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Best 5% Cash Back Credit Cards of May 2023Read on to see our picks for the best 5% credit cards and learn which ones best suit your needs. 5% Cash Back Credit Card Frequently Asked Questions (FAQ)Is there a credit card that earns 5% cash back on everything? Compare the Best 5% Cash Back Credit Cards Chase Freedom Flex℠Discover it® Cash BackCiti Custom Cash℠ CardU.S. Bank Cash+® Visa Signature® CardInk Business Cash® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. US Bank Cash Plus Card ReviewBest for Small Business PurchasesInk Business Cash Credit CardIn some respects, the Ink Business Cash® Credit Card crushes others on this list. Chase Ink Business Cash Credit Card ReviewHonorable MentionStore Credit CardsIf you do a high volume of spending with a single retailer, then a store credit card may be your best option.

Best 5% Cash Back Credit Cards of April 2023Read on to see our picks for the best 5% credit cards and learn which ones best suit your needs. 5% Cash Back Credit Cards Frequently Asked Questions (FAQ)Is there a credit card that earns 5% cash back on everything? Compare the Best 5% Cash Back Credit Cards Chase Freedom Flex℠Discover it® Cash BackCiti Custom Cash℠ CardU.S. Bank Cash+® Visa Signature® CardInk Business Cash® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. US Bank Cash Plus card reviewBest for Small Business PurchasesInk Business Cash Credit CardIn some respects, the Ink Business Cash® Credit Card crushes others on this list. The main drawback of the Ink Business Cash® credit card is its limited selection of 5% cash back categories.

☆ A real estate investor who grosses more than $100,000 in monthly rental income explains the kind of account he uses that safeguards his money better than an FDIC-insured account would
▼ + stars: | 2023-03-22 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +4 min

To better protect his cash, an investor bringing in six figures a month uses a "DIF member bank." The Depositors Insurance Fund (DIF) is a private insurance fund that banks can pay for to provide extra insurance to their customers. "The FDIC covers you for the first $250,000, but DIF covers you for anything over that," the real estate investor, who grosses over $100,000 per month from rental income, told Insider. That doesn't mean you have to live in Massachusetts to use a DIF member bank. As the DIF website explains: "Several DIF member banks have branches in neighboring states.

The Ink Business Cash® Credit Card and the Ink Business Unlimited® Credit Card are both great small-business credit cards from Chase, with no annual fee and identical welcome offers. Chase offers a trio of great credit cards for small businesses: the Ink Business Preferred® Credit Card, Ink Business Cash® Credit Card, and the Ink Business Unlimited® Credit Card. Ink Cash vs Ink Unlimited Ink Business Cash® Credit CardInk Business Unlimited® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. As for the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card (which earn cash back in the form of Chase Ultimate Rewards® points), their benefits are quite similar. Comparison of Ink Business Cash and Ink Business UnlimitedThe Chase Ink Cash and Ink Unlimited have many similaritiesIntro APR offerBoth cards currently come with a 0% intro APR on purchases for the first 12 months (then a 17.74% - 23.74% Variable).

☆ 3 ways to easily check if your bank account is FDIC insured
▼ + stars: | 2023-03-14 | by ( Jason Stauffer | Elizabeth Gravier | ) www.cnbc.com time to read: +7 min

Nearly all banks are insured by the FDIC, which protects your deposits up to $250,000 (per person, bank, and account type). CNBC Select explains how to check if your bank is an FDIC member, as well as what you need to know about the types of bank accounts the FDIC protects. 3 ways to check if your bank is FDIC insuredThe FDIC makes it easy to check if your bank is insured. Check online You can easily discover if your bank is FDIC insured using the BankFind Suite tool. Marcus by Goldman Sachs High Yield Online Savings Learn More Goldman Sachs Bank USA is a Member FDIC.

☆ Is the money in your bank account safe? Here's what to know if you're worried about your deposits
▼ + stars: | 2023-03-13 | by ( Jason Stauffer | Elizabeth Gravier | ) www.cnbc.com time to read: +5 min

But a checking account and savings account won't necessarily be in different categories. However, if you had a joint savings account, then the savings account balance would fall under a different category. As you're shopping around for a deposit account, you can find out if a bank is insured with the FDIC's BankFind tool. It's also a good idea to open checking accounts or savings accounts with no monthly maintenance fees and the highest interest rate you can find. Below are a few of the best deposit accounts with FDIC insurance, according to CNBC Select's rankings:Ally Interest Checking Account Learn More Ally Bank is a Member FDIC.

Pay down your credit card balancesIf you already have credit card debt, paying it off should become a priority. With credit card interest rates continuing to reach new heights, you don't want to get stuck with credit card debt if a recession hits. The credit utilization ratio, or how much of your available credit you're using, is the second most important credit factor after payment history. For that reason, it's best to get rid of credit card debt as soon as possible. You might also want to consider a 0% APR credit card (like the ones below) if you're anticipating big expenses.

☆ Biden wants to kill junk fees — here's what could change and how you can minimize fees right now
▼ + stars: | 2023-03-08 | by ( Jason Stauffer | Elizabeth Gravier | ) www.cnbc.com time to read: +9 min

But you don't have to wait for the government to take action to reduce your exposure to junk fees. Comparison shop (as well as you can) Ferreting out junk fees can be tricky and different products and services have their own red flags. The CFPB wants to limit credit card late fees and the Biden Administration is pushing for Congress to pass the Junk Fee Prevention Act, which addresses four types of junk fees. Credit card late fees The CFPB has proposed a new rule to limit credit card late fees to $8. While it doesn't come with a welcome bonus or a 0% intro APR period, it also doesn't charge any fees — including late fees.

☆ 2 no annual fee Chase Ink Business credit cards bonuses (worth potentially $1,800 in travel) are ending in a couple weeks
▼ + stars: | 2023-03-06 | by ( Tessa Campbell | Personal Finance Reviews Fellow | Read More | ) www.businessinsider.com time to read: +21 min

Despite being framed as cash-back credit cards, the Ink Business Unlimited® Credit Card and the Ink Business Cash® Credit Card actually earn valuable Chase Ultimate Rewards points. Otherwise, if you've previously contemplated opening the Ink Business Unlimited® Credit Card or Ink Business Cash® Credit Card, you need some urgency in your application plans. Compare Chase Ink Business credit cards Ink Business Unlimited® Credit CardInk Business Cash® Credit CardInk Business Preferred® Credit Card Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Chase Ink Cash vs Ink Unlimited: Side-by-side comparisonIf you're having trouble deciding between the Chase Ink cards, be sure to check out our comparison of the Chase Ink Business Cash and Ink Business Unlimited for a closer look at each card's features and benefits. However, Chase cards, including the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card, fall under what's commonly known as the Chase 5/24 rule.

Below, CNBC Select breaks down what you need to know if choosing between high-yield savings accounts, CDs and treasury bills. High-yield savings accounts let you earn a higher interest rate on your balance compared to what you'd earn through traditional savings accounts. The Marcus by Goldman Sachs High Yield Online Savings Account is one savings account option that doesn't charge any excessive withdrawal fees. Like high-yield savings accounts, certificate of deposit accounts (CDs) allow you to deposit money into an account to earn interest on your balance. How to choose between a high-yield savings account, a CD and treasury billsUltimately, deciding between a high-yield savings account, a CD and treasury bills will come down to what the money will be used for.

High-yield savings accounts reward you with higher interest rates than traditional savings accounts and allow your money to grow faster thanks to compound interest — which lets you earn interest on interest. While rates can fluctuate over time, high-yield savings accounts generally offer APYs over 10 times greater than the national average on savings accounts. To determine which high-yield savings accounts are the best overall, CNBC Select analyzed and compared dozens of savings accounts offered by online and brick-and-mortar banks, including large credit unions. (See our methodology for more information on how we choose the best high-yield savings accounts.) Our methodologyTo determine which high-yield savings accounts offer the best return on your money, CNBC Select analyzed dozens of U.S. savings accounts offered by online and brick-and-mortar banks, including large credit unions.

Homeowners typically make their normal monthly mortgage payments and expect to pay off their homes over 30 years. One of the best mortgage lenders for refinancing is Rocket Mortgage due to its flexible loan repayment terms, fast approval process and lower credit score requirements. There are three primary methods for making extra payments – pay extra each month, make a lump sum payment or switch to bi-weekly payments. The first two methods require you to pay extra manually, but this one locks you into a quicker mortgage payoff. These strategies help borrowers pay off their homes faster and reduce the interest they'll pay.

Pros Check mark icon A check mark. Pros Check mark icon A check mark. No minimum opening deposit Check mark icon A check mark. Eligible for new accounts after your child turns 13 Check mark icon A check mark. But if you'd like to open a savings account for your child, it only lets you open one of the bank's regular savings accounts as a joint bank account.

While rates can fluctuate over time, high-yield savings accounts generally offer APYs over 10 times greater than the national average on savings accounts. To determine which high-yield savings accounts are the best overall, CNBC Select analyzed and compared dozens of savings accounts offered by online and brick-and-mortar banks, including large credit unions. (See our methodology for more information on how we choose the best high-yield savings accounts.) Find the best savings account for you: Help your money grow by finding the savings account that offers the best rates and features for you. Our methodologyTo determine which high-yield savings accounts offer the best return on your money, CNBC Select analyzed dozens of U.S. savings accounts offered by online and brick-and-mortar banks, including large credit unions.

☆ Don't forget to take advantage of these 4 'free money' benefits, says financial expert
▼ + stars: | 2023-02-27 | by ( Elizabeth Gravier | Jason Stauffer | ) www.cnbc.com time to read: +10 min

Maximize your credit card rewards Credit card rewards programs let you earn cash-back (or other perks) on money you were going to spend anyway. For example, with a cash rewards credit card like the Wells Fargo Active Cash® Card, you can earn 2% cash rewards on all eligible purchases with no annual fee. Transfer your cash to a high-yield savings account In this rising-rate environment, now is the time to open a high-yield savings account and earn more interest than you would in a traditional savings account. You're essentially collecting "free" money by parking your cash in a savings account — especially one with an above-average APY. Bask Bank Interest Savings Account Learn More Bask Bank and BankDirect are divisions of Texas Capital Bank, Member FDIC.

Below, you'll find our top picks for the best banks for avoiding ATM fees. The best banks for avoiding bank ATM fees have free regional or national ATM networks, so you won't be charged for using an ATM. The Best Banks for Avoiding ATM FeesLendingClub Bank: Best online bank for avoiding domestic ATM feesConnexus Credit Union: Best credit union for avoiding domestic ATM feesChase: Best national bank for avoiding domestic ATM feesCharles Schwab: Best institution for avoiding international ATM feesTD Bank: Best regional bank for avoiding domestic ATM feesBetterment: Best online banking platform for avoiding domestic ATM feesWe've included brick-and-mortar banks, online banks, credit unions, and online banking platforms, so you can choose from a variety of options. Unlimited refunds on out-of-network ATM fees Check mark icon A check mark. You could also refer to the schedules of fees document to review ATM fees and ATM withdrawal limits."

Best interest rates for savings accountsUFB Preferred Savings 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.55% (as of 02/22/2023) Minimum Deposit Amount $0 View Full Details Learn moreUFB Preferred Savings 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.55% (as of 02/22/2023) Minimum Deposit Amount $0 View Full Details Learn more on UFB's site. Best interest rates for CDsCFG Bank CD 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.50% to 5.15% Minimum Deposit Amount $500 View Full Details Learn moreCFG Bank CD 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.50% to 5.15% Minimum Deposit Amount $500 View Full Details Learn more On CFG's website. Alliant Certificate 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.25% to 5.00% Minimum Deposit Amount $1,000 View Full Details Learn moreAlliant Certificate 4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4 out of 5 Stars Annual Percentage Yield (APY) 4.25% to 5.00% Minimum Deposit Amount $1,000 View Full Details Learn more Alliant Credit Union, NCUA insured. Primis Premium Checking 4.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 4.35% Minimum Deposit Amount $1 Fees no monthly service fees View Full Details Learn morePrimis Premium Checking 4.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 4.35% Minimum Deposit Amount $1 Fees no monthly service fees View Full Details Learn more Primis Bank, FDIC Insured. Capital One 360 Performance Savings 4.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 3.40% (as of 02/02/23) Minimum Deposit Amount $0 View Full Details Learn moreCapital One 360 Performance Savings 4.5 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.5 out of 5 Stars Annual Percentage Yield (APY) 3.40% (as of 02/02/23) Minimum Deposit Amount $0 View Full Details Learn more On Capital One's site.

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Our experts answer readers' personal loan questions and write unbiased product reviews (here's how we assess personal loans). As Marcus is no longer accepting new loan applications as a result of its decision to shutter its personal loan business, Marcus is best for existing customers who already have a loan with the company. Marcus Personal Loan DetailsMarcus personal loan amounts range from $3,500 to $40,000 and can be repaid over three to six years, depending on the agreement you strike with the lender. Currently, Marcus is accepting personal loan applications by invitation only, so it is significantly harder to get a Marcus personal loan than in the past. How Marcus Personal Loans Compare Side-by-side snapshot Marcus Personal LoanSoFi Personal LoanLightStream Personal Loan Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Pros Check mark icon A check mark. Check writing included Check mark icon A check mark. Pros Check mark icon A check mark. Pros Check mark icon A check mark. High APY Check mark icon A check mark.

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☆ 8 reasons why you need an EIN for your business and how to apply for one
▼ + stars: | 2023-02-22 | by ( Lee Huffman | Elizabeth Gravier | ) www.cnbc.com time to read: +11 min

Below, CNBC Select explains how to apply for an EIN for your business and eight reasons why you need one. An Employer Identification Number (EIN) is a federal identification number for your business. These are a few of the most common reasons why you need to apply for an EIN. You cannot open a business bank account for most forms of business without an EIN.. You cannot open a business bank account for most forms of business without an EIN. Best small business resourcesOnce you have your EIN, it will be easier to separate personal and business expenses and take advantage of various small business resources, such as business credit cards, business checking accounts, business savings accounts, business loans and business expense trackers.

Pros Check mark icon A check mark. Pros Check mark icon A check mark. High interest rate Check mark icon A check mark. Pros Check mark icon A check mark. High APY Check mark icon A check mark.

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Pros Check mark icon A check mark. High APY Check mark icon A check mark. No monthly service fee Check mark icon A check mark. Virtual debit card, physical debit card, and access to Apple Pay, Google Pay, Samsung Pay Check mark icon A check mark. Pros Check mark icon A check mark.

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