I love credit cards and how aggressively they compete with one another for our business. If you aren’t carrying any…
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.
We’ve curated a list of the best welcome bonus rewards for credit cards. I remember a time when the best…
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.
Cash back credit cards offer flexibility by giving you several ways to redeem your rewards. Most cards allow you to apply your earnings as a statement credit, purchase gift cards and other merchandise, and receive cash payments via a check or bank account deposit. The Wells Fargo Active CashSM Card is no different.
Two of the most popular credit card families are AMEX and Chase, and both are known for their reward points. But which is the better of the two? To find out, I've compared the two credit card giants using five criteria. It was a close race, but I did manage to come up with a winner.
The Reflex Mastercard is a secured credit card designed for those trying to build or rebuild their credit. It's easy to qualify for, and you gain access to several Mastercard benefits. But can Reflex compete with other top cards from Capital One, Indigo, or Chime? I cover all of this and more in this Reflex Mastercard review.
Designed to help you build credit, the Indigo Platinum Mastercard discloses your annual fee and APR before you apply. And unlike a secured credit card, you won't have to contribute a security deposit. In this Indigo Platinum Mastercard review, I cover the card's features, including the positives and negatives, and share some Indigo Mastercard alternatives.
Unlike many credit builder products, the Destiny Mastercard is an unsecured credit card that lets you build credit with the three major credit bureaus. In this Destiny card review, I’ll tell you why I think it’s worth considering, especially if you don’t want to set aside cash for a credit card security deposit.
If you are a regular T.J. Maxx customer or shop at one of their popular subsidiaries - including Marshalls, HomeGoods, HomeSense, and Sierra - you may be interested in the T.J. Maxx Credit Card. It works at the many thousands of stores within the T.J. Maxx family, a who's who of popular American retailers.
In this day and age where credit card fraud is so prevalent, it’s crucial that you know how to dispute a credit card charge. There are laws in place to protect consumers, but there are also stipulations within those laws. Knowing how to dispute a credit card charge will help you avoid getting ripped off.
It can be challenging to qualify for a rewards credit card when you have bad credit. Now, you have another option with Tomo. The Tomo card doesn’t charge an annual fee or require a security deposit, and it also earns 1% back on purchases. Find out more in this full Tomo credit card review.
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.
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.
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 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.