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More Information 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. Read our review Read Our Review A looong arrow, pointing rightReview: Is the Citi Diamond Preferred the best credit card for you? Citi Diamond Preferred credit card — Frequently Asked Questions (FAQ)How do you transfer a balance to the Citi Diamond Preferred? Transferring a balance is easy to do online through the "Balance Transfers" section under the "Payments and Transfers" menu in your Citi account. The Citi® Diamond Preferred® Card is a great card if you're looking to consolidate high-interest debt by taking advantage of a long intro balance transfer offer.

☆ Citi Diamond Preferred card review: Earn a $150 welcome bonus for a limited time and get an extra-long introductory 0% APR on purchases and balance transfers
▼ + stars: | 2022-04-07 | by ( Holly Johnson | Freelance Writer | Read More | ) www.businessinsider.com time to read: +20 min

Very long intro APR period for balance transfers Check mark icon A check mark. More Information 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. Very long intro APR period for balance transfers Check mark icon A check mark. Transferring a balance is easy to do online through the "Balance Transfers" section under the "Payments and Transfers" menu in your Citi account. The Citi® Diamond Preferred® Card is a great card if you're looking to consolidate high-interest debt by taking advantage of a long intro balance transfer offer.

☆ Delta SkyMiles Platinum American Express credit card review
▼ + stars: | 2022-03-14 | by ( Holly Johnson | ) edition.cnn.com time to read: +14 min

Digging into the Delta Platinum cardThe Delta Platinum Amex credit card isn’t for casual Delta flyers, as it charges a $250 annual fee. Advantages of the Delta Platinum cardYou can use the Delta Platinum Amex's Status Boost feature to earn Delta elite status just by spending money on the card. And it’s a feature that’s not available on less-expensive Delta credit cards, including the Delta SkyMiles® Gold American Express Card. Stacking up the Delta Platinum card against our benchmarkCNN Underscored uses the Citi® Double Cash Card as our “benchmark” credit card. Other credit cards similar to the Delta Platinum Amex cardIf you want to earn Delta SkyMiles, there are several different Delta credit cards to consider.

☆ Best life insurance policies for seniors in 2023
▼ + stars: | 2022-03-11 | by ( Holly Johnson | ) edition.cnn.com time to read: +7 min

Term life insurance for seniorsWhile some types of life insurance are permanent, term life insurance for seniors lasts only for a specific term or time frame, usually 10 to 30 years. Keep in mind that term life insurance for seniors typically requires a medical exam, although the coverage amounts you can qualify for with term policies can be higher than no exam life insurance alternatives. Whole life insurance for seniorsSeniors can get guaranteed issue whole life insurance policies, but it'll cost more and coverage will be lower. No exam life insuranceNo exam life insurance for seniors is the same as guaranteed issue coverage. iStockGuaranteed universal life insurance is a popular option for older people whose existing term life insurance policies have expired or are about to expire.

☆ U.S. Bank Visa Platinum credit card review
▼ + stars: | 2022-03-02 | by ( Holly Johnson | ) edition.cnn.com time to read: +11 min

Digging into the U.S. Bank Visa Platinum cardWhile it’s usually not advisable to carry a balance on a credit card, the U.S. Bank Visa Platinum card is an exception. Stop paying interest on your credit card debt with the U.S. Bank Visa Platinum card. Advantages of the U.S. Bank Visa Platinum cardThe biggest upside of the U.S. Bank Visa Platinum card is its purchase and balance transfer offers. Disadvantages of the U.S. Bank Visa Platinum cardThere are several downsides of the U.S. Bank Visa Platinum card, but the biggest by far is the fact that it doesn’t earn any rewards — at all. Stacking up the U.S. Bank Visa Platinum Card against our benchmarkCNN Underscored uses the Citi® Double Cash Card as our “benchmark” credit card.

Persons: It’s, you’ve, You’ll, Cash, you’d Organizations: CNN, American Express, Bank, Cell, U.S . Bank, U.S . Bank Visa, Card, Citi, Cash Card U.S, Citi Premier ℠, Citi Prestige, Cash, Chase

☆ Best credit cards for bad credit in February 2023
▼ + stars: | 2022-02-11 | by ( Holly Johnson | ) edition.cnn.com time to read: +11 min

Click here to see the latest list of the best credit cards for people with bad credit scores. Best secured credit cards for bad creditIf you have poor credit, there are two different types of credit cards you can qualify for — secured credit cards and unsecured credit cards. Best unsecured credit cards for bad creditIn addition to secured credit cards, you may also be able to qualify for an unsecured credit card with bad credit. Use a new credit card to improve your credit scoreIf you use a new credit card wisely, you can improve your poor credit. Learn more and apply now for the best credit cards you can get with a bad credit score.

☆ Citi AAdvantage MileUp Card review: Earn American Airlines miles and Loyalty Points on your everyday spending without an annual fee
▼ + stars: | 2022-02-09 | by ( Holly Johnson | Jasmin Baron | Freelance Writer | ) www.businessinsider.com time to read: +26 min

Earn American Airlines AAdvantage miles with no annual fee Check mark icon A check mark. Along with earning Loyalty Points from flying and partner spending, you can earn 1 Loyalty Point per dollar spent on co-branded American Airlines cards, including the American Airlines AAdvantage MileUp℠ Mastercard. Cardholders earn:2 miles per dollar on eligible American Airlines purchases (including AA.com, American Airlines reservations, American Airlines Admirals Club, American Airlines Vacations, and American Airlines airport and city ticket counters)2 miles per dollar at grocery stores (supermarkets, freezer/meat locker provisioners, dairy product stores, miscellaneous food /convenience stores, markets, specialty vendors, and bakeries)1 mile per dollar on all other eligible purchasesHow to use American Airlines milesThe good news about American Airlines miles is that, for the most part, they're easy to use. The discount is valid on American Airlines flights, plus American Airlines-marketed flights on Envoy Air, Republic Airways, SkyWest Airlines, Mesa Airlines, PSA Airlines, and Piedmont Airlines. Earn American Airlines AAdvantage miles with no annual fee Check mark icon A check mark.

Crystal Cox/Business InsiderIf you have a stash of credit card rewards, you can use them to save money on holiday shopping. But is it better to use your credit card rewards now, or save them for travel down the line? Should you use credit card rewards to save money on holiday spending? Note that credit card lenders may use many different variations of credit score models when considering your application. You can also redeem Chase Ultimate Rewards®, American Express Membership Rewards points, and Citi ThankYou Rewards points for gift cards, so make sure to check all of your options.

But I wiped out my emergency savings years ago and have no regrets. I did that for quite a while, but I depleted my emergency fund a few years ago and have never, ever looked back. My savings account is earning 0.40% APYI opened a CIT Bank account specifically for my emergency fund several years ago, mostly because the interest rate was over 2% at the time. By and large, this is the main reason I depleted our emergency fund. We have multiple income streamsFinally, emergency funds are sold as a backstop you can lean on if you lose your job.

Persons: it's Organizations: Finance, Service, Bank, Vanguard, CIT Bank, Market Index Locations: Wall, Silicon

☆ Citi Double Cash vs. Citi Custom Cash credit card
▼ + stars: | 2021-08-17 | by ( Holly Johnson | ) edition.cnn.com time to read: +13 min

Yet, the recent launch of the Citi Custom Cash℠ Card has made many cash back enthusiasts wonder if they should skip the Citi Double Cash and try something new. Citi Double Cash vs. Citi Custom Cash comparisonFirst, let’s take a look at all the key details of these two cards side by side. Get the Citi Double Cash Card — CNN Underscored’s benchmark credit card. And currently, there’s a stark difference between the Citi Double Cash and the Citi Custom Cash on this front. Both the Citi Double Cash and the Citi Custom Cash can help you save money on interest.

If you want to earn cash back with minimal effort and no annual fee, the Quicksilver Cash Rewards Card is a good option. Read our review Read Our Review A looong arrow, pointing rightReview: Is the Capital One Quicksilver the best cash-back credit card for you? 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. Unlike some other cash-back credit cards, there's no minimum redemption amount with the Capital One Quicksilver Cash Rewards Credit Card. Concierge serviceCapital One Quicksilver Cash Rewards Credit Card cardholders can access a concierge service 24 hours a day to help with things like dining reservations, event tickets, and travel bookings.

☆ Best credit cards for excellent credit in 2023
▼ + stars: | 2021-08-05 | by ( Holly Johnson | ) edition.cnn.com time to read: +14 min

Just keep in mind that there are many types of credit scores, and free credit monitoring services may not show you a true FICO credit score, which is the credit score that’s most widely used by lenders. Click here to see the latest list of the best credit cards for people with excellent credit scores. Watch out for these credit pitfallsJust because you can get a lot of great credit cards with excellent credit doesn't mean you should. Maintaining excellent credit with a credit cardTo maintain your excellent credit in 2023, you’ll want to keep doing exactly what you’ve done so far to get your credit score to the level it is now. Learn more about the best credit cards you can get with an excellent credit score.

☆ The Citi Custom Cash Card offers 5% cash back
▼ + stars: | 2021-06-11 | by ( Holly Johnson | ) edition.cnn.com time to read: +9 min

People who love earning cash back with their credit card will love the Citi Custom Cash℠ Card. How the Citi Custom Cash Card worksAt first glance, the Citi Custom Cash Card looks similar to other cash back cards that earn 5% back in quarterly bonus categories, such as the Chase Freedom Flex or the Discover it® Cash Back. With the Citi Custom Cash Card, card holders earn 5% cash back on up to $500 spent in their top eligible category each billing cycle (then 1% back). The Citi Custom Cash Card is a great complement to an everyday credit card such as the Citi Double Cash Card. CitiSince this is a card that has no annual fee, the Citi Custom Cash Card can work for almost anyone.

☆ Best credit cards for good credit in 2023
▼ + stars: | 2021-05-20 | by ( Holly Johnson | ) edition.cnn.com time to read: +13 min

Click here to see the latest list of the best credit cards for people with good credit scores. For example, many credit cards offer a free credit score, but you can also sign up for credit monitoring services that keep track of your credit score on your behalf. If you already have a lot of credit card debt, then a new credit card may be the last thing you need. Pitfalls to watch out forThe best credit cards for good credit can be useful, lucrative and worth pursuing. Learn more about the best credit cards you can get with a good credit score.

Financial advisors say you don't need a lot of big wins along the way to build wealth over time. Colorado financial advisor Matthew Jackson of Solid Wealth Advisors says this is due to the fact that markets have a history of going nowhere but up over time. Orange County, California, financial advisor Christopher Struckhoff of Lionheart Capital Management says people in general are not great at timing the market because it ultimately involves predicting the future. AdvertisementTo win at market timing, you have to buy and sell your investments at the perfect moment. Not only that, but how much of your returns are you keeping after you pay taxes (assuming you're investing in a taxable brokerage account)?

Persons: —, Matthew Jackson, Black, Jackson, Christopher Clepp, Christopher Struckhoff, Struckhoff, Tony Liddle, Prosper, it's, Liddle, Loren Sherman, Jeff Rose, Anthony Montenegro Organizations: Studies, Service, Dow Jones, Solid Wealth Advisors, Strategic Financial Group, Inc, Fidelity Investments, Lionheart Capital Management, Prosper Wealth Management, Dow, Integrity Wealth Management, milli, American Enterprise Institute, AEI Locations: Colorado, Chicago, YOLO, Orange County , California, Montenegro

☆ Hilton Honors American Express credit card review
▼ + stars: | 2021-05-11 | by ( Holly Johnson | ) edition.cnn.com time to read: +13 min

Digging into the Hilton Honors American Express CardThe Hilton Honors program lets you redeem points for hotel stays at more than 5,000 properties around the world. Stacking up the Hilton Amex Card against our benchmarkCNN Underscored uses the Citi Double Cash Card as our “benchmark” credit card. Other credit cards similar to the Hilton Honors American Express CardIf you’re looking to earn Hilton points, there are two other personal Hilton credit cards to consider. Grab the welcome bonus on the Hilton Honors American Express card to use at properties like the Hilton San Diego Airport/Harbor Island. But don’t forget that the current welcome offer is only available to new card members on the Hilton Honors American Express Card.

Chase Ultimate Rewards and American Express Membership Rewards are the most popular credit card points programs. The Platinum Card and Chase Sapphire Preferred earn points in two different programs — American Express Membership Rewards and Chase Ultimate Rewards, respectively. An overview of American Express Membership RewardsThis brings us to the American Express Membership Rewards program, which is similar to the Chase Ultimate Rewards with a few key differences. The American Express Membership Rewards program includes the following transfer partners:Amex Membership Rewards transfer partners Aer Lingus: 1,000 points = 1,000 milesAeromexico: 1,000 points = 1,600 milesAir Canada: 1,000 points = 1,000 milesAir France-KLM Flying Blue: 1,000 points = 1,000 milesAlitalia: 1,000 points = 1,000 milesANA Mileage Club: 1,000 points = 1,000 milesAsia Miles: 1,000 points = 1,000 milesAvianca: 1,000 points = 1,000 milesBritish Airways: 1,000 points = 1,000 milesDelta SkyMiles: 1,000 points = 1,000 milesEl Al Israel: 1,000 points = 20 milesEmirates: 1,000 points = 1,000 milesEtihad Airways: 1,000 points = 1,000 milesHawaiian Airlines: 1,000 points = 1,000 milesIberia: 1,000 points = 1,000 milesJetBlue: 250 points = 200 milesQantas: 500 points = 500 milesSingapore Airlines: 1,000 points = 1,000 milesVirgin Atlantic: 1,000 points = 1,000 milesChoice Privileges: 1,000 points = 1,000 hotel pointsHilton Honors: 1,000 points = 2,000 hotel pointsMarriott Bonvoy: 1,000 points = 1,000 hotel pointsLike the Chase Ultimate Rewards program, American Express Membership Rewards offers the most bang for your buck when you transfer points to airline and hotel partners. American Express Membership Rewards points are worth, on average, 1.8 cents each according to Insider's points and miles valuations.

☆ Hilton Honors Amex Business Credit Card review
▼ + stars: | 2021-03-26 | by ( Holly Johnson | ) edition.cnn.com time to read: +13 min

Digging into the Hilton Honors Amex Business CardWhile Hilton offers several credit cards, the Hilton Honors American Express Business Card is the only option for small business owners and entrepreneurs. However, many Hilton fans opt to have both the Hilton Amex Business card and also a personal Hilton credit card in order to earn rewards on both their personal and business expenses. Stacking up the Hilton Amex Business card against our benchmarkCNN Underscored uses the Citi® Double Cash Card as our “benchmark” credit card. Other credit cards similar to the Hilton Amex Business CardIf you want to earn Hilton Honors points but you don’t necessarily want or need a business credit card, you should look at Hilton credit cards for consumers. Business owners who frequent properties like the Hilton Greenville in South Carolina should consider the Hilton Amex Business card.

☆ Hilton Honors Surpass Amex credit card review
▼ + stars: | 2021-03-16 | by ( Holly Johnson | ) edition.cnn.com time to read: +14 min

Digging into the Hilton Amex Surpass cardIf you want a Hilton credit card with elite benefits but don’t want to pay hundreds of dollars in annual fees, the Hilton Honors American Express Surpass Card is a thoughtful middle-ground alternative. Finally, the Hilton Amex Surpass Card gives you a path to Hilton Diamond status, which is the highest tier of elite status the program offers. Advantages of the Hilton Amex Surpass cardThe Hilton Amex Surpass card comes with Gold elite status and some generous earning rates. Stacking up the Hilton Amex Surpass against our benchmarkCNN Underscored uses the Citi® Double Cash Card as our “benchmark” credit card. Meanwhile, the Hilton Honors American Express Aspire Card is the luxury travel credit card offered by Hilton.

☆ 8 ways to use American Express Membership Rewards points if you're not traveling, from saving money on shopping to ordering food delivery
▼ + stars: | 2020-12-16 | by ( Holly Johnson | Jasmin Baron | Freelance Writer | ) www.businessinsider.com time to read: +23 min

It's easy to earn Amex Membership Rewards points right now with big welcome offers from The Platinum Card® from American Express and American Express® Gold Card. For example, you can use your Amex Membership Rewards points for food delivery or merchandise in some cases, and even use them to purchase holiday gifts. How to use Amex Membership Rewards points if you're not travelingIf you're sitting on a stash of rewards but aren't traveling soon, you don't have to worry about your points expiring. Donate Amex points to charityAmerican Express Membership Rewards also lets cardholders donate points to charity through an organization called Just Giving. How to earn American Express Membership Rewards pointsThere are numerous American Express personal and small-business cards that earn Membership Rewards points.

Persons: Uber, Wiley, Julie Mehretu, Peacock, Uber Cash, you'll, Cardholders, You'll, you've, REI Nordstrom, It's, — Organizations: Business, American Express, Read, American, Service, Express, Hilton, Marriott, Saks, Entertainment, Disney, ESPN, The New York Times, Street, Walmart, TSA, Global, Saks Fifth, Shipping, Staples, Home Depot Walmart, Sony, Amex, U.S, Milk Bar Locations: Wall, Silicon, Hulu, Boxed.com, Dell.com, York City, U.S

Getty ImagesChase recently announced a new credit card, the Chase Freedom Flex℠ , to replace its original Chase Freedom® card. If you have the Chase Freedom®, you can call or message Chase to upgrade to the Chase Freedom Flex℠ — and there's really no reason not to. This card replaces the Chase Freedom as an option for new cardholders, although existing Chase Freedom customers can keep their old card. The new Chase Freedom Flex also comes with a few other benefits the old Chase Freedom card didn't have. If you apply and you're denied, you can always call Chase and ask to upgrade your existing Chase Freedom card instead.

Understand how your credit score affects interest ratesGenerally, a credit score is the most important factor in deciding what interest rate a lender will offer you. Get your most recent credit scoreIt's one thing to suspect you have bad credit, and another to know exactly how bad it is. Consider a credit unionCredit unions are a great option for those looking to get a loan with bad credit. Your credit report spells out everything being counted in your credit — every loan, every credit card, every debt. Try and boost your credit scoreYour credit score is calculated, approximately, with the following five factors:payment history (35%)current debt balances (30%)length of credit history (15%)new credit (10%)credit mix (10%)Some of those factors are difficult to change, like the length of your credit history.

There are upsides to both the Amex Gold and Amex Green cards. The American Express® Gold Card is also worth considering if the Amex Green Card caught your eye. Still, the fact that the updated Amex Green card is new on the scene doesn't necessarily make it the best. Read more: Amex Gold card review »LoungeBuddy credits with the Amex Green cardThe Amex Green Card also gives you up to $100 in LoungeBuddy credits each year. Read more: Amex Green card review »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.

If you don't have a good credit score, you may want to get a secured credit card. Services like Credit Karma and Credit Sesame both let you get a peek at your credit score for free, then watch it for changes as you make moves to improve your credit score over time. Some credit cards, including many Discover credit cards, give you a free FICO credit score on your credit card statement each month. Consider a secured credit cardIf you're worried about being approved for a credit card right now because your credit score isn't in the best shape, you can also consider a secured credit card. Once you use a secured credit card and make on-time monthly payments for a stretch of time, you can close your secured credit card account, get your deposit back, and move up to a new credit card with better perks and rewards.

If you have a cash-back card like the Citi® Double Cash Card or even an Amex card, for example, you could cash in rewards for statement credits to reduce your bill. After all, the average credit card APR is well over 16%, and many of the top rewards cards and travel credit cards charge significantly higher rates than that. That said, it is possible that your credit card could help you if you're stuck dealing with the financial fallout from the coronavirus. However, you could use a 0% APR credit card to keep up with some of your bills without interest for a limited time. Redeem rewards for Amazon.com purchasesIf you have the Capital One Savor Cash Rewards Credit Card , a Chase Ultimate Rewards credit card, an Amex Membership Rewards card, one of the Amazon credit cards, or any other credit card that lets you cash in points for Amazon.com purchases, that's another route to pursue.

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