Credit Cards Articles & Guides

What Happens to Interest Rates During a Recession?

When a recession hits, credit card rates can swing dramatically—costing you thousands. Here's what to do.

What Charges Can You Put on a Business Credit Card

Jun. 04, 2025

What Charges Can You Put on a Business Credit Card

Maximize your business credit card's potential with these smart charging guidelines.

How to Get Approved for a Credit Card: A Step-by-Step Guide

May. 26, 2025

How to Get Approved for a Credit Card: A Step-by-Step Guide

Applying for a credit card can be a straightforward process, but getting approved isn’t always guaranteed.

Credit Cards vs. Debit Cards: Understanding the Differences in {year}

May. 26, 2025

Credit Cards vs. Debit Cards: Understanding the Differences in 2025

When it comes to managing your money, choosing between a credit card and a debit card can be confusing.

May. 26, 2025

The Ultimate Travel Credit Card Guide

Travel expenses add up quickly. Between flights, accommodations, and transportation, a single trip can cost thousands—but the right credit card can significantly reduce these costs.

How to Get the Most Out of Your Business Credit Cards

How to Get the Most Out of Your Business Credit Cards

Your business credit cards could be working much harder for your company—here's what most entrepreneurs miss.

Is Credit Card Interest Tax Deductible for a Business?

Is Credit Card Interest Tax Deductible for a Business?

Are you missing out on tax savings by not deducting your business credit card interest?

What Does the CFPB Closing Mean for Credit Card Owners?

What Does the CFPB Closing Mean for Credit Card Owners?

The Consumer Financial Protection Bureau faces a leadership transition that may affect its credit card regulations.

What Happens If You Don't Pay Your Credit Card on Time

What Happens If You Don't Pay Your Credit Card on Time

Behind every credit card's convenience lies a payment timeline that shouldn't be ignored.

How Can You Build a Credit History?

Your financial future hinges on a credit history that impacts everything from loans to housing—but how do you start from scratch?

Credit Card Spending Trends: How Defaults Are Reshaping Consumer Behavior in 2025

Credit Card Spending Trends: How Defaults Are Reshaping Consumer Behavior in 2025

As credit card defaults soar to alarming heights, consumers are scrambling to reinvent their financial playbooks.

5 Types of Credit Cards Small Business Owners Should Get

5 Types of Credit Cards Small Business Owners Should Get

Every financial decision you make as a small business owner shapes your company's future, starting with the credit card you select.

Can Credit Cards Help During a Recession? Everything You Need to Know

Can Credit Cards Help During a Recession? Everything You Need to Know

While millions of Americans struggle with shrinking budgets during recessions, strategic credit card use can help protect your finances when you need it most.

A Guide to Getting Airport Lounge Access With a Credit Card

Apr. 08, 2025

A Guide to Getting Airport Lounge Access With a Credit Card

Airport lounge access credit cards provide travelers with exclusive perks like complimentary food, drinks, and a quieter space to relax before flights. To choose the best card, consider lounge availability, fees, and travel habits. Read the full article for expert recommendations on maximizing your airport lounge access benefits.

Travel Insurance Through Credit Cards: What You Need to Know

Apr. 08, 2025

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

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.

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.

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

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.

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

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