Category Archives: Credit Cards

A 0% interest credit card can be an effective tool for paying down debt or financing major purchases, but in order to qualify you typically require good-to-excellent credit. When applying, a hard inquiry will appear on your report that will temporarily reduce your score. For optimal credit health, make regular and full payments each month […]

Co-branded credit cards offer an easy and rewarding way to reap rewards and perks from your favorite brand, but be wary of annual fees and interest rates when selecting one. Before selecting your card, take care to consider its fit with your spending habits and financial goals. Interest payments could quickly negate any benefits of […]

American Express’ Platinum Card provides access to airport lounges, premium status at hotels and more – however its high annual fee may make it hard for some consumers to justify. Frequent travelers can often offset their card’s annual costs through its various annual credits and perks, like Uber cash or Equinox credits. Here’s how: Earn […]

From an employee’s point of view, corporate credit cards eliminate the need for them to pay in the short term and wait for reimbursement later. Furthermore, it helps eliminate receipt manipulation while giving finance teams full visibility over company expenditures. Business cardholders should take full responsibility and understand their employer’s policies, which may involve attending […]

As its name implies, this card is intended for small business owners. Solo entrepreneurs and freelancers may also qualify; however, keep in mind that it doesn’t include business-specific perks. With its generous sign-up bonus, strong rewards rates, flexible redemption options and unique perks, this business credit card stands out as a top pick among others […]

The ideal credit cards for wholesale club shopping are those which provide ample rewards, including generous cash back rates. A branded card from your warehouse club may provide the most value; however, general cash back cards should also be considered. Discover It offers 5% cash back on quarterly rotating categories – such as wholesale clubs. […]

Equifax(r), Experian(r), and TransUnion (r). They’re three major credit bureaus which gather data to create your credit reports and determine your scores. Consumer reporting agencies sell your information to lenders, employers and landlords – but how exactly do they collect it all? What they do Equifax, Experian and TransUnion are three credit bureaus that collect […]

Maintaining an excellent credit score offers many advantages. It can help you qualify for loans, mortgages and credit cards at lower interest rates; lower the cost of car insurance; and make renting an apartment or purchasing real estate easier. Raising your credit score takes time, but consistency is key. Making payments on time and lowering […]

Most secured credit cards require an initial security deposit when opening. This amount serves as your credit limit and will typically be returned when closing or upgrading to an unsecured card after showing responsible use over time. Your deposit payment options generally include bank account transfer, check or money order. How much you owe will […]

Citi Diamond Preferred Card provides one of the longest 0% APR periods available for balance transfers, making it an excellent way to reduce debt. Plus, it comes equipped with great perks such as FICO score monitoring and cell phone protection when used to pay bills! 1. Long introductory APR on balance transfers Balance transfers offered […]