Your 60-Second Guide to Credit Cards

60 Second Guide to Credit Cards

Are you completely new to the world of credit cards? Interest rates. Cash back bonuses. Credit limits. It can all be quite confusing! This quick credit card guide will get you started in understanding all the credit card basics: Credit Card Pros and Cons As with all other financial products, credit cards have their pros […]

Published or Updated: April 3, 2014

KAIKU Visa Prepaid Card Review

Kaiku ATM Chart

I’m still amazed when I read a news report lambasting prepaid debit cards. The main beef with these banking alternatives is high fees. Five years ago that was a legitimate complaint. But today, there are a number of low fee prepaid cards. I’ve written about a number of these cards in the past. Today I […]

Published or Updated: March 11, 2014

Platinum Card from American Express Review

The Platinum Card from American Express Big

Few credit cards symbolize style like the Platinum® Card from American Express.  Other credit card issuers attempt to generate buzz with the word platinum attached to some of their credit card products, but unless it’s American Express, it doesn’t mean much.  The Platinum Card from American Express is a one of a kind charge card […]

Published or Updated: December 23, 2013

5% Credit Card Cash Back Rotating Categories Update

Discover it Card 5% Categories October to December

The highest cash back percentage you’ll find anywhere is five percent on select categories that change every three months. There are three major credit cards that offer 5% cash back: the Discover it Card, the Chase Freedom® Visa, and the Citi® Dividend Platinum Select® Visa®. These rotating categories are one of the reasons each of […]

Published or Updated: June 20, 2014

9 Ways Credit Cards Can Save You Money

Ask anyone why they use credit cards, and I bet no one would reply “to save money.” Most are likely to think of fees, interest and debt before suggesting credit cards as a money saver. But there are many ways credit cards can help you save. Some of them are little-known, but experts have been taking […]

Published or Updated: March 24, 2014

Citi ThankYou® Preferred Card–Low Intro APRs Review

Citi ThankYou Card

Looking for a rewards credit card with no annual fee and the ability to earn points for every dollar spent? Want a card with an introductory 0% APR that lasts for more than a year? Normally you have to pick a card with either great rewards or a 0% offer. Citi currently offers a rewards […]

Published or Updated: May 14, 2014

How to Pick a Credit Card

How to Pick a Credit Card

How to pick the right credit card for your financial goals Over the past year, I’ve been helping a friend rebuild his finances. I worked with him to file for bankruptcy. Because he owed a bank for past overdrafts, he was denied a checking account. So when he recently got a job, we found him […]

Published or Updated: February 12, 2013

How I Got $9,000 Worth of Airfare for $142

Free Travel

With the right rewards credit cards, you can travel the world on any budget Photo: Hyougushi I was one click away from booking my trip to Thailand with a stop in Paris. The webpage read: “Do you want to pay $9,000 instead of using your miles?” Not a chance, I thought. Rather than forking over […]

Published or Updated: February 7, 2013

Reader Question: Which Balance Transfer Offer is Best

Credit Score Needed to Get Chase Slate

Last week a reader asked which of two balance transfer offers was best: I got a offer from Discover today. 0% for 18 months with a 3% fee, or 4.99% for 24 months with 0% fee. Which is better? Thanks. When comparing two 0% offers, the analysis is easy. Assuming that the balance transfer fee […]

Published or Updated: January 22, 2013