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1 month ago | 
creditcards.com | Nouri Zarrugh
RewardsRatings PolicyRewards Rate4x miles on United® purchases2x miles on dining and all other travel1x mile on all other purchasesSign-up BonusDebut Offer: Earn 95,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
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2 months ago | 
bankrate.com | Ryan Flanigan |Nouri Zarrugh
The American Express Green Card’s $100 annual LoungeBuddy credit is no longer be available, making the card less valuable for occasional travelers. The card’s only remaining unique bonus category is transit, but other Amex cards offer higher rewards rates for this and other categories. The Amex Green’s benefits are less impressive than they once were, with its CLEAR Plus membership credit the only noteworthy perk remaining.
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2 months ago | 
bankrate.com | Garrett Yarbrough |Aja McClanahan |India Davis |Nouri Zarrugh
Credit cards aren’t generally seen as the best option for borrowing money due to their high interest rates if you don’t pay your balance in full and on time. But a credit card can give you a lucrative edge over a personal loan if you need to finance a large purchase around the corner and don’t need long to pay it off. The key is to use the right card for both the upcoming purchase and for your long-term needs.
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Jan 17, 2025 | 
bankrate.com | Andy Shuman |Nouri Zarrugh |John Puterbaugh
The Capital One Savor Cash Rewards Credit Card is a great rewards card to have in your wallet if you’re all about food, travel and entertainment. But is it the best fit for you overall, or could one of the other top cash back credit cards suit your needs better? Here’s a look at when this card could be worth it — and when another card might be a better fit.
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Dec 6, 2024 | 
bankrate.com | Ryan Flanigan |Nouri Zarrugh
Credit card churning is the process of frequently opening and closing credit cards in order to earn sign-up bonuses and maximize rewards. While this strategy may seem enticing, it can negatively impact your credit score and finances in the long run due to high spending requirements and the potential for debt. Many credit card issuers have restrictions in place to prevent excessive churning, such as limits on how many card accounts you can open and rules around earning bonuses.
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Dec 3, 2024 | 
bankrate.com | Reena P Thomas |Nouri Zarrugh |Ryan Flanigan
I was 24 when I got my first credit card, and for a long time it was my one and only. Even though I’ve been writing about credit cards and rewards for a while now, I don’t keep many cards in my wallet and I refuse to pay an annual fee. I know I’m leaving cash back on the table, but I just can’t shake the feeling that more cards means more risk. I blame my parents. When they came to the U.S. from India in the 1970s, credit cards were just beginning to litter the retail landscape.
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Oct 23, 2024 | 
bankrate.com | Reena P Thomas |Nouri Zarrugh
If you haven’t established a credit history or have poor credit, you might consider a secured credit card for your business, which involves putting down a cash deposit as collateral for the credit line. Before applying for a secured business credit card, review the terms, requirements and benefits to make sure all are reasonable for you. Be sure to pay off your purchases in full and on time and keep your credit utilization ratio below 30 percent to demonstrate responsible card use.
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Oct 23, 2024 | 
bankrate.com | Steve Dashiell |Steven Dashiell |Nouri Zarrugh
Published on October 23, 2024 | 4 min read Bankrate is always editorially independent. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page.
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Oct 17, 2024 | 
bankrate.com | John Puterbaugh |Nouri Zarrugh
I have 12 credit cards, but my favorite is one of my most boring cards. As a personal finance journalist who has a healthy-ish obsession with credit cards, most of my cards have a specific role to play in my spending strategy. I’ve got cards for dining out, a card for rotating cash back categories, and cards for regular retail purchases. But not all of my purchases perfectly track to a given credit card in my wallet. And that is where my current favorite credit card comes into play.
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Oct 4, 2024 | 
bankrate.com | Nouri Zarrugh |Brooklyn Lowery |Seychelle Thomas
Prequalified card offers can help you scope out how likely you are to qualify for a credit card, and the issuer typically only does a soft credit inquiry that will not impact your credit score. If you improve your credit score by practicing habits such as paying on time and keeping your card balances low in relation to your total available credit, it’s more likely that you’ll prequalify.
