Secured credit cards require you to make a refundable security deposit that usually equals their maximum credit limit. Relying on secured cards responsibly can help build or rebuild your credit history, with some cards offering the option to move up to an unsecured card after making on-time payments for an established period of time. It’s […]

Business credit cards with no preset spending limits often offer generous rewards rates and benefits tailored to the needs of small business owners. With these cards, typically all balances must be paid at the end of each billing cycle as well as annual fees being collected by them. Business credit cards often report to commercial […]

Amex Gold is an excellent option for travelers looking to earn rewards while dining and grocery shopping abroad, offering one of the highest earning rates, including 4x points at restaurants globally and US supermarkets (up to an annual cap of $25,000). Cardholders of Amex Gold also can take advantage of global assistance benefits, including access […]

If you use credit cards for large purchases, make sure you can afford to repay the balance when due. Otherwise, this could raise your credit utilization rate and ultimately hurt your score. Credit cards are loans that provide access to a line of credit and charge interest, offering the potential of rewards on everyday expenses. […]

Are You Just Beginning Travel Rewards? Capital One Venture Rewards Card Can Provide Competitive Earning Rates And An Enticing Welcome Offer If you’re new to credit card rewards and looking for something affordable that could get them started quickly, Capital One Venture Rewards Card could offer the right mix. Featuring competitive earning rates and up […]

Credit cards provide incentives for big purchases, but can they also help pay student loan balances? While it is possible, but risky and can often prove expensive. Federal student loan servicers don’t usually accept credit card payments and third-party payment facilitators like Plastiq charge fees to process these transactions. Furthermore, you will lose borrower protections […]

Wells Fargo Active Cash credit card rewards offer an outstanding 2% cash back on all purchases; however, be mindful that it comes with a 3% foreign transaction fee. Its straightforward rewards structure, no annual fee and compelling 0% APR offer make this card an appealing option for both newcomers and experienced credit card users alike. […]

Debt can be difficult to shed, but it’s possible through careful spending, prioritizing needs over wants, and forgoing cash advances. Pay off balances each month in full, limit the number of cards you have and negotiate lower interest rates with creditors. There are various strategies that can help reduce credit card debt, including making more […]

An application for a new credit card can improve your financial health, but when to submit it depends on a variety of factors – for instance, some banks impose application restrictions. Chase may deny your application for a credit card if you’ve opened five cards with them within 24 months. The Time of Year The […]

Credit cards provide college students with a convenient means of transitioning between student loan debt and adult life, and helping to build healthy credit by practicing responsible spending and debt repayment habits. To qualify for a student card, applicants may be required to provide evidence of income or find someone willing to co-sign the application. […]