Credit Cards Articles & Guides

Travel Insurance Through Credit Cards: What You Need to Know

Credit card travel insurance offers financial protection against trip cancellations, delays, lost baggage, rental car damage, and travel accidents when you pay for your trip with an eligible card. Read the full article to learn more about the best travel credit cards and how their insurance benefits can protect your next trip.

Mar. 24, 2025

A Guide to Capital One Miles

Capital One Miles are a flexible rewards currency earned through Capital One travel credit cards, redeemable for travel, gift cards, online shopping, and even cash back. Maximizing their value involves using travel transfer partners, earning bonuses through strategic spending, and pairing a Capital One Miles card with a high-earning cash-back card.

Mar. 24, 2025

How to Read Your Credit Card Statement

A credit card statement provides a detailed summary of your spending, payments, fees, interest charges, and rewards during a billing cycle, helping you track your finances and detect potential errors. To learn how to read your statement effectively and avoid costly mistakes, read the full article for expert insights.

Understanding Credit Card Rewards: Points, Miles, and Cash Back Explained

Mar. 21, 2025

6 min read

Understanding Credit Card Rewards: Points, Miles, and Cash Back Explained

Credit card rewards typically fall into four main categories: airline miles, hotel points, flexible travel rewards, and cash back, each with different redemption options and value. To maximize rewards, consider your spending habits, compare transfer options, and look for discounted award programs. Read the full article to explore expert tips on getting the best value from your credit card rewards.

Maximizing Cash Back: Strategies for Using Multiple Cards

Mar. 19, 2025

Maximizing Cash Back: Strategies for Using Multiple Cards

Using multiple cash back credit cards strategically can help maximize rewards by leveraging different earning rates across various spending categories. However, managing multiple cards requires organization to avoid missed payments, overlapping benefits, and potential debt accumulation.

Credit Card Rewards: A Guide

Rare are the days that you whip out cash to pay for everything. Most of us use debit or credit cards to pay for everything from weekly grocery shopping to funding our dream vacation. What if you got a small kickback for every purchase you made though? That’s where reward credit cards come into play and can give you more perks for everyday spending.

How to Get Approved for a Credit Card

Applying for a credit card is a bit like applying for a job. You don’t want to just go for the first card you find without making sure that it’s a good fit. Add on top of that the possibility of not getting approved, and it’s no wonder that some people find applying for credit cards stressful. While it’s not the end of the world if your application is denied, it isn’t the most pleasant feeling.

3 min read

What is a Credit Builder Credit Card?

Which came first, the chicken or the egg? The logic behind this age-old causality dilemma also applies to the following question: how do you build credit if you have no credit? After all, if you have no credit or bad credit then it’s almost impossible to qualify for a conventional credit card or loan.

Credit Cards vs. Debit Cards: Which is Right for You?

3 min read

Credit Cards vs. Debit Cards: Which is Right for You?

Your wallet may contain credit cards and debit cards. Both card types look and behave in similar ways. They have 16-digit account numbers, expiration dates, security codes, security chips, magnetic stripes, and you can use them to make payments.

What Is a Balance Transfer Credit Card?

Credit card debt can feel overwhelming when most of your monthly payment goes toward interest charges.

Credit Card Tips: 10 Ways to Stay on Track for This Year's Money Goals

Credit Card Tips: 10 Ways to Stay on Track for This Year's Money Goals

Credit cards can do more than just facilitate payments—they can be powerful tools for achieving your financial goals, from building credit to saving for a house.

Balance Transfer Fees Explained: Are They Worth It?

Balance Transfer Fees Explained: Are They Worth It?

A balance transfer card can save you interest by moving debt to a 0% intro APR card, but fees (3%–5%) add costs. To decide if it’s worth it, compare savings to fees and have a repayment plan. Choosing a low-fee card, negotiating, or transferring less can help. Avoid new debt to make it effective. Read the full article for tips on maximizing savings and avoiding pitfalls.

Understanding Cash Back Categories: How to Optimize Your Spending

6 min read

Understanding Cash Back Categories: How to Optimize Your Spending

Cash back credit cards allow you to earn rewards on purchases, typically through flat-rate or bonus categories like dining, groceries, and gas. Maximizing rewards depends on understanding your spending habits and choosing the right card. Consider sign-up bonuses, caps, and redemption options to boost earnings. For more insights, read the full article below.

6 min read

How to Do a Balance Transfer

A balance transfer moves debt from a high-interest card to one with a 0% intro APR, helping you save on interest. To do it, choose a card, check fees, apply, and transfer the balance while creating a repayment plan to avoid interest after the promo period. Avoid new debt on old cards and ensure savings outweigh fees. Read the full article for a step-by-step guide and best practices.

How to Get the Most Out of Your Credit Card Rewards in 2025

Mar. 10, 2025

3 min read

How to Get the Most Out of Your Credit Card Rewards in 2025

Credit card rewards can unlock excellent benefits, from free flights to cash back, all with minimal effort on your part.

Why Was My Credit Card Application Declined?

Mar. 10, 2025

Why Was My Credit Card Application Declined?

Credit cards are powerful tools for building credit, managing expenses, and earning rewards.

A Guide to American Express Membership Rewards

Feb. 25, 2025

A Guide to American Express Membership Rewards

American Express Membership Rewards lets cardholders earn points for travel, statement credits, gift cards, and more. Maximize rewards with spending multipliers, welcome bonuses, and Amex Offers, or transfer points to travel partners for added value. Choose a card that fits your spending and take advantage of promotions. Want to optimize your rewards? Read the full article for expert tips.

Building Credit Responsibly: Best Practices for Credit Card Use

Feb. 12, 2025

Building Credit Responsibly: Best Practices for Credit Card Use

Using a credit card responsibly can help build credit, especially for those with limited history. Start with a secured card if needed, keep credit utilization under 30%, and never miss payments. Setting up autopay, avoiding debt, and becoming an authorized user can also boost your score. Credit improvement typically takes 6+ months. Read the full article for expert strategies on building credit.

Mar. 19, 2023