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Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™. Credit card issuers will typically pull your personal credit when you apply for a business credit card. Don't miss: How to check your business credit score for freeHow long does it take to get a business credit card? With time and patience, you'll be able to qualify for more rewarding business credit cards, such as the Ink Business Preferred® Credit Card and The Blue Business® Plus Credit Card from American Express. Our methodologyTo determine which business credit cards are the best picks for business owners with bad credit, Select analyzed the most popular credit cards available to U.S. business owners with poor or average credit.

But if you’ve booked your Southwest flight with a credit card that offers travel insurance, you may have better chances of getting your money back. Here’s what Southwest may agree to cover — and how your credit card might help if the airline falls short of your expectations. How to use credit card travel insuranceTo use travel protections available with your credit card, make sure you purchase your airplane tickets with that card. You can also call your credit card issuer and talk about your specific situation to ensure that coverage will apply. If your credit card doesn’t offer travel insurance but you travel often, it might make sense to look into cards with this benefit for your future trips.

☆ Costco’s Credit Card Is Also Great for Filling Your Gas Tank
▼ + stars: | 2022-12-02 | by ( ) www.wsj.com time to read: +6 min

By Ana StaplesURL:WRITER: Ana StaplesThe Costco Anywhere Visa Card by Citi is a rewarding combination of a Costco store credit card and a cash back credit card. Plus, no other credit card from a major bank offers such a high rewards rate on gas and EV charging. The 3% rate on dining and travel also gives this card an edge and is comparable to rewards offers on some of the best travel credit cards. You’ll get a credit card reward certificate once a year with your February billing statement. If that’s the case, you might want to look into a secured credit card that earns rewards.

☆ This Secured Credit Card Has the Best Cash Back Rewards
▼ + stars: | 2022-11-29 | by ( ) www.wsj.com time to read: +5 min

By Ana StaplesThe Capital One Quicksilver Secured Rewards is a secured version of the Capital One Quicksilver Cash Rewards Credit Card, which makes this credit builder a decent cash back card in its own right. Capital One Quicksilver Secured Rewards Learn more Fair credit requiredAnnual fee: NoneBase rewards: 1.5% cash backBonus rewards: NoneIntro offer: NoneAPR: 28.49% variableThe card’s simple rewards structure, as well as the opportunity to graduate to its popular unsecured sibling, is why we named it Buy Side from WSJ’s pick for Best Secured Credit Card for Rewards. For instance, the Discover it® Secured Credit Card, our pick for Best Overall Secured Credit Card in 2022, lays out these terms on the card’s webpage. That’s the same return you’d get with unsecured cards like the Bank of America® Unlimited Cash Rewards credit card or the American Express Cash Magnet® Card. For example, the Discover it Secured and the Bank of America® Customized Cash Rewards Secured Credit Card will still earn you cash back, and you can qualify with bad or no credit.

☆ How to Improve Your Credit Score, According to Experts
▼ + stars: | 2022-10-12 | by ( ) www.wsj.com time to read: +10 min

That’s why we asked three credit experts what they think of common credit score tips—and how you can really make the most of them. In the scenario above, if you doubled your credit limit—or got an additional credit card with the same credit limit—your credit utilization would go down to 5%. What experts say: Experts agree that getting more available credit can indeed help your credit utilization and credit scores. You might see positive changes to your credit as soon as your new credit limit makes it to your credit report. Some of the easiest options include becoming an authorized user on a family member’s credit card or applying for a secured credit card, which involves depositing money with the credit card issuer.

☆ How to Cancel a Credit Card
▼ + stars: | 2022-08-24 | by ( ) www.wsj.com time to read: +9 min

If you have a metal credit card, return it by mail to the credit card issuer—your bank can send you a prepaid envelope at your request. According to popular credit advice, cancelling a credit card is a bad idea since it can hurt your credit. Say, you have two credit cards with a $2,000 credit limit and a total of $500 in credit card debt. First, if you have another credit card, you can try to request a credit limit increase to make up for the loss of available credit. Keep in mind, however, that a credit card application triggers a hard inquiry on your credit report, which can cost you some credit points.

Below, CNBC Select takes a closer look at three of the best mortgage lenders that don't charge origination fees (see our methodology below). Ally Bank doesn't charge application fees, origination fees, processing fees or underwriting fees — the lender may, however, charge appraisal fees and recording fees, as well as for title searches and insurance. See our methodology for more information on how we choose the best mortgage lenders that don't charge origination fees. Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees. Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees.

Persons: you'll, Ally HomeReady, —, Ally, We've Organizations: CNBC, Ally Bank Ally, Jumbo, Ally, PenFed Credit Union PenFed Credit, PenFed, Federal Credit Union Navy Federal Credit, Navy Federal Credit Union, Armed Forces, PMI, CNBC Select's, Facebook, Twitter

☆ All the Perks You’re Missing Out on Without This Card
▼ + stars: | 2022-07-10 | by ( ) www.wsj.com time to read: +12 min

By Ana StaplesAt $695 a year, The Platinum Card® from American Express is a travel credit card for heavy spenders who prefer to travel in luxury. You typically want a rewards credit card that already fits your spending, not a card you have to adjust your shopping habits for. For more than two decades until the early 2010s, the Platinum Card from American Express was the only premium travel credit card in the market. The Platinum Card started off as a charge card, meaning it didn’t allow you to carry a balance. The feature offers the flexibility of a traditional credit card by providing card members the option to pay off purchases over time with interest.

Persons: Ana Staples, Amex, Uber, you’ll, That’s, it’s, Jan, “, Marriott, you’d, Nilson, won’t Organizations: American Express, Luxury, Delta Sky, Walmart, American, Amex, incidentals, airfare, Hulu, ESPN, Disney, New York Times, Global, TSA, Saks Fifth, Honors, Avis Preferred, Hertz, Executive Travel, Venture, Capital, Express, Survey, Discover, Chase, Visa, Mastercard, Amex Assurance Company Locations: Amex, Hulu, U.S

☆ The Ultimate Travel Card for Serious Travelers
▼ + stars: | 2022-06-27 | by ( Ana Staples | ) www.wsj.com time to read: +8 min

Those generous rewards, along with its $395 annual fee (relatively modest for a premium travel card) make this card Buy Side from WSJ’s pick for Best Travel Rewards Card for Heavy Travelers. The $300 annual travel credit and the 10,000-mile annual bonus (worth $100 in travel) more than make up for the $395 annual fee. Note that (unlike when you redeem miles for recent travel) you need to book through Capital One Travel to receive the travel credit. If you tend to carry a balance, a rewards credit card may not be a good idea for you. The launch of the Venture X in 2021 made Capital One a serious player in the luxury travel card space.

Persons: Ana Staples, spender, you’ll, Hertz, Nilson Organizations: Card, Capital, Travelers, Venture, Venture X, American Express, Chase, Chase Reserve, Survey, Hertz Locations: Capital, U.S, Hertz.com

☆ If You Want One Travel Card…This Is It
▼ + stars: | 2022-06-20 | by ( ) www.wsj.com time to read: +9 min

With an annual fee of $95, Capital One Venture Rewards offers a lower price compared to many top travel cards. Still, Venture Rewards’ high rewards rate on general purchases, flexible redemption policies, and generous sign-up bonus make it a great travel credit card. However, when it comes to travel credit card products, it’s often perks and benefits that make up a large portion of the card’s value. In contrast, other popular travel card issuers including American Express and Chase offer travel redemptions only through their travel portals. Last year, Capital One ramped up its game by launching its first luxury travel credit card with a highly competitive annual fee.

If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Citi stands out as a personal loan lender because it doesn't charge origination fees, early payoff fees or late fees. Eligible borrowers Must be at least 18 years old Loan amounts $2,000 to $30,000 Loan terms Up to 60 months [ Return to account summary ] See if you're pre-approved for a personal loan offer. Bottom lineWhen you need money in a pinch, many personal loan lenders can get you funded as soon as the same business day. Every personal loan review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of loan products.

Persons: Avant, you've, OneMain Financial's, Prosper, There's, it's, Prosper Prosper, It's Organizations: AutoPay, autopay, OneMain, North, Citi, OneMain Financial, Citi Bank Citi, CNBC, CNBC Select's, Facebook, Twitter Locations: U.S, Alabama, California, Georgia, North Dakota, Ohio, Virginia, Carolina, Maine, Mississippi, West Virginia, Maine , Mississippi, North Carolina, autopay

If your credit score isn't great, you can still get approved as Avant looks at both your credit score and income. When determining eligibility for a loan, LendingPoint considers credit score, loan term, credit usage, loan amount and other factors. Personal loans are a form of installment credit, which affect both your credit report and your credit score. Student loans, personal loans and credit cards are all examples of unsecured loans. Our methodologyTo determine which personal loans are best for bad credit, CNBC Select analyzed dozens of U.S. personal loans offered by both online and brick-and-mortar banks, including large credit unions.

Persons: Will, it's, you'll, You'll, OneMain Financial's, LendingPoint, prequalify Organizations: CNBC, OneMain, AK, AR, DC, Social, CNBC Select's, Facebook, Twitter Locations: Alabama, California, Georgia, Ohio, Virginia, Carolina, Nevada, West Virginia

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