Chase Ultimate Rewards points can be redeemed for cash back, gift cards and experiences as well as airline and hotel partners such as Southwest Airline tickets. Fixed redemptions usually provide exceptional value while transfers to hotel partners often deliver more than average return. Additionally, certain Chase Ultimate Rewards cards offer attractive transfer bonuses that can […]
Category Archives: Credit Cards
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May
May
Credit card issuers usually advise their customers to wait at least 90 days and ideally six months between credit card applications in order to protect their credit scores and avoid having them lower, which could negatively impact when applying for mortgage loans or making other large financial commitments. Understanding what’s impacting your credit score and […]
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May
May
Credit card payments have become so prevalent and convenient that it’s rare to find any small business that does not accept them. Accepting them can increase sales while simultaneously managing cash flow by faster transference of customer funds into your business account. There are various methods of accepting card payments, from terminals or readers, POS […]
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May
May
If you currently hold the Chase Freedom card, switching it out for the Freedom Flex can keep all of your rewards, credit limit, purchase APR and card number intact. Simply call to request this product change. The Flex has significant value to offer if you can maximize its quarterly bonus categories and take full advantage […]
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May
May
Citi Simplicity Card is an ideal option for anyone seeking to reduce interest payments and fees without incurring massive interest charges or transfer fees. Their introductory balance transfer fee of only 3% over four months makes this an economical alternative to standard balance transfer cards. Additionally, this card does not charge late fees or penalty […]
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May
May
Credit cards with no interest offer consumers an affordable way to make large purchases without accruing debt, plus many also feature rewards and perks. However, these credit cards offer zero APR rates only for a set period of time before returning to their regular variable interest rates. Read on to understand their potential advantages and […]
29
May
May
If your credit card payment falls into arrears for more than 60 days, an increased APR penalty may apply; to avoid this high interest rate altogether, make payments on time and read all fine print in your cardholder agreement carefully. Limit your usage and pay minimum payments on time – these strategies will help avoid […]
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May
May
Not many credit cards allow you to select your own bonus categories; but Citi Custom Cash card does. They offer up to 3% back on any category you select as well as 2% at grocery stores and wholesale clubs. However, you must consider how much you spend in each elevated rewards category each billing cycle […]
29
May
May
Whoever values gas rewards may find the $0-annual-fee Bank of America Customized Cash Rewards card attractive. This credit card offers 3% back in spending categories such as gas stations and EV charging stations, online shopping or cable, streaming internet, phone services with additional 2% offered back at grocery stores and wholesale clubs. 0% introductory APR […]
29
May
May
Even with recent improvements, many Americans continue to struggle financially. According to a new LendingClub study, 64% of American consumers claim they at least periodically live paycheck-to-paycheck while 46% live that way regularly. The New Reality Check report by digital marketplace bank investigates why consumers struggle financially and what changes have been implemented to improve […]