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Crystal Cox/Business InsiderCredit card rewards come in all types, from cash back, airline miles, hotel points, and transferable points. Among people well versed in rewards credit cards, there's a bit of common knowledge: Not all rewards points are created equal. However, if you transferred your Chase Ultimate Rewards points to United, you could potentially book the same flight for half as many points. But when you have the Chase Sapphire Preferred® Card or Ink Business Preferred® Credit Card, you get a 25% bonus in value. Best credit cards for earning transferable pointsThe best transferable-point credit card for you depends on what credit card rewards program is most appealing.

☆ Morgan Stanley CEO James Gorman says there's about to be a "washout" of fintech valuations and a wave of consolidation. Here's how the bank is thinking about potential deals.
▼ + stars: | 2022-10-14 | by ( Hayley Cuccinello | Bianca Chan | ) www.businessinsider.com time to read: +4 min

Morgan Stanley CEO James Gorman predicted a "wash out" for fintech firms in an earnings call. The market is volatile, but Morgan Stanley CEO James Gorman sees it as a return to normalcy. Companies trading at 50 times revenue, what's gone on with Bitcoin trading at $60,000, and what's gone on with GameStop and other companies," Gorman said in the third-quarter earnings call on October 14. Consolidation in the fintech space is nothing new to Morgan Stanley, he added. Fintech founders, however, have been reluctant to face their new reality, according to a slew of VCs.

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Below, you'll find some of our favorite rewards credit cards without foreign transaction fees, with an emphasis on travel rewards cards that offer bonus points and miles for airfare, hotels, and more. Note that credit card lenders may use many different variations of credit score models when considering your application. Note that credit card lenders may use many different variations of credit score models when considering your application. Note that credit card lenders may use many different variations of credit score models when considering your application. Virtually all of the best travel rewards credit cards waive foreign transaction fees by this point, so for this guide, we focused on narrowing it down to the best options in a variety of categories.

☆ According to a financial planner, this is how much you need to save for retirement in order to spend the rest of your income worry-free
▼ + stars: | 2022-09-17 | by ( A.J. Cohen | ) www.businessinsider.com time to read: +6 min

According to CFP Colin Overweg, it's very simple: just save 20% of your income and you'll be fine. Other suggestions for how retirement saving can be expedited is by picking up side hustles. How much you need to save for retirement is going to depend a lot on your age, current income, individual needs, and location. One is the 25x rule, which states that you need to multiply your required annual income by 25 in order to know how much you need to save for retirement. "If you start saving 20% at age 30, you'll be financially independent around age 55 or 60."

☆ The first-time founder's ultimate guide to hiring top talent, from a Greylock partner, a former Googler, a Stanford lecturer, and a consultant to Spotify and JPMorgan
▼ + stars: | 2022-08-19 | by ( Shana Lebowitz | Jennifer Ortakales Dawkins | ) www.businessinsider.com time to read: +16 min

We asked a series of entrepreneurship experts — including founders, investors, and business professors — to outline some best hiring practices. Read more: The first-time founder's ultimate guide to pitching a VCNow, your goal in hiring the company's first few employees is to get the product or service to market. Patty McCord, former chief talent officer at Netflix, previously told Business Insider that managers should regularly evaluate whether their current team is equipped to tackle the next big challenge. Break down your organization into different levels: the senior management team, director-level managers, key employees, and employees in non-critical functions. As Sophie Kahn, cofounder of the sustainable jewelry company AUrate, told Business Insider, you can also consider your employees' personal preferences.

☆ Bank of America Business Advantage Travel Rewards card review: Earn a welcome bonus worth $300 and up to 3x points with no annual fee
▼ + stars: | 2022-08-16 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +25 min

Review: Is the Bank of America Business Advantage Travel Rewards the best credit card for you? If your small business is looking for a no-annual-fee travel rewards card with strong earning rates and a good welcome bonus offer, the Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card is worth considering. How to earn rewards with the Bank of America Business Advantage Travel Rewards World MastercardThe Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card earns 3x points on travel purchases, like car rental, hotel, or airline bookings through the Bank of America Travel Center. The BoA Business Advantage Travel Rewards card is a decent no-annual-fee travel rewards credit card that can be a good fit for many small businesses. Folks with good to excellent credit are eligible for the Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card.

Read our review Read Our Review A looong arrow, pointing rightThe Bank of America® Premium Rewards® credit card is ideal for folks who want a travel credit card with strong points earning and top-notch benefits without a high annual fee. Review: Is the Bank of America Premium Rewards the best credit card for you? If you're looking for a rewards credit card with a solid welcome bonus offer that earns flexible points, the Premium Rewards Visa Card is worth considering. How to earn rewards with the Bank of America Premium Rewards credit cardThe Premium Rewards Visa Card has simple rewards categories and no limits. Bank of America Preferred Rewards tiers Preferred Rewards Gold (minimum of $25,000 in your Bank of America accounts to qualify): 25% more rewards on eligible Bank of America rewards credit card spending (2.5x points on travel and dining, and 1.875x points on all other purchases)25% more rewards on eligible Bank of America rewards credit card spending (2.5x points on travel and dining, and 1.875x points on all other purchases) Preferred Rewards Platinum (minimum of $50,000 to qualify): 50% more rewards on eligible Bank of America rewards credit card spending (3x points on travel and dining, and 2.25x points on all other purchases)50% more rewards on eligible Bank of America rewards credit card spending (3x points on travel and dining, and 2.25x points on all other purchases) Preferred Rewards Platinum Honors ($100,000 to qualify): 75% more rewards on eligible Bank of America rewards credit card spending (3.5x points on travel and dining, and 2.625x points on all other purchases)How to use rewards earned with the Premium Rewards Visa cardThe Premium Rewards Visa Card is a great card for folks who like to use points like cash.

We want firms that are profitable, that have real earnings right now. This is related to the idea of avoiding expensive stocks, which we'll talk about later. A key reason we're looking to avoid expensive stocks is because long-term rates are rising, in addition to the short end of yield curve influenced by Fed action. For example, a stock that trades at 30 times earnings is more expensive than a rival company that trades at 15 times earnings. But for the purposes of this particular story, it's important to understand that expensive stocks are more vulnerable to seeing their multiples contract in this current environment.

Bottom line: The Capital One Venture X Rewards Credit Card is an excellent premium credit card with top-notch benefits and travel protections. These perks make the Capital One Venture X Rewards Credit Card incredibly competitive compared to other premium cards. If you're looking for a premium credit card, here's what to know to help decide if the Capital One Venture X Rewards Credit Card is best for you. Capital One Venture X — Frequently Asked Questions (FAQ)Is the Capital One Venture X worth it? Yes, it's possible to get approved for the Capital One Venture X Rewards Credit Card if you already have the Capital One Venture Rewards Credit Card open.

Capital One recently unveiled the Capital One Venture X Rewards Credit Card — and it's the best yet. Read more: The best Capital One credit cardsLet's look at the best ways to earn and redeem Capital One miles. Read our review Read Our Review A looong arrow, pointing rightThe Capital One Venture X Rewards Credit Card recently debuted as Capital One's first premium travel credit card. Read more: Capital One Savor Credit Card reviewOptions for using your Capital One milesAgain, Insider values Capital One miles at 1.7 cents apiece, on average. If you're looking for a flexible travel credit card that contours to your travel strategy, any Capital One travel credit card is worth exploring.

The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. $0 Annual Fee View Full Details $0 Annual Fee Apply now On Capital One's websiteCapital One VentureOne Rewards Credit Card from Capital One Apply now On Capital One's website Card Details Rewards Earn 5X miles on hotels and rental cars booked through Capital One Travel. Read our review Read Our Review A looong arrow, pointing rightReview: Is the Capital One VentureOne Rewards card the best credit card for you? Enter the Capital One VentureOne Rewards Credit Card, a no-annual-fee version of the popular Capital One Venture Rewards Credit Card. Travel accident insuranceCardholders receive travel accident insurance when they use their Capital One VentureOne Rewards Credit Card to pay for their fare.

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