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$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.

☆ Gold subdued as dollar ticks higher; investors eye Fed outlook
▼ + stars: | 2022-10-26 | by ( ) www.cnbc.com time to read: +1 min

Gold prices were flat on Wednesday on a firmer dollar, although the bullion was anchored in a narrow range with investors awaiting further guidance on U.S. Federal Reserve 's policy tightening. Spot gold was flat at $1,653.06 per ounce, as of 0118 GMT, while U.S. gold futures were down 0.2% at $1,654.20. The Fed is widely expected to deliver a fourth straight supersized interest-rate hike when they meet in November. Top gold consumer, China's net gold imports via Hong Kong halved from the previous month in September, data showed on Tuesday. Spot silver fell 0.1% to $19.32 per ounce, platinum dipped 0.1% to $914.04 and palladium rose 0.9% to $1,940.55.

One such perk is an annual travel credit — statement credits that reimburse you for qualifying travel purchases up to a certain dollar amount each year. What are credit card annual travel credits? Credit cards that offer an annual travel credit will reimburse you up to a certain dollar amount for applicable travel purchases each year. If that sounds good to you, here are six credit card annual travel credits you need to know about. Annual travel credit can effectively shave $300 off the annual fee if you use it Check mark icon A check mark.

☆ Luxury hotel booking programs from Amex, Capital One, Visa, and more can get you free elite benefits like room upgrades and on-property credits — here's how
▼ + stars: | 2022-10-25 | by ( Eric Rosen | Tessa Campbell | Read More | ) www.businessinsider.com time to read: +39 min

David Slotnick/Business InsiderMany travel rewards cards offer elite-like hotel benefits when you book with their online portals. The prices through credit card travel portals are often on par with booking directly through hotels. However, it's only available to Capital One Venture X Rewards Credit Card and Capital One Spark Travel Elite cardholders. Bottom lineYou might not have a premium hotel credit card or elite status with one of the major loyalty programs. However, that doesn't mean you can't take advantage of credit card booking portals to enjoy perks like room upgrades, free breakfast, and on-property credits.

☆ Gold firms on softer dollar, investors await Fed cues
▼ + stars: | 2022-10-25 | by ( ) www.cnbc.com time to read: +1 min

Gold prices edged higher on Tuesday, propped up by a pullback in the dollar, while investors awaited further cues on the U.S. Federal Reserve 's interest rate-hike path. Spot gold rose 0.3% to $1,653.28 per ounce, as of 0059 GMT, while U.S. gold futures were up 0.2% at $1,657.70. Although gold is considered a hedge against inflation, higher interest rates increase the opportunity cost of holding the zero-yield bullion, while boosting the dollar and bond yields. Holdings of SPDR Gold Trust , the world's largest gold-backed exchange-traded fund, rose by 0.29 tons to 928.39 tons on Monday. Spot silver rose 0.4% to $19.33 per ounce, platinum was flat at $925.00 and palladium rose 0.7% to $1,982.33.

☆ Business travel is making a comeback. Here's how the right choice of company card can maximize its success.
▼ + stars: | 2022-10-24 | by ( Sponsor Post | Created Insider Studios With American Express | ) www.businessinsider.com time to read: +6 min

Using the right company credit card on business trips turns an extra expense into a smart investment. In fact, 71% of respondents say they would leave their role if their employer didn't prioritize their well-being during business trips. Meanwhile, Business Platinum Cardmembers also receive access to benefits at over 600 luxury hotels and resorts in more than 30 countries worldwide. Learn more about the American Express® Business Platinum Card. Business Gold or Business Platinum Cardmembers who are enrolled or have been enrolled in the Membership Rewards programme in the last 13 months, are not eligible for the bonus.

The first Chase Sapphire Lounge by The Club will open at Hong Kong International Airport Terminal 1 on October 25, 2022. The wait is now over — the first Chase Sapphire Lounge by The Club will open at Hong Kong International Airport Terminal 1 on Tuesday, October 25, 2022 (Hong Kong time). Chase Sapphire Lounge opening in Hong KongChase Sapphire Reserve and Priority Pass members will be able to access comfortable seating and upscale amenities at the Hong Kong Chase Sapphire Lounge. How to access the Chase Sapphire Lounge in Hong KongChase Sapphire Reserve® cardholders, as well as Priority Pass members (including those with membership from cards like The Platinum Card® from American Express and Capital One Venture X Rewards Credit Card) and LoungeKey members, will be able to access the Hong Kong Chase Sapphire Lounge. And, if the Chase Sapphire Lounge is as upscale as promised, it will be a big competitor to the Hong Kong Amex Centurion Lounge (currently closed).

Compare Citi and Bank of America CitiBank of America Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Read our review Read Our Review A looong arrow, pointing rightCiti vs. Bank of America savings account comparisonsCiti offers two savings accounts — Citi® Accelerate Savings and the Citi® Savings Account. Meanwhile, the Bank of America Advantage Savings Account may be a better choice if you're only looking to open a savings account or find it easier to waive monthly service fees at Bank of America. Other fees depend on which checking account you link to your savings account Dash icon A dash. Winner: Bank of America Bank of America wins in this category since it is more likely to address customer issues, but keep in mind it's also been involved in public controversies.

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. Mistakes will happen — don't worry, you'll learn from themYou grow up listening to haunting tales of credit card misuse and lingering debt. You're going to hear a lot of lectures from teachers and parents alike warning you about credit card misuse.

☆ Gold steady as hopes of Fed slowdown counter firmer dollar
▼ + stars: | 2022-10-24 | by ( ) www.cnbc.com time to read: +1 min

Gold prices were steady on Monday, having risen 1.8% in the previous session, as hopes that the U.S. Federal Reserve will adopt a less aggressive policy stance later in the year countered pressure from a firmer dollar. The Fed is widely expected to raise its benchmark overnight interest rate by 75 basis points next month, as it battles high inflation. Although gold is considered a hedge against inflation, higher interest rates increase the opportunity cost of holding the asset, which yields nothing. Holdings of SPDR Gold Trust , the world's largest gold-backed exchange-traded fund, fell 0.3% to 928.10 tons on Friday. Spot silver fell 0.5% to $19.30 per ounce, platinum rose 0.4% to $935.38 and palladium inched 0.1% higher to $2,021.31.

Chase, American Express, Citi, Capital One, and other banks are currently offering elevated credit card bonuses, and there are dozens of other lucrative deals available. 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. How to pick a credit card bonusCredit card limited time offersCredit card intro bonuses aren't always the same. For a flexible all-around card with a six-figure bonus and modest annual fee, the Ink Business Preferred® Credit Card is a terrific choice.

☆ Disney is being sued by annual passholders who say the company has reduced their access to its Florida theme park
▼ + stars: | 2022-10-24 | by ( Grace Dean | ) www.businessinsider.com time to read: +5 min

Two holders of Disney World annual passes have sued Walt Disney Parks and Resorts. Disney changed the park entry system at Disney World in Florida to control capacity at the start of the pandemic. A tourist looks at a park map during the Flower and Garden Festival at Epcot at Walt Disney World in Orange County, Florida on May 30, 2022. "Disney's conduct is a predatory business practice, aimed at exploiting the customers who support it the most, its annual pass holders," it adds. Disney scrapped the Platinum Plus, Platinum, Gold, and Silver Passes in September 2021, replacing them with four new tiers of passes.

☆ Biden says Republicans want to risk economic chaos by using the debt ceiling to force Medicare and Social Security cuts
▼ + stars: | 2022-10-24 | by ( Juliana Kaplan | ) www.businessinsider.com time to read: +4 min

President Joe Biden said that the GOP wants to hold the economy hostage over Social Security and Medicare. If they retake the House, the GOP wants to use debt ceiling negotiations to enact spending cuts. But Biden has ruled out repealing the debt ceiling, despite Democratic pushes. Biden has said that he opposes repealing the debt ceiling outright, despite calls to do so from some Democrats: "That would be irresponsible." "In order to cut Social Security and Medicare, they're threatening to default on the federal debt," Biden said of the GOP.

☆ Gold set for second weekly fall as Fed hawks lift Treasury yields
▼ + stars: | 2022-10-21 | by ( ) www.cnbc.com time to read: +1 min

Customers look at the display window of a store at the gold market in Dubai, one of the busiest jewellery markets in the Middle East. Gold prices on Friday were set for a second weekly decline as U.S. Treasury yields held near multi-year highs following strong labor market data and hawkish comments from Federal Reserve officials, dampening the appeal for zero-yield bullion. The benchmark 10-year Treasury yields held near a fresh 14-year peak hit on Thursday while the dollar index ticked 0.1% higher. A separate data showed U.S. existing home sales dropped for an eighth straight month in September. Spot silver eased 0.2% to $18.63 per ounce, platinum fell 0.4% to $910.30 and palladium dropped 1.4% to $2,028.43.

$69 Annual Fee View Full Details $69 Annual Fee Apply now On Chase's websiteSouthwest Rapid Rewards® Plus Credit Card Apply now On Chase's website Card Details Rewards Earn 2X points on Southwest® purchases. Review: Is the Southwest Rapid Rewards Plus the best credit card for you? The Southwest Rapid Rewards® Plus Credit Card is the entry-level version, with the lowest annual fee ($69) of the bunch. $69 Annual Fee View Full Details $69 Annual Fee Apply now On Chase's websiteSouthwest Rapid Rewards® Plus Credit Card Apply now On Chase's website Card Details Rewards Earn 2X points on Southwest® purchases. To have the best chance of being approved for a travel credit card like the Southwest Rapid Rewards® Plus Credit Card, your credit score should be 700 or above.

Review: Is the Southwest Rapid Rewards Premier the best credit card for you? That's the same bonus you'll find on the Southwest Rapid Rewards® Plus Credit Card ($69 annual fee) and aSouthwest Rapid Rewards® Priority Credit Card ($149 annual fee). Anniversary points bonusEach year when you renew your Southwest Rapid Rewards® Premier Credit Card, you'll receive 6,000 points, which are worth around $84 in Southwest airfare. The Southwest Rapid Rewards® Premier Credit Card comes with ongoing benefits valuable enough to offset the $99 annual fee each year. To have the best chance of being approved for a travel credit card like the Southwest Rapid Rewards® Premier Credit Card, your credit score should be 700 or above.

☆ For one day only, Bank of America cardholders will earn unlimited bonus rewards on all purchases — here's how to make the most of More Rewards Day
▼ + stars: | 2022-10-20 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +24 min

Bank of America More Rewards Day is November 5, 2022, starting at 12 a.m. Eastern Time. But if you're a Bank of America Preferred Rewards member, you'll only earn your Preferred Rewards member bonus on the purchase amount, and not the bonus earning. All personal and business Bank of America credit cards are eligible to earn the More Rewards Day bonus on November 5, 2022. If your Bank of America card doesn't normally earn rewards, you'll receive a statement credit equal to 2% of total purchases made on November 5, 2022. Cash back personal and business credit cards include:Points rewards personal and business credit cards include:Bank of America® Travel Rewards credit card , Bank of America® Premium Rewards® credit card, Bank of America® Premium Rewards® Elite credit card, BankAmericard® Power Rewards®, MERRILL+®, MERRILL+® Elite, Bank of America® Royal Caribbean®, Bank of America® Celebrity Cruises®, Norwegian Cruise Line®, Bank of America® Sonesta®, Bank of America® Beaches®, Bank of America® Sandals®, Bank of America® Virgin Atlantic®, Bank of America® Free Spirit®, Bank of America® Allegiant®, Bank of America® Premium Rewards® credit card, Bank of America® Premium Rewards® Elite credit card, BankAmericard® Power Rewards®, MERRILL+®, MERRILL+® Elite, Bank of America® Royal Caribbean®, Bank of America® Celebrity Cruises®, Norwegian Cruise Line®, Bank of America® Sonesta®, Bank of America® Beaches®, Bank of America® Sandals®, Bank of America® Virgin Atlantic®, Bank of America® Free Spirit®, Bank of America® Allegiant® Bank of America® Business Advantage Travel Rewards World Mastercard® Credit Card , WorldPoints® Rewards for Business credit cardsMiles rewards personal and business credit cards include:Alaska Airlines Visa® Credit Card, Bank of America® Air France KLMAlaska Airlines Business Credit CardNon-rewards and other rewards credit cards include:BankAmericard®, BankAmericard® Better Balance Rewards®, Bank of America® Amway®Bank of America® Platinum Plus® Business credit card

Show more Regular APR 18.24% - 25.24% Variable Editor's Rating 4.8 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.8 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Read our review Read Our Review A looong arrow, pointing rightRewards on food delivery: You'll earn 4 points per dollar on restaurants, which includes most US food delivery services. Show more Regular APR 19.99% - 26.99% Variable Editor's Rating 4.65 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.65 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Read our review Read Our Review A looong arrow, pointing rightRewards on food delivery: You'll earn 4 points per dollar on takeout, food delivery, and dining. Review: U.S. Bank Altitude Go card reviewFood delivery credit cards frequently asked questions (FAQ)Which is the best credit card for food delivery?

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.

To build credit from scratch, try applying for a secured credit card or credit-builder loan, or ask to be added as an authorized user on someone else's credit card. And having no credit can make it more difficult to get approved for a mortgage, auto loan, personal loan, credit card, or any other type of credit. How to get a loan with no creditIf you're looking to get a loan without a credit history, here are five strategies worth considering. If you plan to repay the money quickly, a 401(k) loan could be a far more favorable borrowing choice than a payday loan, title loan, or pawn shop loan. Insider's Featured Secured Credit Cards Capital One Platinum Secured Credit CardDiscover it® Secured Credit CardCapital One Quicksilver Secured Cash Rewards Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

☆ Gold dips as steady U.S. dollar, looming rate hikes dim appeal
▼ + stars: | 2022-10-19 | by ( ) www.cnbc.com time to read: +1 min

Gold inched lower on Wednesday as the dollar gained some ground, while the U.S. Federal Reserve's commitment to tightening its monetary policy also weighed on zero-yield bullion's appeal. Spot gold was down 0.1% at $1,650.02 per ounce, as of 0317 GMT, while U.S. gold futures were flat at $1,654.80. "Market participants may want to see a clearer end to Fed's rate hikes before restoring some confidence in gold prices," IG market strategist Yeap Jun Rong said, adding given upside risks to inflation, monetary tightening seems far from over. "That will keep gold prices locked in an overall downward trend for now, with any rallies running the risks of being eventually sold into." The Fed is widely expected to deliver a fourth straight 75-basis point rate hike when it meets in November, and traders of futures contracts tied to the policy rate are betting on another oversized hike in December as well.

Why do so many industries treat voice actors poorly?!?" Rather than having a set salary, Hayhurst said, video game voice actors often have an hourly rate that’s agreed upon before they begin recording. Video game voice actors are eligible to be represented by the Screen Actors Guild‐American Federation of Television and Radio Artists. In 2017, SAG-AFTRA reached an agreement with video game companies, after a nearly yearlong strike by the union against video game producers, developers and publishers, Variety reported. In some cases, video game voice acting is more than delivering lines of dialogue in a booth.

☆ Capital One will launch the Premier Collection luxury hotel booking program, plus new culinary-focused Capital One Landing airport lounges
▼ + stars: | 2022-10-18 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +12 min

Capital OneCapital One will offer its own premium hotel booking program with the launch of the Premier Collection for Capital One Venture X Rewards Credit Card members. Read Insider's guide to the best travel rewards credit cards. And it's got a lot in common with existing credit card hotel programs, like Amex Fine Hotels and Resorts and Chase's Luxury Hotels and Resorts Collection. To access the Capital One Premier Collection, you'll need to have a Capital One Venture X Rewards Credit Card or Capital One Spark Travel Elite card (only available through Capital One Business relationship managers). Oftentimes, credit card hotel booking programs have higher rates than booking through the property (or chain) directly.

☆ The credit score you need for popular rewards cards like the Chase Sapphire Reserve, Amex Platinum, and Capital One Venture
▼ + stars: | 2022-10-18 | by ( Caroline Lupini | Freelance Reporter | ) www.businessinsider.com time to read: +31 min

Knowing the credit score you'll need to be considered for popular rewards credit cards can help you decide which to apply for. Crystal Cox/Business InsiderIt's good to know the credit score you'll need to get approved for a credit card before you apply. Not all rewards credit cards require a high credit score, however. Capital One says you'll need excellent credit to be approved for the Capital One Venture Rewards Credit Card. However, we don't recommend that you dive into rewards credit cards until your score is at least 700.

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