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The role of credit bureaus in credit card applicationsCredit bureaus play a pivotal role in the credit card application process. How credit bureau information influences approval decisionsCredit bureau information plays a pivotal role when financial institutions make credit decisions. Credit bureau reporting frequently asked questionsDo all banks use the same credit bureau for credit card applications? Even though the three credit bureaus score credit slightly differently, improving your credit habits will typically raise your score across the board. Our guide to the best credit cards for pre-approval can help you identify which credit cards you're most likely to be approved for.

Persons: you'll, Here's, TransUnion, Experian, Banks, Chase, —, cardholders, Discover's, Wells, Wells Fargo, Wells Fargo's, that's Organizations: Vantage, Bank, American Express, American Express American, Credit, Bank of America Bank of America, Bank of America, Chase Chase Bank, Chase, Capital, Citi Citi, Citi, Discover Discover Locations: Equifax, Transunion, Wells Fargo Wells, Experian, Wells, Chevron

I have many financial goals, so instead of one big savings account, I have one for each goal. Years ago, I heard some advice from a financial influencer that stuck with me: If you have numerous savings goals, set up different savings accounts and give each a name to correspond with their purpose. I opened up six new Capital One 360 Performance Savings accounts in the new year to help me achieve my financial goals. TaxesI'm embarrassed to say that I have never set aside money for taxes in all my years as a freelancer. While I usually had the funds available, peace of mind comes with having a separate savings account to cover taxes.

Persons: —, I've, It's, it's, I'd, haven't, Sam Organizations: Service Locations: homeownership

Read previewAbout a year ago, I signed up for an American Express checking account. I canceled my American Express Rewards checking account just a year after opening. It came as a shock to me that it wasn't available with an Amex checking account and defeated a large purpose of opening this account. It was hard to deposit and transfer moneyAmerican Express makes it incredibly difficult to fund the Amex Rewards checking account. The APY wasn't competitiveBecause of its limited functionality, I ended up using my Amex Rewards checking account as a sort of savings account.

Persons: —, Bill Organizations: Service, Business, American, Express, American Express, Capital

Applying for a business credit card using an EIN keeps your personal and business finances separate. Advantages of using an EIN for business cardsUsing an EIN for business credit cards offers several advantages for business owners. SVB Innovators Card: The SVB Innovators Card earns 2x points on all business spending, making it a rewarding choice for business owners who want a business credit card using only an EIN. The SVB Innovators Card earns 2x points on all business spending, making it a rewarding choice for business owners who want a business credit card using only an EIN. How to obtain an EIN for business card applicationsIf you want to get a business credit card using your EIN, you might need to start by obtaining the EIN itself.

Persons: —, EIN, Holly Johnson, it's, Julia Menez, BILL, Keogh Organizations: Service, Internal Revenue Service, IRS, Card, EIN Locations: United States, Chevron

☆ Capital One Venture vs. Chase Sapphire Preferred: Which is right for you?
▼ + stars: | 2023-07-13 | by ( Ariana Arghandewal | ) edition.cnn.com time to read: +13 min

Here’s a look at the Capital One Venture vs. Chase Sapphire Preferred. Capital One Venture vs. Chase Sapphire PreferredFirst, let’s take a look at all the key details of these two cards side-by-side:Capital One Venture Rewards Credit Card Chase Sapphire Preferred Card Welcome bonus 75,000 bonus miles after spending $4,000 on the card in the first three months. The Capital One Venture and the Chase Sapphire Preferred are two popular rewards credit cards that offer a variety of benefits to cardholders. Getty ImagesThe Chase Sapphire Preferred has better travel and purchase protections than the Capital One Venture. Capital One Venture Rewards Credit Chase Sapphire Preferred Card Extended warranty Yes.

Persons: Chase, We’ll, you’re, Chase doesn’t, United MileagePlus, Wyndham Organizations: CNN, American Express, Chase, Capital, One Venture, Venture, Chase Sapphire Preferred, Chase Sapphire, Rewards, Hertz, Sapphire, TSA Precheck, Preferred, Rapid, Hyatt, Sapphire Preferred, Air France, KLM, Blue, Air Canada Aeroplan, British Airways Executive Club, Emirates Skywards, Singapore Airlines, Turkish Airlines Miles, Aeromexico Club Premier Air Canada Aeroplan Air France, British Airways Executive Club Cathay, Asia Miles Emirates, Etihad, Finnair, Qantas Frequent Flyer Singapore Airlines KrisFlyer TAP Air Portugal Turkish Airlines Miles, Smiles, Airlines Aer Lingus AerClub Air Canada Aeroplan Air France, KLM Flying Blue British Airways Executive Club Emirates, JetBlue, United, Virgin Atlantic Flying, Travel, Auto, Chase Capital Locations: Air, Hawaii, United, Iberia

☆ 12 things to do when you get the Venture X Card
▼ + stars: | 2023-07-05 | by ( Ariana Arghandewal | Add An Authorized User | ) edition.cnn.com time to read: +11 min

The Capital One Venture X Rewards Credit Card made quite a splash when it launched in 2021. Getty ImagesWhile you’re moving monthly bills to your Capital One Venture X card, don’t forget your cell phone bill. Getty ImagesThe Capital One Venture X card offers a $100 application fee credit towards Global Entry or TSA Precheck. As a Capital One Venture X card holder, you can claim a free PRIOR subscription by navigating to your accounts benefit tab. Join Gravity HausAs a Capital One Venture X card holder, you’ll receive a $300 discount on an annual Gravity Haus membership every 12 months.

Persons: you’ll, it’s, Hertz, you’re, Hilton Organizations: CNN, American Express, Venture, Capital, Hertz, Global, TSA, Getty, Reebok, Bloomingdale’s, GameStop, IHG, Booking.com, Entertainment, The, Francisco’s Legion, Royal Academy of Arts, Gravity, Gravity Haus Locations: New York, London

☆ 9 things to do once you get the Marriott Bonvoy Brilliant American Express card to enjoy benefits like free hotel status and over $400 in statement credits
▼ + stars: | 2023-06-20 | by ( Ariana Arghandewal | Jasmin Baron | Sarah Silbert | ) www.businessinsider.com time to read: +24 min

Marriott BonvoyIf you stay with Marriott frequently, the Marriott Bonvoy Brilliant® American Express® Card is worth considering. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Read up on your Marriott Bonvoy Brilliant travel benefitsThe Marriott Bonvoy Brilliant® American Express® Card comes with several travel protections that can come in handy. What to know about the Marriott Bonvoy BrilliantThe Marriott Bonvoy Brilliant® American Express® Card can be incredibly valuable to Marriott fans — though its annual fee is high.

Persons: You'll, —, Cardholders, Wells, We're, Marriott, Regis, shouldn't, you've, Read, you'll, Amex, they're Organizations: Marriott, Service, Card Citi, Card, Target, Walmart, Citi, Ritz, Carlton, TSA, Global, TSA PreCheck, American Express, New Hampshire Insurance Company, AIG Company, Reading Chevron, Sheraton, Premium, Amex, Regis, Marriott Bonvoy Brands, Marriott Delta, Sheraton Gaylord Hotels Homes, Villas, Marriott International, Marriott Hotels, Resorts Marriott, Carlton Reserve Locations: Regis Bahia Beach , Puerto Rico, Marriott Bonvoy, Fairfield, St

☆ Laurel Road High Yield Savings Account review
▼ + stars: | 2023-06-15 | by ( Ariana Arghandewal | ) edition.cnn.com time to read: +6 min

Our quick take: The Laurel Road High Yield Savings Account combines a high APY with the convenience of online banking. Getty ImagesThe Laurel Road High Yield Savings Account is an FDIC-insured savings account that offers a competitive interest rate and no monthly fees. Further, the Laurel Road High Yield Savings Account has no minimum deposit requirement, making the high APY accessible to most US consumers. Advantages of the Laurel Road High Yield Savings AccountGetty ImagesThe primary advantage of the Laurel Road High Yield Savings Account is the high APY, with no minimum deposit required. Disadvantages of the Laurel Road High Yield Savings AccountLaurel Road makes it difficult to deposit cash into your savings account.

Persons: Laurel Road’s Organizations: CNN, Laurel, Bask, CIT Bank Savings, Bank of America, Capital, Citi, Chase Locations: Laurel, KeyBank

But the 20% rebate on travel purchases (up to $200 back) easily makes this superior to the Chase Sapphire Reserve® offer. Meanwhile, those with a Chase Sapphire Reserve can book travel through the Chase Travel Portal at a rate of 1.5 cents each. Winner: Chase Sapphire Reserve®Consider statement credits and complimentary membershipsThe Chase Sapphire Reserve and Amex Green Card offer various credits that can effectively reduce the annual fee you pay to be a cardholder. The Chase Sapphire Reserve's $300 travel credit is much more versatile than the Amex Green card's annual statement credits, since it applies to virtually any travel purchase. The Chase Sapphire Reserve carries a $550 annual fee, while the Amex Green Card charges $150 per year.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In the last two years, my credit cards have saved me over $4,500 on travel — and a lot of hassle. Travel insurance offers peace of mind, but what most people don't realize is that it doesn't have to come at a cost. Here's a detailed look at how my American Express credit cards' travel insurance came to the rescue on two different occasions. Whenever you file a claim, your credit card insurance company will ask for documentation to prove your travel was nonrefundable to approve your claim.

The Citi Premier® Card and Capital One Venture Rewards Credit Card are two of the best travel rewards credit cards that offer flexible rewards and generous earning opportunities. Compare the Citi Premier and Capital One Venture Citi Premier® CardCapital One Venture Rewards Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Here's how the Citi Premier® stacks up against the Capital One Venture Rewards Credit Card to help you make the choice. Their spending requirements are identical, but the Citi Premier® offers more points than the Capital One Venture Rewards Credit Card. The Capital One Venture Rewards Credit Card offers this coverage while Citi Premier® does not.

The Citi Premier® Card and Chase Sapphire Preferred® Card are both mid-tier credit cards that offer generous rewards, impressive (and overlapping) transfer partners, and travel perks. Here's a look at how the Citi Premier® and Sapphire Preferred stack up against each other. Compare the Chase Sapphire Preferred and Citi Premier Chase Sapphire Preferred® CardCiti Premier® Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Winner: TieShopping and travel benefitsAs mid-tier cards, the Citi Premier® and Sapphire Preferred offer standard benefits like no foreign transaction fees. Winner: TieTravel and purchase protectionsTravel and purchase protections are essential benefits you should consider when deciding between the Citi Premier® and Sapphire Preferred.

☆ 5 cheaper alternatives to popular high-annual fee cards
▼ + stars: | 2023-03-23 | by ( Ariana Arghandewal | ) edition.cnn.com time to read: +11 min

It has a $150 annual fee, which can be offset by a $200 annual cash bonus when you spend $200,000 or more per year. With a steep annual fee and high spending requirements, the Spark 2% Cash Plus Card can be a tough sell for some business owners. Hilton Honors American Express Card instead of the Hilton Honors SurpassHilton's no annual fee card still provides generous perks. It has offers a $300 annual travel credit to partially offset the $550 annual fee, along with a Priority Pass membership. The card’s $395 annual fee is mostly offset by a $300 annual travel credit (valid on Capital One Travel bookings) and 10,000 anniversary miles (worth $100).

The Capital One Travel portal is an online travel platform that allows customers to book flights, hotels, and rental cars. Capital One credit cards that are eligible for the travel portalYou don't necessarily need a high-priced travel rewards credit card to use the Capital One Travel portal. Capital One miles value in the Capital One Travel portalCapital One miles are worth 1 cent each in the Capital One Travel Portal. How to book flights through the Capital One Travel portalYou can book flights with both domestic and international airlines through the Capital One travel portal. How to book hotels through the Capital One travel portalBooking hotels through Capital One Travel is similar to booking flights.

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I've set aside a specific fund for splurges so I can get myself nice things without going overboard. Since stockpiling puts a dent in my immediate budget, I'll follow it up with no-spend months to stay on track. As someone who likes to stick to a strict budget, I've found gift cards to be helpful tools in achieving this goal. Editor's Rating 4.36/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Editor's Rating 4.34/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Editor's Rating 3.9/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Learn more On Public's website Learn more On Wealthfront's website Learn more On Acorns' website5. By allowing myself a judgment-free splurge from money set aside for that purpose, I can stay on budget while still enjoying the fruits of my labor.

That's where the Ink Business Cash Credit Card comes in handy, providing additional bonus categories to help me maximize all my spending. The Ink Business Cash Credit Card card earns 5% cash back on the first $25,000 in combined spending at office supply stores, and on internet, cable, and phone services every anniversary year — that's a pretty extensive spending category, so 5% is a substantial number for me. Overall, the Ink Business Cash card provides higher earning potential without me having to pay an annual fee. While that's an invaluable benefit, you don't have to pay for it if you have certain credit cards, including the Ink Business Cash card. Luckily, the Ink Business Cash card does provide primary coverage, so I won't have to pay extra for supplemental insurance as long as I charge the car rental to that card.

$95 Apply now On Wells Fargo's website Apply now On Citi's website Apply now On Chase's websiteHere are the cheapest ways to get a family to Hawaii on points and miles. HiltonFor the highest Hilton credit card welcome bonus, look no further than the Hilton Honors American Express Aspire Card . You can also utilize miles from the Capital One Venture Rewards Credit Card to cover the cost of activities. Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Pay these rewards with your Capital One Venture Rewards Credit Card and redeem miles toward statement credits.

Audit your loyalty accounts to know exactly how many points you have and which ones are on the verge of expiring. Buy points Sometimes loyalty programs will sell points at a discount and buying them can save you money on travel. Earn points The easiest way to earn points is to get a co-branded credit card. Most loyalty programs offer shopping portals and dining rewards programs where you can earn points without a fee. Dining rewards programs are even easier to earn points with — link your credit card with the program, dine at a participating restaurant and earn points.

Review: Is the IHG Premier card the best credit card for you? The IHG® Rewards Premier Credit Card offers tremendous value, making it one of the best credit cards for hotel stays. The IHG® Rewards Premier Credit Card delivers on that front and offers plenty of options for redeeming those rewards. IHG Premier card benefits and featuresThe IHG® Rewards Premier Credit Card offers lots of impressive benefits — in fact, for an annual fee of $99, it's hard to beat the range and value of perks you'll receive as a cardholder. IHG elite statusThe IHG® Rewards Premier Credit Card comes with automatic IHG Platinum elite status — one of the chain's middle elite tiers.

The scarcity principle drove many people to buy way too much dry pasta at the start of the pandemic. Scarcity principleThe scarcity principle is technically an economic principle, but it explains a crucial aspect of consumer behavior that leads to overspending. Consumers are more likely to buy items that they perceive as dwindling in supply. Retailers will use the scarcity principle to convince consumers to purchase items by emphasizing dwindling supplies or limited-time offers. It becomes preferable to "gain" free shipping by adding more items to your cart than to "lose" money on shipping.

Here's how the Capital One Venture Rewards Credit Card stacks up against the Capital One Venture X. Capital One Venture Rewards Credit Card vs. Capital One Venture X Rewards Credit CardCapital One Venture Rewards Credit Card Learn More Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. Capital One Venture X Rewards Credit Card Learn More Information about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. Annual feeThe Capital One Venture Rewards Credit Card has a $95 annual fee while the Capital One Venture X comes in at $395. Capital One Venture Rewards vs. Capital One Venture X Benefits Capital One Venture Rewards Capital One Venture X Annual Fee $95 $395 Rewards 2X miles on every purchase, 5X miles on hotels and rental cars booked through Capital One Travel, and 5X miles on Turo bookings through May 16, 2023.

☆ 10 best credit cards for elite status travel benefits
▼ + stars: | 2023-01-10 | by ( Ariana Arghandewal | ) edition.cnn.com time to read: +23 min

Best credit card for Delta SkyMiles elite status perksGetty ImagesElite status: No automatic elite status; however, you’ll earn up to 60,000 MQMs per year with Status Boost. Best credit card for United MileagePlus elite status perksGetty ImagesElite status: No automatic elite status; however, card holders can earn up to 8,000 Premier Qualifying Points (PQPs) per calendar year toward elite status. The best credit card for IHG One Rewards elite status perksIHGElite status: Complimentary Platinum Elite status as long as you remain a card holder. The best credit card for Hilton Honors elite status perksHiltonElite status: Complimentary Hilton Honors Diamond elite status. Frequently asked questions about credit cards with elite status benefitsIf you travel frequently enough, elite status can be worth it.

While it used to be impossible to charge your rent or mortgage payments to a credit card to earn points, that has changed in recent years. Several services let you pay your housing expenses with a credit card, and there's even a credit card designed for this very purpose. You can still earn points on your rent and mortgage payments by utilizing a processing service. Credit cards to use on rent and mortgage paymentsOnce you have a program picked out that lets you pay your rent or mortgage with a credit card, you'll want to choose a credit card that offers maximum rewards. Read our review Read Our Review A looong arrow, pointing rightThe Capital One Venture Rewards Credit Card and Capital One Venture X Rewards Credit Card earn 2x points on almost all spending, including rent and mortgage payments.

$0 Annual Fee View Full Details $0 Annual Fee Apply now On Wells Fargo's websiteWells Fargo Active Cash® Card Apply now On Wells Fargo's website Earn 2% cash rewards at Amazon and everywhere else Details Rewards Earn unlimited 2% cash rewards on purchases. Review: Amazon Prime Rewards Visa Signature Card reviewSome credit card and travel loyalty programs allow you to use points for Amazon purchases, including Amex Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, Capital One Rewards, and Hilton Honors. Review: Amex Blue Cash Everyday reviewEarn 2% cash rewards at Amazon and everywhere else: Wells Fargo Active Cash CardThe no-annual-fee Wells Fargo Active Cash® Card is a terrific choice for earning 2% cash rewards on purchases (including Amazon) and it comes with a generous welcome offer to boot. There are three flavors of personal Amazon-branded cards: The Amazon Prime Rewards Visa Signature Card, the Amazon Store Card, and the Amazon Secured Card. The other Amazon-branded cards store cards and can only be used for Amazon purchases.

If you're trying to decide if a credit card annual fee is worth it, look at its benefits and assess how many you'll use. This card's $650 annual fee is extremely high for a hotel credit card (or any credit card, for that matter). Credit cards with annual fees frequently asked questions (FAQ)What is a credit card annual fee? Credit card annual fees are effectively a paywall you have to breach if you want to enjoy enhanced (and sometimes super exclusive) benefits you won't find on a no-annual-fee credit card. If you won't use the benefits and perks of an annual fee-incurring credit card, no annual fee credit cards are the way to go.

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