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How to earn Chase Ultimate Rewards pointsThe only way to earn rewards in the Chase Ultimate Rewards ecosystem is by opening and using a Chase credit card that operates within this program. Pay Yourself Back with Chase points (up to 1.5 cents per point)During the pandemic, Chase introduced a compelling new way to redeem points for everyday, non-travel expenses. Redeem points for experiences (point values vary)You can also use Chase Ultimate Rewards points to book special experiences, including one-of-a-kind events hosted by Chase. Book hotels through the Chase Ultimate Rewards portalWhile the Chase Ultimate Rewards program partners with IHG Rewards, Marriott Bonvoy, and World of Hyatt, it's important to price shop awards before you transfer Chase points to these programs. For example, you may find that a Marriott stay that costs 50,000 points will only set you back 12,000 Chase points through the portal.

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. Review: Citi Double Cash card reviewBest credit cards for home improvement frequently asked questions (FAQ)What is the best credit card for home improvement? There really is no "best" credit card for home renovation that covers every situation. You can almost always pay for home renovations with a credit card — however, the above scenarios we've examined are pricey.

For starters, you'll pay credit card interest whenever you carry a balance from month to month, and you'll likely encounter other fees like over-the-limit fees and late fees. Note that credit card lenders may use many different variations of credit score models when considering your application. But some credit cards don't charge any late fees for your first late payment, or, in some cases, any late fees at all. It's best for those with limited credit histories who can't qualify for a traditional unsecured credit card quite yet. Review: Citi Simplicity credit card reviewApple CardLate fee benefit: The Apple Card doesn't charge any penalty fees or late fees.

Welcome to Personal Finance Insider, a biweekly newsletter that connects you with the stories, strategies, and tips you need to be better with money. Here's what: Don't panic over holiday spendingThe holidays are such a fun time of year, but it goes without saying that they can come with a hefty cost. It's so easy to overspend and get off track with your budget and financial goals between dinners and parties, holiday planning and gift-giving. And even if you carefully laid out a holiday budget ahead of time, unexpected costs can add up quickly. The 18 best personal finance books for 2022Ready to get your finances on track in the new year?

There are four main types of cash-back credit cards, and the Capital One Quicksilver Cash Rewards Credit Card falls into the flat-rate rewards category. How to use rewards from the Quicksilver Cash RewardsYou can redeem your rewards from the Capital One Quicksilver Cash Rewards Credit Card for a check in the mail or a statement credit. Unlike some other cash-back credit cards, there's no minimum redemption amount with the Capital One Quicksilver Cash Rewards Credit Card. What credit score do you need to qualify for the Quicksilver Cash Rewards Card? Most folks who qualify for the Capital One Quicksilver Cash Rewards Credit Card have a good to excellent credit score (FICO score of at least 670).

My husband and I are on track to retire wealthy, but we weren't always smart with our money. Pros Check mark icon A check mark. Low annual fee for investment accounts; crypto trust investments available Check mark icon A check mark. Tax-loss harvesting Check mark icon A check mark. Mobile app and investing and retirement tools Check mark icon A check mark.

Earning a credit card bonus or extra rewards can take the sting out of an expensive home-improvement project. 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. Review: Citi Double Cash card reviewBest credit cards for home improvement frequently asked questions (FAQ)What is the best credit card for home improvement?

☆ A complete guide to Capital One's 360 Performance Savings account
▼ + stars: | 2022-11-16 | by ( Holly Johnson | ) edition.cnn.com time to read: +9 min

Advantages of the Capital One 360 Performance Savings accountWhile the current 3.75% APY offered by the Capital One 360 Performance Savings account won’t help you get rich, this rate is a competitive one when you compare savings rates from the past few years. You can open a Capital One 360 Performance Savings account online or in a Capital One branch. Disadvantages of the Capital One 360 Performance Savings accountWhile the Capital One 360 Performance Savings account has plenty going for it, there are also some drawbacks. Ultimately, the Capital One 360 Performance Savings account is a truly solid savings account option for storing your money. If you want an online savings account that you can manage via a highly rated mobile app, the Capital One 360 Performance Savings account is worth considering.

Both the Amex Gold Card and the Amex Green Card offer new cardholders substantial welcome bonus offers. Annual feeThe annual fee on the Amex Gold Card is $250, whereas the Amex Green Card charges $150 per year. Dining credits with the Amex Gold cardThe Amex Gold Card also offers up to $120 in dining credits each year**, but once again, this credit is only good for specific purchases. LoungeBuddy credits with the Amex Green cardThe Amex Green Card also gives you up to $100 in LoungeBuddy credits each year. Benefits shared by both cardsThe Amex Gold Card and Amex Green Card share a handful of benefits that can help you get more value in exchange for your annual fee.

Your business has the control to pay when you wantGet an itemized report of your spending to simplify budgeting and tax timeThe best average credit credit card reviewsIf you're looking for a basic credit card you can use to build your credit score up, consider the Capital One Platinum Credit Card. Pros: No annual fee, free employee cards, no foreign transaction fees, decent perksCons: No welcome bonus offer, similar cards earn more rewards on purchasesHow we chose the best credit cards for average or fair credit We evaluated credit cards for those with a fair or average credit score by looking at several factors: Annual fee — Some credit cards geared to folks with lower credit scores tack on an annual fee. Some credit cards for average credit, including the Capital One Platinum Credit Card, give you access to your credit score and credit-building tools just for being a cardholder. Credit card interest is charged on your balance if you do not pay your credit card bill in full each month. Currently, American Express doesn't offer a credit card for fair or average credit as most Amex credit cards require you to have at least a good credit score (some as high as excellent credit) to qualify.

☆ 10 best credit cards for bad credit of November 2022: Secured and unsecured cards, including some that earn cash back or flexible points
▼ + stars: | 2022-10-31 | by ( Holly Johnson | Jasmin Baron | Freelance Writer | ) www.businessinsider.com time to read: +24 min

This credit card comes with no annual fee and no hidden fees, yet it's a Visa credit card that can be used anywhere Visa is accepted worldwide. How to choose the right credit card if you have bad creditBefore you pick the best credit card for your situation, you'll want to decide if you want a secured or unsecured credit card. A secured credit card is a type of credit card that requires a cash deposit as collateral. To avoid paying interest on purchases made with a credit card, you need to pay your credit card statement balance in full each month. American Express doesn't currently offer a secured credit card as most Amex cards require you to have a good to excellent credit score.

When you connect a credit card to your account and use that card for purchases, you get the convenience of paying with PayPal plus any benefits you get from using a credit card. $0 Apply now On Chase's website Learn more On PayPal's websiteYou also get to earn rewards on purchases made through PayPal with a credit card, which can be especially fruitful if you use a credit card that gives you bonus points on PayPal purchases. Review: PayPal Cashback Mastercard reviewBest credit cards for PayPal purchases frequently asked questions (FAQ)Are PayPal credit cards the best cards for online shopping? The rewards credit cards featured above offer bonus points on PayPal purchases, but there are plenty of other credit cards that can help you boost your rewards haul when you shop online. Are PayPal credit cards the best cards to use with PayPal?

☆ Chase Pay Yourself Back gets you up to 50% more value when you redeem points for Airbnb, dining, phone, internet, and more — here's how it works
▼ + stars: | 2022-10-20 | by ( Holly Johnson | Jasmin Baron | Freelance Writer | ) www.businessinsider.com time to read: +17 min

You'll get 50% more value with the Chase Sapphire Reserve®, and 25% more with the Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card. Here's what to know about Pay Yourself Back to help you decide if you want to redeem your Chase Ultimate Rewards® points this way. Let's say for a moment that you have 50,000 Chase Ultimate Rewards points in your Chase Sapphire Reserve® account. You'll also earn 10x points on Lyft rides with the Chase Sapphire Reserve® and 5x points on Lyft rides with the Chase Sapphire Preferred® Card through March 2025. Pair Chase cards for even more valueIf you have a Chase Sapphire Reserve® or Chase Sapphire Preferred® Card, you should also consider applying for another Chase card that could help you maximize this benefit.

☆ 10 best credit cards for bad credit of September 2022: Secured and unsecured cards, including some that earn cash back or flexible points
▼ + stars: | 2022-09-27 | by ( Holly Johnson | Jasmin Baron | Freelance Writer | ) www.businessinsider.com time to read: +56 min

Best secured card with flat cash-back earning: Capital One Quicksilver Secured CardThe Capital One Quicksilver Secured Cash Rewards Credit Card is a new secured credit card that doesn't charge an annual fee, and it earns 1.5% cash back on all other purchases with no limits. This credit card comes with no annual fee and no hidden fees, yet it's a Visa credit card that can be used anywhere Visa is accepted worldwide. How to choose the right credit card if you have bad creditBefore you pick the best credit card for your situation, you'll want to decide if you want a secured or unsecured credit card. A secured credit card is a type of credit card that requires a cash deposit as collateral. To avoid paying interest on purchases made with a credit card, you need to pay your credit card statement balance in full each month.

You also get to earn rewards on purchases made through PayPal with a credit card, which can be especially fruitful if you use a credit card that gives you bonus points on PayPal purchases. Note that credit card lenders may use many different variations of credit score models when considering your application. Review: PayPal Cashback Mastercard reviewBest credit cards for PayPal purchases frequently asked questions (FAQ)Are PayPal credit cards the best cards for online shopping? The rewards credit cards featured above offer bonus points on PayPal purchases, but there are plenty of other credit cards that can help you boost your rewards haul when you shop online. Are PayPal credit cards the best cards to use with PayPal?

The fact is, there are several important reasons I will continue saving for my kid's college education, and why those who can afford to do so should do the same. Today's forgiveness plan won't help future borrowersOne big issue I have with Biden's forgiveness plan is that it is a one-time action that does nothing to fix our broken higher education system. Biden's forgiveness plan once again limits relief to individual borrowers with incomes of $125,000, or couples who earn $250,000 or less. For these reasons and plenty of others, we are still saving for our children's college education on a monthly basis. APR Variable: 1.79% - 12.99%, Fixed: 3.22% - 13.95% Editor's Rating 4.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star APR Variable: 3.25% - 13.59%, Fixed: 3.75% - 13.72% Editor's Rating 3.25/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star APR Variable: 2.52% - 11.11%, Fixed: 3.89% - 13.16% Editor's Rating 3.5/5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Find your rate On College Ave's website Find your rate On Sallie Mae's website Find your rate On Ascent's website

Citi issues multiple credit cards that earn ThankYou Rewards, including the popular Citi Premier® Card and no-annual-fee options like the Citi Rewards+® Card and Citi Custom Cash℠ Card. If you're thinking of applying for a credit card like the Citi Premier® Card, Citi Custom Cash℠ Card, or Citi Rewards+® Card, keep reading to learn more about how you can put your Citi credit card rewards to work for you. How to earn Citi ThankYou pointsThe easiest way to rack up Citi ThankYou points is with a Citi credit card, which you can easily apply for online. Citi ThankYou Rewards points are worth, on average, 1.6 cents per point based on Insider's points and miles valuations — but how you redeem your points will change the exact value of points. There's one non-airline Citi ThankYou transfer partner available to all cardholders — you can transfer your Citi ThankYou points to Sears Shop Your Way points at a rate of 1:10.

It also means you probably won't be able to qualify for the top rewards credit cards and travel credit cards. How we chose the best credit cards for average or fair credit We evaluated credit cards for those with a fair or average credit score by looking at several factors: Annual fee — Some credit cards geared to folks with lower credit scores tack on an annual fee. Some credit cards for average credit, including the Capital One Platinum Credit Card, give you access to your credit score and credit-building tools just for being a cardholder. Credit card interest is charged on your balance if you do not pay your credit card bill in full each month. Currently, American Express doesn't offer a credit card for fair or average credit as most Amex credit cards require you to have at least a good credit score (some as high as excellent credit) to qualify.

For starters, you'll pay credit card interest whenever you carry a balance from month to month, and you'll likely encounter other fees like over-the-limit fees and late fees. Note that credit card lenders may use many different variations of credit score models when considering your application. But some credit cards don't charge any late fees for your first late payment, or, in some cases, any late fees at all. It's best for those with limited credit histories who can't qualify for a traditional unsecured credit card quite yet. Review: Citi Simplicity credit card reviewLate fee benefit: The Apple Card doesn't charge any penalty fees or late fees.

Getty ImagesChase just launched the Chase Freedom Flex℠ and revamped its Chase Freedom Unlimited®. See Business Insider's list of the best no-annual-fee credit cards »Compare the Freedom Flex and Freedom Unlimited Chase Freedom Flex℠Chase Freedom Unlimited® Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. If you're considering a new cash-back credit card, you'll want to compare the Chase Freedom Flex℠ and the Chase Freedom Unlimited® to see how they stack up. Another interesting detail about the new Chase Freedom Flex℠ is that, unlike the old Chase Freedom card, this new card will be offered as a World Elite Mastercard rather than a Visa card. Benefits shared by both cardsSeveral major benefits apply to both the Chase Freedom Flex℠ and the Chase Freedom Unlimited®.

☆ The Chase Ink business cards all come with hefty welcome bonus offers, and the best one depends mostly on how you spend and travel
▼ + stars: | 2022-08-26 | by ( Holly Johnson | Joseph Hostetler | Freelance Writer | ) www.businessinsider.com time to read: +28 min

The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are offering record-high welcome bonuses for a limited time. The Ink Business Cash® Credit Card stands out because it offers more rewards in popular business categories. If you don't spend a lot on these categories, the Ink Business Unlimited® Credit Card is probably a better choice. If you're intrigued about the Ink Business Preferred® Credit Card, you should know that it offers more perks on the travel front. Holly Johnson Freelance Writer Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel.

The Bank of America® Premium Rewards® credit card and the Chase Sapphire Preferred® Card are two of the best rewards credit cards with annual fees at the $95 level. The Bank of America® Premium Rewards® credit card is a better pick if you prefer using rewards for cash back. See Business Insider's list of the best rewards credit cards you can get »Compare the Premium Rewards and Sapphire Preferred Chase Sapphire Preferred® CardBank of America® Premium Rewards® credit card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Earning rate on purchasesWhile both the Chase Sapphire Preferred® Card and the Bank of America® Premium Rewards® credit card give you 2x points on travel (not purchased through Chase Ultimate Rewards®), the Bank of America Premium Rewards card comes out way ahead in terms of ongoing earnings. Potential for 25% to 75% more rewards with the Bank of America Premium Rewards cardThe Bank of America® Premium Rewards® credit card also comes with a really unique perk for Bank of America customers.

☆ Amex Blue Cash Preferred card review: A generous welcome bonus offer and 6% back at supermarkets make this cash-back card hard to beat
▼ + stars: | 2022-08-19 | by ( Holly Johnson | Jasmin Baron | Freelance Writer | ) www.businessinsider.com time to read: +34 min

If you prefer to only earn cash back, the Blue Cash Preferred® Card from American Express is a star. Here's our comparison of the Blue Cash Preferred and Blue Cash Everyday to help you decide which is best for your wallet. No, the Blue Cash Preferred® Card from American Express isn't made of metal — it's a plastic card. The Blue Cash Preferred® Card from American Express is a credit card, not a charge card. You can't transfer cash back (Reward Dollars) from the Blue Cash Preferred® Card from American Express to other Amex cards like The Platinum Card® from American Express or the American Express® Gold Card.

☆ Bank of America Travel Rewards card review: A bonus worth $250, straightforward 1.5x earning, and broad travel categories for redeeming make this card a good choice for beginners
▼ + stars: | 2022-08-10 | by ( Holly Johnson | Jasmin Baron | Freelance Writer | ) www.businessinsider.com time to read: +26 min

The Bank of America® Travel Rewards credit card is a good travel credit card for beginners or those who prefer simplicity in earning and redeeming rewards. Bank of America Preferred Rewards tiers Preferred Rewards Gold: 25% more rewards on eligible Bank of America rewards credit card spending (earn 1.875 points per dollar)25% more rewards on eligible Bank of America rewards credit card spending (earn 1.875 points per dollar) Preferred Rewards Platinum: 50% more rewards on eligible Bank of America rewards credit card spending (earn 2.25 points per dollar)50% more rewards on eligible Bank of America rewards credit card spending (earn 2.25 points per dollar) Preferred Rewards Platinum Honors: 75% more rewards on eligible Bank of America rewards credit card spending (earn 2.625 points per dollar)One other way to boost your returns from the Bank of America® Travel Rewards credit card is by purchasing travel through the Bank of America travel center. Bank of America Travel Rewards card benefits and featuresThe Bank of America® Travel Rewards credit card doesn't have a ton of valuable cardholder perks, which is common among credit cards with no annual fee. The Bank of America® Travel Rewards credit card is worth it if you're looking for a simple way to earn and use credit card rewards for travel without paying an annual fee. Unfortunately, the Bank of America® Travel Rewards credit card doesn't offer travel insurance like many other top travel rewards cards.

The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a flat rate of cash rewards with no annual fee. $0 Annual Fee View Full Details $0 Annual Fee Apply now On Wells Fargo's websiteWells Fargo Active Cash® Card from Wells Fargo Apply now On Wells Fargo's website Card Details Rewards Earn unlimited 2% cash rewards on purchases. How to earn cash rewards with the Wells Fargo Active Cash CardThe Wells Fargo Active Cash® Card offers 2% cash rewards on purchases with no rewards category limitations or quarterly activation. How to redeem rewards from the Wells Fargo Active Cash credit cardRewards earned with the Wells Fargo Active Cash® Card belong in the Wells Fargo Rewards program, which means you can redeem them in several ways. Wells Fargo Active Cash card benefits and featuresThe Wells Fargo Active Cash® Card comes with decent benefits for a no-annual-fee card.

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