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Articles by Robin Ratcliff
Venture X Business: Rewards & Perks Explained
The Capital One Venture X Business is one of the best values for a business travel card. It lets you earn a huge sign-up bonus plus unlimited 2X miles on purchases. It also offers outstanding transfer partners and luxury travel perks, all for a lower annual fee than most luxury cards.
Best Unsecured Credit Cards in February 2025
The Chase Freedom Rise® Credit Card is the best unsecured credit card for people who are new to credit because it offers a top-notch cash back rewards program. It has a $0 annual fee, and you can boost your approval odds by having an existing Chase bank account. Our top picks for best unsecured credit cards for limited credit have low or no annual fees, offer credit-building tools and provide an avenue to build credit through responsible use. Some even earn rewards for spending.
Credit One Bank® Platinum Visa® for Rebuilding Credit Review
| | The Credit One Bank® Platinum Visa® for Rebuilding Credit may be an easy unsecured card to get, but it charges a high annual fee and offers few perks. Is the Credit One Bank® Platinum Visa® for Rebuilding Credit a good card? For someone who is looking for a no-frills card with which to rebuild credit, the Credit One Bank® Platinum Visa® for Rebuilding Credit can help you achieve that goal.
9 Best Balance Transfer Credit Cards in November 2024
Associate Professor of Financial Economics, Methodist University What are some unhealthy financial habits a consumer should try to kick prior to applying for a balance transfer credit card? Before applying for a balance transfer credit card, the most important habit to kick is carrying a balance. Credit card interest rates are so high that carrying a balance is very unwise. If you transfer a balance to a new card, don’t keep using the old card and rack up another balance on it.
Credit One Bank Platinum Rewards Visa Review | LendingTree
| | The Credit One Bank® Platinum X5 Visa® is a decent option if you have good credit (a FICO® Score of 670 to 739) and are looking to earn cash back on purchases. But, this card is expensive to own because there’s a $95 annual fee and high APR of 29.74% Variable. If you’re looking for a rewards credit card, there are better options available.
Credit One Bank® Platinum Visa® Review
Pros and cons Unsecured credit card Accepts applicants with Fair / Good credit Earns bonus cash back Automatic account reviews for credit line increases Choose a payment due date Annual fee High APR Not all purchases qualify for cash back rewards Is the Credit One Bank® Platinum Visa® a good card? The Credit One Bank® Platinum Visa® is an OK credit-building card for those with Fair / Good credit.
Best Cash Back Credit Cards in September 2024
Would you recommend a cash back credit card to a first-time credit card user? Why or why not? Yes, I would recommend a cash back credit card, provided it pays at least 2% on all purchases. Some cards pay only 1.5%, which is perhaps not as valuable as frequent flier miles or hotel points, depending on one’s activity and status with these travel partners. These days, frequent flier miles are worth only about 1% of what you’ve spent; so 2% is definitely more valuable.
Best Business Credit Card With No Personal Credit Check in 2024
Building business credit is an essential part of managing business finances, since it’s common for creditors and suppliers to use this information when making lending and credit decisions. Establishing strong business credit can protect your personal credit by allowing you to apply for business credit cards and business loans without having to rely on your personal credit history. Here are three ways to build up your business credit: 1.
Credit One Bank American Express Card Review
| | The information related to the Credit One Bank American Express Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply. The Credit One Bank American Express Card is a solid cash back card if you’re looking to build credit. But if you already have good or excellent credit, you can find better cards with higher cash back rates on general purchases and no annual fees.
7 ways to earn American Express points
If you’ve gotten approved for your first American Express Membership Rewards card and are itching to earn your way to a free vacation, you may be asking yourself, “Is there a way to rack up American Express points a little faster?” Well, the good news is that there are ways to earn extra Membership Rewards points, which you can use to try and maximize your rewards points. Here are some of the fastest ways to rack up the Amex points. 1.
Chase Ultimate Rewards transfer partners
Our editorial team and expert review board work together to provide informed, relevant content and an unbiased analysis of the products we feature. The editorial content on our site is independent of affiliate partnerships and represents our unique and impartial opinion. Learn more about our partners and how we make money.
How much are American Airlines miles worth?
The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. If you are someone who loves to decipher complicated charts, jumps for joy at discovering special deals and has a lot of flexibility in your travel calendar, AAdvantage miles may be the airline currency for you.
Best credit card combinations for everyday spending
Summary Rather than pick one card between two great options, why not apply for both? Some card combinations from the same issuer can earn you high rewards. Read on to learn more about our favorite picks. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.
What Are Hilton Honors Points Worth?
Summary See why Hilton Honors points aren’t worth much compared to many other loyalty program points. Nevertheless, you may find value in this program, if you remain flexible with your travel plans. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.
Best ways to spend American Express points
The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. If you love having reward redemption options, then the American Express Membership Rewards program delivers, giving you a long list of ways to spend your points and use your credit card rewards. But some redemption methods pack a bigger punch than others.
How to read your credit card's terms and conditions
Summary Consumers should know how to read their credit cards’ terms and conditions so they’re aware of what they are signing up for. Without fully understanding the terms of a credit card offer, you could be in for an unpleasant surprise. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.
How much are Delta SkyMiles worth?
The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Delta frequently offers elevated welcome bonuses on its SkyMiles credit cards — you may have seen a recent offer and are wondering if you should get the card.
Hilton Honors Program: Your Guide to Earning and Using Points
Summary Learn how the Hilton Honors rewards program works, including how to earn and redeem points to get the most value. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. Hilton Hotels is one of the world’s oldest hotel brands and, with 7,000 properties worldwide, it’s also one of the largest.
United MileagePlus guide: The best ways to earn and use United miles
Summary Read our comprehensive guide to United MileagePlus to learn about the best ways to earn, redeem and maximize MileagePlus miles. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. There’s no way around it: If you’re flying around the country, there’s a decent chance you’ll be on a United Airlines flight sooner or later.
Southwest Rapid Rewards guide
Summary Our guide gives you a complete overview of the Southwest Rapid Rewards program, including how to earn and redeem points, who it’s good for and gain elite status. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.
Marriott rewards guide: Maximize Marriott points
Summary Our Marriott Bonvoy rewards guide gives a complete overview of the Marriott Bonvoy program, including what Marriott points are worth and how to earn and redeem points for the most value. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.
What is the best Amazon credit card?
Amazon has gone from an online bookstore to a monstrous e-commerce marketplace selling everything from books to electronic goods to household items — and distributing content like Prime Video and Audible. So, for any ardent (or moderate) Amazon fans out there — why not earn rewards on purchases you already make? That, however, begs the question: What is the best Amazon credit card?
How much are Hyatt points worth?
Summary We look at the value of World Hyatt points, their pros and cons and what type of traveler can get the most out of them. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. If you’re looking for a hotel loyalty program that packs a lot of value, the World of Hyatt program may be the one for you.
Credit Building with a Catch? Self Visa Card Review
| | The Secured Self Visa® Credit Card has a fairly reasonable annual fee for a card that doesn’t require a credit check. But it’s far from being the best secured credit card, due to its costs and barriers to applying.
Best Cash Back Credit Cards in August 2022
The Citi® Double Cash Card offers a lengthy intro APR of 0% for 18 months on balance transfers, after which an APR of 16.24% - 26.24% (variable) applies. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
U.S. Bank Cash+ Visa Signature Card Review: Is It One of the Best?
Earn a $150 rewards bonus New cardmembers can earn a one-time bonus of $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening. The $150 bonus will post as a credit to your card within six to eight weeks after you've met the minimum spending requirements. Existing and previous Cash Rewards customers do not qualify for this bonus.
Chase Air Canada Aeroplan® Card Review: Is It Worth It?
Is the Aeroplan® Card worth it? The Aeroplan® Card is definitely "worth it" in every sense, but that's especially true during the first few years of card membership. Not only can you earn a generous sign-up bonus, but you can enjoy 25K elite status with the airline for the remainder of the year and the entire following year. Other Air Canada card perks can help you save money, including the fee credit for Global Entry, TSA Precheck, or NEXUS, as well as the free checked bag benefit.
Global Entry vs. TSA Precheck: Which Is Better
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership. Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
JetBlue TrueBlue Rewards Program: In-Depth Guide for 2022
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership. Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
Capital One Venture X Card Review: Is This Premium Card Worth It?
Is the Capital One Venture X Rewards Credit Card worth it? One of the newest premium credit cards on the market, the Capital One Venture X Rewards Credit Card might just beat out its competition. This card is well worth it, offering a premium earning rate on travel purchased through Capital One Travel and a higher-than-average 2X points for all other purchases.
Best Rewards Credit Cards of July 2022
Credit needed: Excellent/Good 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.
Credit Card Exchange Rates and Foreign Transaction Fees: What You Need to Know
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership. Citi is an advertising partner One of the benefits of having a credit card is the ability to use it wherever you go — including in other countries.
Expedia Rewards Voyager Card from Citi Review: A Great Card for Travelers
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership. The Expedia® Rewards Voyager Card from Citi is a good option for Expedia fans who don't want to be tied down to a particular travel brand but still want to earn valuable travel rewards.
Best Citi Credit Cards: Compare Top Options of 2021
Best Citi travel credit card Citi Premier® Card Balance transfer APR 15.99% - 23.99% (Variable) Excellent/Good Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening Our thoughts The Citi Premier® Card is an outstanding middle-tier travel rewards card that offers both a solid sign-up bonus and an excellent return on a variety of spending categories.
No Credit Check Card
If you’re looking to avoid a credit check when you apply for a credit card, the Applied Bank® Secured Visa® Gold Preferred® Credit Card is a reasonable option. However, it has subpar value compared to many secured cards because it charges an annual fee.
Maximize your cash back on Amazon.com
Summary By using the right credit card, stacking up on coupons and discounts and using some handy tools to find the right price, you can really make your savings on Amazon add up. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.
Southwest Rapid Rewards® Premier Credit Card: Is it Worth the Annual Fee?
Southwest Airlines is one of the largest carriers for the mainland U.S., as well as an option for getting to nearby vacation hotspots, such Mexico, Costa Rica, and recently, Hawaii. Southwest is popular for its consumer-friendly policies, including no baggage fees and a very generous policy on canceling and changing tickets for no fee up to the very last minute. The Southwest Rapid Rewards® Premier Credit Card is yet another straightforward, consumer-friendly offering from the airline.
Which is the best credit card for Amazon.com purchases?
Essential reads, delivered weekly Subscribe to get the week’s most important news in your inbox every week. Enter your email address By providing my email address, I agree to CreditCards.com’s Privacy Policy Your credit cards journey is officially underway. Keep an eye on your inbox—we’ll be sending over your first message soon. The Amazon Rewards Visa and Amazon Prime Rewards Visa Signature cards have become hot items for frequent Amazon shoppers, and for good reason.
Which is the best card to use on Costco purchases?
Summary The Costco Anywhere Visa card by Citi offers a high amount of cash back on gas, travel and Costco purchases, but is it the best card to use to earn the most rewards at Costco? The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.
Best Cash Back Credit Cards
By: Robin Ratcliff, Tracy Brackman and Laura Mohammad Updated: November 13, 2019 Our experts at CreditCards.com have pulled together the best cash back credit cards for you in various spending categories. Each card has different rewards and fees, but we make it easy for you to decide on which is best for your spending habits. Choosing a credit card is an important financial decision, so we lay out the pros and cons for you all in one place.
Maximize your cash back on Amazon.com
The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs. If you are a fan of Amazon.com, you may already find your time spent searching for deals on the world’s largest online retailer rewarding – as in, enjoyable. But we’d like to show you how shopping on Amazon can reward you in another way: With cash back and cost savings.
How much are IHG points worth?
The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy The content on this page is accurate as of the posting date. Some of the offers mentioned below may no longer be available.
HawaiianMiles Online Mall guide
Summary By clicking through to your favorite retailer via the Hawaiian Airlines shopping portal, you can earn Hawaiian miles on top of other rewards and discounts. The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy.
A guide to the Free Spirit Online Mall
Summary Our guide to Spirit Airline’s online shopping portal shows you how to get extra Spirit miles out of most of your online purchases. The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy.
Is it worth it to transfer miles with the Capital One Venture card?
Is it worth it to transfer miles with the Capital One Venture card? We take a look at how the Capital One Venture's upcoming transfer options compare The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy The content on this page is accurate as of the posting date.
Starwood Preferred Guest® American Express Luxury Card review
The Marriott rewards program, which has undergone many changes and updates lately, has launched yet another new credit card: The Starwood Preferred Guest American Express Luxury card. As part of the launch, Marriott has adorned the card with an impressive 100,000-point introductory bonus. The hitch is that the card comes with a very large $450 annual fee. You may be wondering: Once all those bonus points are spent, is it worth doling out $450 for a second year of card membership?
Southwest Rapid Rewards guide: what you need to know
The content on this page is accurate as of the posting date. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs. For travelers weary of the hassles and hidden fees that often come with booking airline award tickets, the Southwest Rapid Rewards program is a welcome alternative. Southwest makes it extraordinarily easy to book its low-cost fares at a great value.
The best ways to redeem Southwest Rapid Rewards points
One of the joys of the Rapid Rewards program is that Southwest makes it simple to figure out what your options are and which options offer the best value. You can quickly calculate the value of your points by viewing a list of flights by price and then clicking the “points” option on Southwest’s select flight screen.
Best credit card combinations for everyday spending
The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy The content on this page is accurate as of the posting date. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs.
How much are Delta SkyMiles worth?
Delta frequently offers 70,000-mile sign-up bonuses on its SkyMiles credit cards – you may have seen a recent offer and are wondering if you should get the card. In fact, 50,000 to 70,000 SkyMiles can take you pretty far, but Delta miles are a little less valuable (and a little more hassle) than some airline miles. Here’s why SkyMiles may not be your top choice for an airline rewards currency.
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