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If you travel, a co-branded hotel or airline credit card could make sense as well, and you'll want a card that offers strong travel protections like trip delay insurance. See Business Insider's list of the best rewards credit cards. I would have to spend $60,000 on my rewards credit card to earn 60,000 miles, but just $16,836.50 on a 2% cash-back card like the Fidelity Rewards Visa Signature Card. With a hotel or airline credit card, loyalty can pay off, even if you're not traveling enough to earn elite status. You're paying annual fees on many of your rewards credit cards, make sure you get your money's worth through benefits like these.

can be worth the high annual fees thanks to annual statement credits for airline incidental fees, Uber rides, and more. In some cases, it can be worth paying a high annual fee for a rewards card. But not every credit card annual fee is easy to justify — especially if you can't use all the benefits. There are plenty of cards with perks worth significantly more than the annual fee, but the key is to take a hard look at the benefits at evaluate how many of them you'll actually use. If you're not sure an annual fee is worth it, you do have several great rewards credit card options with no annual fees.

By adding an authorized user to your rewards credit card, you can often share valuable perks. Authorized users aren't the main account holder; instead, they're using a credit card that's tied to the main account. Credit history isn't a factor in adding an authorized userFor people who are building or rebuilding credit, getting approved for a premium credit card usually isn't a possibility in the short term. Some banks will even allow you to add an authorized user under 18 to your account — read our guide to adding children as credit card authorized users for all the details. Read our review Read Our Review A looong arrow, pointing rightThe best premium cards for adding authorized users reviewsBest overall: Capital One Venture X Rewards Credit CardCost to add an authorized user: $0 for up to four authorized users.

However, there are several reasons to consider airline co-branded credit cards as well. See Business Insider's list of the best rewards credit cards »Get the latest tips you need to manage your money — delivered to you biweekly. With the right credit card, you can complete all of these requirements via card spending. You want recurring benefits and discounted flightsMany airline credit cards offer some pretty substantial perks to appeal to cardholders beyond the initial sign-up bonus. The Alaska Airlines Visa Signature credit card offers a $121 companion fare ($99 plus taxes and fees) every year.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). Most non-debit cards are credit cards, from the Chase Sapphire Preferred® Card to the Citi® Double Cash Card. Credit cards give you the flexibility to pay your balance in full or carry a balance from month-to-month for an interest charge. Credit cards work just like charge cards at checkout, but their monthly statements won't require payment in full. Charge card vs. credit card: what's better for you?

When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay. The case for credit cards with high annual feesWhy in the world would anyone pay $450 or more to carry a credit card? The Hilton Honors American Express Aspire Card is a hotel credit card that comes with a $450 annual fee, but it's still insanely popular. Specifically, the majority of the most expensive travel credit cards give you airport lounge access, a credit for Global Entry or TSA PreCheck, and some sort of annual travel credit. Paying $450 or more for a travel credit card may make sense for your situation, but paying thousands in credit card card annual fees each year may not.

Best credit cards for bad creditWinnerDiscover it® Secured Credit Card Learn More On Discover's secure site Rewards Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. The Discover it® Secured Credit Card is a well-rounded secured card that offers many of the benefits that are typically found with unsecured cards. If you're looking for a secured card with a low deposit, the Capital One Platinum Secured Credit Card is your best option. The DCU Visa® Platinum Secured Credit Card offers one of the lowest interest rates for a no annual fee secured card at 11.50% variable. Best credit cards for bad credit Best for... Credit card Winner Discover it® Secured Credit Card Best for low deposit Capital One Platinum Secured Credit Card Best for low interest DCU Visa® Platinum Secured Credit Card Best for no credit check OpenSky® Secured Visa® Credit CardOur methodologyTo determine which credit cards offer the best value, CNBC Select analyzed 234 of the most popular credit cards available in the U.S. We compared each card on a range of features, including: annual fee, minimum security deposit, credit limit, rewards program, introductory and standard APR, welcome bonuses and foreign transaction fees, as well as factors such as required credit score and customer reviews when available.

☆ Capital One Spark Miles for Business review: With a substantial welcome bonus offer and flexible options for using your miles, it's hard to beat
▼ + stars: | 2020-01-16 | by ( Holly Johnson | Freelance Writer | Read More | ) www.businessinsider.com time to read: +27 min

Many business credit cards offer cash back, travel rewards, or flexible points you can use in several different ways. With this flat-rate earning structure, with just one (new) bonus category, the Capital One Spark Miles for Business is one of the least-complicated business rewards credit cards available today. Spark Miles for Business cardholder benefitsThe Capital One Spark Miles for Business offers a lot of benefits that can make signing up a rewarding experience. You also get free employee cards, which can be especially useful if you have several employees and want to earn rewards on their business purchases. Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.

☆ How to Activate the Chase Sapphire Reserve Lyft Pink Benefit
▼ + stars: | 2020-01-14 | by ( Jt Genter | The Points Guy | ) www.businessinsider.com time to read: +6 min

When you are ready to use Lyft Pink, add your Chase Sapphire Reserve® as a payment option in the Lyft app, and you'll be given the option to activate. Keep reading to learn how to activate the Lyft Pink benefit on your Chase Sapphire Reserve®. When I go to the Lyft Pink website, Lyft will let me sign up for Lyft Pink using my Chase Sapphire Reserve®. Other benefits of the Lyft/ Sapphire Reserve partnershipWhether or not you activate Lyft Pink right away, the Chase Sapphire Reserve should become your go-to card for Lyft rides. Unlike the Lyft Pink benefit, the new DoorDash benefit doesn't require activation.

One of the most popular rewards cards, the Chase Sapphire Reserve®, is getting new benefits like DoorDash credits and 10x points with Lyft through March 2022. I used to recommend the Chase Sapphire Reserve® to everyone, but in light of these changes I think it's really best for a few different types of users. If the following situations apply to you, the Chase Sapphire Reserve® could be well worth the higher annual fee. The Chase Sapphire Reserve makes sense if:You travel — a lotThe Chase Sapphire Reserve® has been Business Insider's top travel rewards card pick, but the upcoming changes make it harder to recommend to occasional travelers. For everyone else, the Chase Sapphire Preferred is a great pickSure, the Chase Sapphire Preferred® Card can't compete with all the Chase Sapphire Reserve®'s bells and whistles, but if you can't identify with any of the situations above, you probably don't need them.

You still have time to lock in a lower annual fee of $450 for the first year — apply by January 12. First, the bad news: The annual fee is increasing from $450 to $550, which will put it closer to the Platinum Card® from American Express. If you don't have the Chase Sapphire Reserve® yet, you can apply by January 12 to lock in the $450 annual fee for your first year before being transitioned to the $550 fee. According to Chase, Lyft Pink membership is worth $239, and DashPass membership is worth over $100. We'll be diving deeper into the Chase Sapphire Reserve® changes in the coming days, so stay tuned.

Many credit card issuers offer access to presale, preferred seating, and VIP ticket offers. American Express cardsWith most American Express cards, you're eligible to buy presale tickets through the American Express Entertainment program. You look at presales, American Express Seating and American Express Preferred Seating. Notable mention: Chase credit cardsYour Chase card can't technically get you access to presale ticket offers, but Chase credit and debit cardmembers are eligible to take advantage of Chase Preferred Seating at events. And, for select events, Chase may invite everyone who's purchased a Chase Preferred Seat to enjoy a pre-event reception at a Chase Lounge.

The Capital One Spark Cash for Business is no longer available to new applicants; however, Capital One has launched 3 new business cards for small business owners. Of course, finances are a huge consideration and small business credit cards can be a major asset, when used responsibly. Below, Select reviews the benefits of small business credit cards that can add up to increased savings and easier expense management. Receive travel and purchase protectionsSimilar to personal credit cards, business cards provide numerous travel and purchase protections. Don't miss: Best small business credit cardsHow to apply for a business credit card For rates and fees of the Blue Business® Plus Credit Card from American Express, click here.

The Capital One Quicksilver Cash Rewards Credit Card is a great choice for consumers looking for a no-annual-fee credit card that has a generous welcome bonus. Like the Capital One SavorOne Cash Rewards Credit Card mentioned above, the Quicksilver card's bonus provides a 40% return. Best for airline and hotel loyalistsFAQsWhat is a credit card sign-up bonus? A credit card sign-up bonus is an incentive to entice consumers to open a new credit card and make purchases with the card. Our final picks are weighted heavily toward the highest five-year returns since it's generally wise to hold onto a credit card for years.

The offers mentioned below for the for the Aeroplan® Credit Card are no longer available. The Capital One Quicksilver Cash Rewards Credit Card is a great choice for consumers looking for a no-annual-fee credit card that has a generous welcome bonus. Like the Capital One SavorOne Cash Rewards Credit Card mentioned above, the Quicksilver card's bonus provides a 40% return. Best for airline and hotel loyalistsFAQsWhat is a credit card sign-up bonus? A credit card sign-up bonus is an incentive to entice consumers to open a new credit card and make purchases with the card.

☆ American Express Return Protection: A Comprehensive Guide
▼ + stars: | 2019-11-08 | by ( Caroline Lupini | Freelance Reporter | ) www.businessinsider.com time to read: +8 min

AdvertisementIntroduction to American Express Return ProtectionOverview of Return ProtectionBeyond glamorous perks like airport lounge access and annual statement credits, American Express cards offer several valuable benefits that can protect your purchases. AdvertisementEligibility and CoverageEligible CardsReturn protection is available on virtually every Amex card, from the Blue Cash Preferred® Card from American Express to the Amex Platinum Card to the American Express® Green Card . FAQsWhat is American Express Return Protection? Which purchases are covered under American Express Return Protection? How much coverage does American Express Return Protection provide?

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CNBC Select analyzed 29 credit cards that are marketed toward consumers with no or poor credit to determine the best cards for building or rebuilding your credit. If you have average credit and are looking to build up to a good or excellent credit score, it's a good idea to consider a credit card designed for average credit applicants, such as the Capital One Platinum Credit Card. It's generally easier to get approved for secured credit cards or starter credit cards, which are designed especially for those who are beginning to build their credit. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. Our methodologyTo determine which cards offer the best value for building or rebuilding credit, CNBC Select analyzed 29 of the most popular credit cards available for consumers building or rebuilding their credit.

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Secured credit cards are one of your best chances at qualifying for credit. The U.S. Bank Altitude® Go Visa® Secured Card is one of the few travel-focused secured credit cards on the market. If you have average credit and are looking to build up to a good or excellent credit score, it's a good idea to consider a credit card designed for average credit applicants, such as the Capital One Platinum Credit Card. Find the best credit card for you by reviewing offers in our credit card marketplace or get personalized offers via CardMatch™. It's generally easier to get approved for secured credit cards or starter credit cards, which are designed especially for those who are beginning to build their credit.

Singapore Airlines' new suites are more like hotel rooms in the sky than airplane seats. Easily top up your Singapore Airlines KrisFlyer account with points from American Express Membership Rewards, Chase Ultimate Rewards, or Citi ThankYou Rewards. You'll need to join the Singapore Airlines KrisFlyer programFirst things first: If you want to book an award in Singapore Suites (or business class, for that matter), you'll need to redeem Singapore Airlines' own KrisFlyer miles. Searching for Singapore Airlines awardsSearching for awards on Singapore Airlines' own flights is straightforward. Fixed-value flexibilityIf mastering the Singapore Airlines KrisFlyer program feels like too much of an effort, there is one other strategy worth considering.

Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). I'm able to earn so many points and miles by maximizing all my spending with the right credit cards. Fidelity Rewards Visa Signature Credit CardWith airline and hotel rewards programs devaluing their points and miles regularly, incorporating cash back into your rewards strategy is key. I get puzzled looks when I pull out my Radisson Rewards credit card. Why these cards are keepersWhile my credit card rotation does change over the years, most of these cards are long-term keepers.

Figuring out how to get a credit card with bad credit takes a little more thought than simply opening a card when you have good credit or excellent credit. Then, explore your options: Some major card issuers offer cards specifically for building or rebuilding credit, or you can open a secured credit card until your credit is stronger. If you have bad credit, though, it might not be impossible to get a credit card after all — it just might take some extra steps or ingenuity. Apply for a credit card specifically geared towards people with bad creditBefore turning to secured credit cards — more on that below — it's worth looking into some of the regular, unsecured credit cards that offer products to people with bad credit. Try a secured credit cardOne of the easiest ways for someone with bad credit to gain access to a credit card is through a secured credit card like the Discover it Secured, Capital One Secured, or Citi Secured.

You may be specially targeted for a 100,000-point welcome bonus on the Platinum Card® from American Express, which is among the most coveted deals in the travel and credit-card-rewards world (the bonus is available after spending $5,000 in your first three months). One hundred thousand Amex points are subjectively worth $2,000, but the card has a ton of other valuable benefits, too. The Amex Platinum offers aren't always available, but reports indicate that over the past few days, the 100,000-point offers have returned to the tool. If you see the 100,000-point offer, and you're interested in the Platinum Card, you should apply right then. However, the Platinum Card's benefits make it worth keeping indefinitely for anyone who travels, as long as you take advantage of it.

100,000 Amex Membership Rewards points can get you to virtually any destination in the world. According to travel website The Points Guy's valuations, Amex points are worth 2 cents apiece. British Airways, Delta, Alitalia, Air Canada, ANA, Etihad, and JetBlue all give you options to reach Brazil using your Amex points. You can book a flight to London or your hotel nights using American Express points. Amex points are among the most valuable of any credit card today.

Our experts answer readers' personal loan questions and write unbiased product reviews (here's how we assess personal loans). Where secured loans require collateral, unsecured financing methods don't require any collateral at all. Unsecured loans and financial products can come in many different forms, but the underlying premise and agreement is the same. Interest rates tend to be higher on unsecured debts when compared to some types of secured debts. For people with bad credit, secured credit cards may be the only type of card they can qualify for.

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