Emily Roth

2 weeks ago | money.usnews.com | Jessica Merritt |Emily Roth |Emily Hayes

Key Takeaways You'll typically forfeit unused rewards when closing a credit card account. You can preserve your rewards value by transferring or redeeming points before closing an account. Co-branded card rewards usually stay with the participating loyalty program, but watch for expiration dates. When you close a credit card, it's typically a use-it-or-lose-it situation for rewards – and you may miss out on huge value if you don't take action.

3 weeks ago | money.usnews.com | Jessica Merritt |Emily Roth |Ray Frager

Key Takeaways Recent data shows that Gen Z is using credit cards earlier than millennials did at the same age. Higher balances and delinquency rates suggest some Gen Z credit card users struggle with repayment. As Gen Zers adopt credit cards, issuers are taking notice by offering products tailored to their digital preferences aGeneration Z is adopting credit cards earlier and using them more aggressively than previous generations.

1 month ago | money.usnews.com | Melanie Pincus |Emily Roth |Ray Frager

Getty ImagesBusiness credit cards can help keep your business expenses separate from your personal expenses. Key Takeaways If you want to keep your personal and business finances separate, having a business credit card can help. Business credit cards almost always come with rewards and perks that target business owners. Compared with a business card, personal credit cards may have lower credit limits but longer 0% APR offers.

1 month ago | money.usnews.com | Emily Roth |Dawn Papandrea |Whitney Blair Wyckoff

Getty ImagesCarefully consider the costs when you research plastic surgery financing options. Key Takeaways A personal loan can help you finance a cosmetic surgery. Shop around to find a lender offering a competitive interest rate and terms that suit your needs. Other options include a payment plan from your provider, a medical credit card or a 0% introductory APR credit card. Avoid using your retirement account or home equity to pay for a cosmetic procedure.

1 month ago | money.usnews.com | Jessica Merritt |Emily Roth |Emily Hayes

Key Takeaways Visa and Mastercard offer the most international acceptance. Avoiding foreign transaction fees can help you save up to 3% when purchasing abroad. Bring a backup card, debit card and local currency to cover any payment scenario. If you're packing your U.S. credit card on your next international trip, rest assured you're unlikely to experience problems with acceptance in most destinations – especially if you have a Visa or Mastercard.