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Credit cards are one of the most powerful financial tools you can have.

It is also one of the most dangerous. Credit cards give you purchasing power far beyond what you'd feel comfortable carrying in cash. But they also charge exorbitantly high interest rates, even if you have the best of credit.

But they can also offer cash back or rewards points on your spending to entice you to use them. It's a delicate balance and like any powerful tool, it's important to take advantage of them but also respect them.

Philosophically, I believe that you should put all spending on a credit card and pay off that balance each month. This will ensure that you maximize cash back or rewards and minimize interest payments. The posts below may help you become better users of credit.

Best Credit Card Welcome Bonuses

Best No Annual Fee Credit Cards with a Welcome Bonus

If you have good credit, you can often earn hundreds of dollars for getting a new credit card. Many of those offers are on cards with an annual fee – which you may not want to pay! We share with you the best credit card bonuses on cards that will not charge you an annual fee – some of which are in the hundreds of dollars.

Credit Cards:

Do you need the 15/3 Credit Card Payment Hack?

Have you heard of the "15/4 credit card payment hack" and wondering if it can be used to help improve your credit score? We explain what it is, how it can help, and how it's benefits may be overblown.

Best Credit Cards to Use at Costco in 2022

If you live near a Costco, you probably already know how valuable your membership to this warehouse club can be. However, Costco doesn't accept all credit cards for in-store purchases. Find out which ones they accept, and whether your current card is one of the best credit cards to use at Costco.

Best No Annual Fee Credit Cards with a Welcome Bonus

If you have good credit, you can often earn hundreds of dollars for getting a new credit card. Many of those offers are on cards with an annual fee - which you may not want to pay! We share with you the best credit card bonuses on cards that will not charge you an annual fee - some of which are in the hundreds of dollars.

Petal 2 Visa Credit Card Review

Petal Visa credit cards offer features and benefits that can help you build credit without using a secured credit card. Other features include lower interest rates, higher credit limits, and cash back rewards. In this Petal 2 Visa Card review I cover the features, to help you determine if the Petal 2 Visa card is right for you.

Best Metal Credit Cards: Is There a Place for Metal In Your Wallet?

The whole idea of metal credit cards may seem unnecessary. However, if you're a fan of earning credit card rewards, you shouldn't overlook the potential benefits. After all, some of the best rewards cards have a metal exterior instead of plastic. Many of these cards earn more points on purchases and may include enhanced award travel perks.

8 Best American Express Platinum Card Alternatives

Are you searching for the Platinum Card by American Express alternatives in order to avoid the hefty $695 annual fee the card requires? The American Express Platinum card has several attractive alternatives. However, despite the $695 annual fee, it is one of the best cards out there for heavy travelers.

Which Is the Best First Credit Card For You?

Your first credit card the card that will begin building your credit reputation. However, not all starter credit cards have great terms. When shopping for the best first credit cards, consider the interest rate, annual fee, and any rewards programs each card carries.

How to Cancel a Credit Card Safely

One would think that canceling a credit card would look good on your credit report. You’ve got less available credit, and therefore less of a chance to get into overwhelming debt. 

However, cancelling a credit card the wrong way can, in fact, damage your credit score and even cost you money.

How Many Credit Cards Should I Have?

Depending on who you ask, the number of credit cards you should have will range from none to as many as possible. For me, I have a two card strategy... here's why.

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