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An increasing number of people have a very good or excellent credit score, with over half of consumers possessing a FICO credit score over 700. Credit scores, on the whole, have risen for decades, partly due to the abundant access to educational resources. According to "Credit Scores Uncovered: Consumer Relationships with their Scores," Gen Z lags behind other generations significantly when it comes to credit education. 29% of Gen Z consumers said they either don't have a credit score or don't know if they have one, compared to 8% of baby boomers who said the same. Just 45% of Gen Z consumers said they completely understand credit scores, compared to 66% of baby boomers. Many Gen Z consumers only recently turned 18, old enough to apply for credit products on their own, so they have had less time to learn about credit products and credit scores.

Review: Is the IHG Premier card the best credit card for you? The IHG® Rewards Premier Credit Card offers tremendous value, making it one of the best credit cards for hotel stays. The IHG® Rewards Premier Credit Card delivers on that front and offers plenty of options for redeeming those rewards. IHG Premier card benefits and featuresThe IHG® Rewards Premier Credit Card offers lots of impressive benefits — in fact, for an annual fee of $99, it's hard to beat the range and value of perks you'll receive as a cardholder. IHG elite statusThe IHG® Rewards Premier Credit Card comes with automatic IHG Platinum elite status — one of the chain's middle elite tiers.

Here's how the Capital One Venture Rewards Credit Card stacks up against the Capital One Venture X. Capital One Venture Rewards Credit Card vs. Capital One Venture X Rewards Credit CardCapital One Venture Rewards Credit Card Learn More Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. Capital One Venture X Rewards Credit Card Learn More Information about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. Annual feeThe Capital One Venture Rewards Credit Card has a $95 annual fee while the Capital One Venture X comes in at $395. Capital One Venture Rewards vs. Capital One Venture X Benefits Capital One Venture Rewards Capital One Venture X Annual Fee $95 $395 Rewards 2X miles on every purchase, 5X miles on hotels and rental cars booked through Capital One Travel, and 5X miles on Turo bookings through May 16, 2023.

You can also get a rewards credit card to get cash back or travel miles on everything you buy. Capital One Venture Rewards Credit Card Learn More Information about the Capital One Venture Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. The Capital One Venture X Rewards Credit Card is one of the more affordable cards in this category. Capital One Venture X Rewards Credit Card Learn More Information about the Capital One Venture X Rewards Credit Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. There are many types of coverage you can get with credit card travel insurance.

What are credit card and bank rewards points worth? One great feature of the program is that all points are equal, so any account that earns Membership Rewards points has access to transfer partners. If you're a Bank of America Preferred Rewards customer, you'll earn 25% to 75% more points, depending on how much you have on deposit, but your rewards points are still worth 1 cent apiece. You can transfer points from Chase Ultimate Rewards, Amex Membership Rewards, and Citi ThankYou to JetBlue, but the ratio varies depending on the rewards program. However, those miles expire after 36 months regardless of your account activity, so only transfer miles when you have immediate plans to redeem them.

Other cards offering increased welcome bonuses are the United Quest℠ Card, United℠ Explorer Card, and United Gateway℠ Card. For a limited time, four United credit cards are offering elevated welcome bonuses, worth up to 100,000 miles. Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases. Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.

How to earn Alaska Airlines milesThere are two types of Alaska miles: Elite-qualifying miles and redeemable miles. Earn Alaska miles for car rentalsYou can opt-in to earn Alaska miles when you rent cars through Alamo, Avis, Budget, Dollar, Hertz, National, or Thrifty. Redeem Alaska miles for domestic flightsOne of the most popular ways to redeem Alaska miles is for domestic award flights on Alaska and its partner American Airlines. Redeem Alaska miles for flights on partner airlinesUsing Alaska Airlines miles for award flights on partner airlines is perhaps the best way to use your Alaska miles. Donate Alaska Airlines miles to charityYou can donate your Alaska miles to over a dozen different charities, in 1,000-mile increments, and with no maximums or fees.

Patrick Foto/Getty ImagesAdding a child to your credit card as an authorized user can help them establish a credit history. Minimum age for credit card authorized usersThe major credit card issuers allow you to add minors as authorized users, but several have minimum age limits. Benefits of adding a child as an authorized userAlong with potentially giving your child a head start on building credit, adding them as a credit card authorized user has other benefits. Credit cards can teach financial responsibilityHaving an authorized user credit card can help show young adults how to use credit responsibly. Having a credit card in their own name can be handy, especially in cases where a merchant won't take a parent's credit card number over the phone.

Airline credit cards tout many flashy perks in order to entice new customers and maintain existing ones. However, one of the most underrated airline credit card benefits might just be a companion ticket. First, only a handful of airline credit cards actually offer them, which means consumers might not even be aware they exist. Let's look at the best credit card companion certificates by airline. What to know about airline credit card companion certificatesCompanion tickets offered by airline credit cards are amazing benefits that can save you hundreds or even thousands of dollars each year — if you know how to maximize them.

Review: Is the Marriott Bonvoy Bevy American Express card the best credit card for you? With the launch of the Marriott Bonvoy Bevy™ American Express® Card (and its new sibling card, the Marriott Bonvoy Bountiful™ Card ), there are now a whopping six Marriott credit cards available to new applicants. The Marriott Bonvoy Bevy™ American Express® Card, with a $250 annual fee, is positioned as a mid-tier card between the popular Marriott Bonvoy Boundless® Credit Card ($95 annual fee) and premium Marriott Bonvoy Brilliant® American Express® Card ($650 annual fee). On other Marriott Bonvoy cards, like the Marriott Bonvoy Boundless® Credit Card, the free anniversary night certificate is one of the best perks, so its absence on the Marriott Bonvoy Bevy™ American Express® Card really sticks out. If have or have had The Ritz-Carlton® Credit Card from JPMorgan, J.P. Morgan Ritz-Carlton Rewards® Credit Card, Marriott Bonvoy Bountiful™ Card, Marriott Bonvoy Boundless® Credit Card, Marriott Rewards® Premier Plus Credit Card from Chase, Marriott Bonvoy® Premier Credit Card from Chase, Marriott Bonvoy Bold® Credit Card, Marriott Bonvoy® Premier Plus Business Credit Card from Chase, or the Marriott Rewards® Premier Plus Business Credit Card from Chase in the last 30 days, you won't be eligible for the $250.

☆ Alaska Airlines personal and business cards are adding new benefits, including priority boarding and 2x bonus categories, but it's not all good news
▼ + stars: | 2023-01-09 | by ( Jasmin Baron | Read More | Read Less | ) www.businessinsider.com time to read: +23 min

Alaska Airlines credit cards are getting a makeover, with new perks and changes to earning categories. Alaska AirlinesBank of America has announced changes to the Alaska Airlines Visa® Credit Card and Alaska Airlines Business Credit Card . and Alaska Airlines Business Credit Card . Eligible accounts include business checking, business savings, business CDs, and Merrill business investment accounts. No other changesLike the Alaska Airlines Visa® Credit Card, the Bank of America Alaska Airlines Business Credit Card isn't making changes to its annual companion fare or 20% inflight rebate.

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. $95 Apply now On Wells Fargo's website Learn More Apply now On Chase's websiteHow to earn points with the Amex Marriott Bonvoy Brilliant cardThe Marriott Bonvoy Brilliant® American Express® Card offers a straightforward earning structure, earning bonus points at eligible Marriott Bonvoy properties and in other useful categories. Read our review Read Our Review A looong arrow, pointing rightMarriott Bonvoy Brilliant card fees and costsThe Marriott Bonvoy Brilliant® American Express® Card has a $650 annual fee. You also aren't eligible for the welcome bonus offer on this card if any of the following apply to you: You are a current cardmember, or were a previous cardmember within the last 30 days, of The Ritz-Carlton™ Credit Card from JPMorgan or J.P. Morgan Ritz-Carlton Rewards® Credit CardYou've opened the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, or Marriott Bonvoy Bountiful™ Card in the last 90 daysIn the last 24 months, you've received a new cardmember bonus offer or upgrade offer for the Marriott Bonvoy Boundless® Credit Card, Marriott Bonvoy Bold® Credit Card, or Marriott Bonvoy Bountiful™ CardIs the Marriott Bonvoy Brilliant card worth it? There are also two new mid-range Marriott cards to consider (Marriott Bonvoy Bountiful™ Card and Marriott Bonvoy Bevy™ American Express® Card) which both have a $250 annual fee).

Between out-of-control inflation and the Federal Reserve's attempts to temper it with rate hikes, just about everything in America became more expensive in 2022 — including credit card debt. Credit card interest rates soared in 2022, and they did so with mind-boggling speed. According to Bankrate, credit card rates had the steepest single-year increase since the company began tracking them in 1985. This means that if you have any credit card debt, it's become more expensive than ever. Get a balance transfer credit cardA balance transfer allows you to move debt from a high-interest credit card to one with a promotional 0% APR period.

Annual travel credit can effectively shave $300 off the annual fee if you use it Check mark icon A check mark. Very high annual fee Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Annual companion certificate can help you recoup most, if not all, of the annual fee Check mark icon A check mark. $325 annual travel and dining credit can offset most of the $400 annual fee Check mark icon A check mark. Statement credits can help you recoup the annual fee Check mark icon A check mark.

Compare the best credit cards with cell phone coverageThere are dozens of credit cards that now offer cell phone protection when you use them to pay your phone bill. Review: The best Wells Fargo credit cardsWhat is credit card cell phone protection? If you've purchased a phone brand new with your credit card, you may already have purchase protection that covers damage or theft for up to 120 days from the date of purchase. Credit card cell phone protection is different. How does credit card cell phone insurance work?

The best hotel credit cards all have one outstanding benefit that gives cardholders the incentive to renew year after year: free night certificates and/or bonus points that are worth more than the annual fee. 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter. Each calendar year after spending $60,000 on eligible purchases, Card Members are eligible to select an Earned Choice Award benefit. Show more Regular Annual Percentage Rate (APR) 20.24% - 27.24% Variable Editor's Rating 4.4 /5 A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star 4.4 out of 5 Stars Our editor's ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available. Credit Cards With Annual Free Nights Frequently Asked Questions (FAQ)How do I use a free night certificate?

Note that credit card lenders may use many different variations of credit score models when considering your application. Read our review Read Our Review A looong arrow, pointing rightThe best credit 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. 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.

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: Capital One SavorOne reviewCredit cards for college graduates frequently asked questions (FAQ)What happens to my college credit card when I graduate? If you're new to credit, you can check out Insider's guide to building credit with credit cards to help you improve your credit history faster.

A comparative few credit cards on the market specify that EV charging stations will receive bonus rewards. Popular charging stations include:TeslaChargePointEVgoLet's examine how to get the most return for EV charging expenses. These cards do not officially list EV charging stations in their bonus categories, so your results may vary. Electric vehicle charging station credit cards frequently asked questions (FAQ)Is there an EV charging stations map? The above credit cards offer effective bonuses between 2% and 4.5% back for EV charging stations.

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.

Bilt Rent Day is a monthly Bilt Rewards promotion that occurs on the first day of every month. Insider estimates that Bilt points are worth an average of 1.65 cents each when you convert them into airline miles or hotel points. $0 Annual Fee View Full Details Apply nowBilt Mastercard® 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 Intro offer N/A Rewards Earn 3X point on dining. The bottom line on Bilt Rent DayBilt Rewards is a points program that you should seriously consider if you rent. You'll earn 2,500 Bilt points for each friend you refer to the Bilt Mastercard® — and 10,000 bonus points after you successfully refer five members.

☆ The Best Banks for Small Business
▼ + stars: | 2022-12-27 | by ( ) www.wsj.com time to read: +15 min

To find the best business banks, we evaluated two dozen of the biggest institutions, looking for accounts that are easy to use, with low or no fees, and that don’t require large balances. Amex is one of relatively few banks that offers a competitive interest rate on its business checking account, with a current APY of 1.3% on balances up to $500,000. If you’re on the lookout for a new business credit card, the American Express Business Gold Card is Buy Side’s pick for Best Business Credit Card. How we pickedTo pick Buy Side from WSJ’s Best Banks for Small Business, we evaluated small-business checking accounts offered by two dozen traditional and digital banking institutions. We looked for business checking accounts that offered the best combination of convenience, low fees and features that make running a business easier, like integration with other business technology platforms and the availability of (or ability to connect with) payment processing systems.

In order to qualify for the Navy Federal Credit Union® More Rewards American Express® Credit Card, you must be a member of the Navy Federal Credit Union. How to earn rewards from the Navy Federal More Rewards cardThe Navy Federal Credit Union® More Rewards American Express® Credit Card features an impressive rewards structure — akin to notable cards such as the Chase Sapphire Preferred® Card, Citi Premier® Card, and American Express® Gold Card . Navy Federal More Rewards American Express card benefits and featuresThe Navy Federal Credit Union® More Rewards American Express® Credit Card won't overwhelm you with robust benefits like airport lounge access or hotel elite status, but it does feature several noteworthy perks. Entertainment perksBecause the Navy Federal Credit Union® More Rewards American Express® Credit Card is an American Express card, cardholders may receive early access to in-demand concerts, sporting events, and shows. No, although this is an American Express card, cardholders will earn Navy Federal Rewards points, not Amex Membership Rewards points.

Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card. Read our review Read Our Review A looong arrow, pointing rightThe Hilton Honors American Express Business Card is worth considering if you're a Hilton loyalist and are eligible for a small-business credit card. The Hilton Honors American Express Business Card is one of four co-branded Hilton credit cards issued by Amex, and the other three — Hilton Honors American Express Card, Hilton Honors American Express Surpass® Card , and Hilton Honors American Express Aspire Card — are also solid picks. The Hilton Honors American Express Business Card is a small-business card, which means you'll need to have a business to qualify. So, for example, if you already have the Hilton Honors American Express Card, Hilton Honors American Express Surpass® Card, or Hilton Honors American Express Aspire Card, you're still eligible for The Hilton Honors American Express Business Card.

Airline credit cards with free checked bagsPlenty of airlines offer credit cards with a free checked bag, but those cards often offer other benefits too. United Airlines credit cardsThere are five different United credit cards available that offer free checked bags. Credit cards with free checked bags frequently asked questions (FAQ)How can you get free checked bags? However, you can receive at least one free checked bag by holding various airline credit cards which waive this fee. Do you have to pay with your airline credit card to get free checked bags?

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