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2 weeks ago | 
money.usnews.com | Antonio Ruiz-Camacho |Ray Frager |Emily Roth
Credit cards with 5% cash back let you earn elevated rewards in certain categories, but there's no card that earns 5% on all purchases. Many 5% cash back cards come with rotating categories that require activation or have spending and earning caps. Maximizing a 5% cash back card usually requires a certain amount of legwork. If that's not what you're looking for, consider choosing a flat-rate card.
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2 weeks ago | 
money.usnews.com | Antonio Ruiz-Camacho |Emily Roth |Ray Frager
Key Takeaways As of February, AmEx Platinum and Delta SkyMiles Reserve cardholders no longer have unlimited access to Delta Sky Club lounges. Instead, SkyMiles Reserve cardholders are allowed 15 Delta Sky Club visits per year while AmEx Platinum cardholders are allowed 10. If you want unlimited access to Delta's lounge network, the easiest way is to buy a Delta Sky Club membership, which starts at $695 per year.
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1 month ago | 
money.usnews.com | Antonio Ruiz-Camacho |Ray Frager |Emily Roth
Key Takeaways Baggage delay insurance usually covers the purchase of essentials, like toiletries or clothing, if your bags get delayed for over six hours. Baggage loss insurance will cover the replacement cost of your bags if they get lost, up to a certain amount. Many credit cards offer both types of baggage insurance, but others may offer just one. A dream vacation can quickly turn into a nightmare scenario if your bags get lost, or at least delayed, when you arrive at your destination.
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1 month ago | 
money.usnews.com | Antonio Ruiz-Camacho |Ray Frager |Emily Roth
Key Takeaways There are several Citi cards that earn ThankYou® points. If you have more than one of those cards, all your points are pooled in a single ThankYou® account. But not all the Citi cards that earn ThankYou® points allow transfers – and certain cards offer higher transfer ratios than others. While Citi ThankYou® Rewards only feature one domestic airline partner, you can book affordable domestic award flights through some of international airline partners.
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1 month ago | 
money.usnews.com | Antonio Ruiz-Camacho |Ray Frager |Emily Roth
Key Takeaways The new U.S. Bank Shield™ Visa® Card has one of the longest no-interest promotional periods available. The card offers cash back on travel purchases and charges no annual fee. But the new card lacks rewards in everyday categories or a sign-up bonus. If you're shopping for a credit card with a long zero-interest promotional period to cover a large purchase or pay down or consolidate credit card debt, you're in luck.
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1 month ago | 
money.usnews.com | Antonio Ruiz-Camacho |Ray Frager |Emily Roth
Key Takeaways The Indigo credit card is geared toward consumers who want to improve or build their credit, but it comes with high interest and fees. It also doesn't offer any rewards. If you're looking for a credit-building card, there may be better options that charge no fees and a have a lower APR – and come with rewards. You can build credit using any credit card – the key is to always make on-time payments and keep your credit utilization as low as possible.
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2 months ago | 
money.usnews.com | Antonio Ruiz-Camacho |Ray Frager |Emily Roth
Key Takeaways Capital One offers six credit cards that earn miles. You can transfer Capital One miles to 18 travel partners – 15 airlines and three hotel chains. Capital One doesn't have partnerships with domestic airlines, but its roster of international airlines offers domestic-flight options.
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Jan 3, 2025 | 
money.usnews.com | Antonio Ruiz-Camacho |Whitney Blair Wyckoff |Emily Roth
Key Takeaways Transferring Membership Rewards points to one of AmEx's 21 travel partners may be one of the best ways to maximize your rewards. American Express offers seven cards that earn Membership Rewards points. You can transfer points to most partners for free, but domestic airlines charge a fee. Several American Express cards offer Membership Rewards points that you can redeem for statement credits, select online purchases or gift cards.
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Dec 30, 2024 | 
money.usnews.com | Antonio Ruiz-Camacho |Emily Hayes |Emily Roth
If one of your New Year's resolutions is to improve your credit card game, take note of your current debt or find a card with solid rewards and a generous sign-up bonus. If you want to tackle your credit card debt without incurring interest, consider a balance transfer card with an introductory 0% APR. If paying less on everyday expenses is one of your financial goals for the new year, a cash back card that matches your lifestyle can help you score significant savings.
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Dec 4, 2024 | 
money.usnews.com | Antonio Ruiz-Camacho |Ray Frager |Emily Roth
Armed Forces Bank People who are looking for mortgages with down payments as low as 3% People who want to receive support from a loan advisor during the application process People who are looking for VA and hero loans Armed Forces Bank USAA US.News Overall Rating 4 U.S. News Rating Read Review Check Rates To qualify for a conventional mortgage from Armed Forces Bank, you need the following: Minimum down payment: 3% Minimum credit score: 620 Debt-to-income ratio: typically 50% You don't need...
