As featured in The Wall Street Journal, Money Magazine, and more!


How United’s Frequent Flier Program Change Affects Travelers

by Luke Landes
United Airlines

United Airlines is making significant changes to its MileagePlus frequent flier program. Here’s how your points will change.

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5 Reasons to Avoid Cash Back Rebate Cards

by Luke Landes
American Express Prepaid Rebate Card

At the end of last year, I took advantage of a sale on some photography equipment. I perceived the deal to be good, and after contemplating the purchase for some time, I decided to go ahead. The sale price was manipulated through the offering of a manufacturer’s $300 mail-in rebate after a retailer’s discount of […]

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IberiaBank Visa Select Credit Card Review

by Joe Taylor Jr.
IberiaBank Visa Select

To most Americans, Louisiana means great music, good food and some crazy Super Bowl moments. However, keen observers of the credit card industry also know Louisiana as the home of Iberiabank, a solid regional lender that’s been chugging away in cities like New Orleans and Lafayette for more than 125 years. An early adopter of […]

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Online Shopping: Credit Card or Debit Card?

by Luke Landes
Credit Cards vs Debit Cards

The conclusion begins this article. If you’re shopping online, it’s better to use your credit card, not your debit card, in almost all cases. For someone just beginning to focus on improving one’s finances, this seems to be the wrong conclusion. After all, in theory, with a debit card you can spend only what’s in […]

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PenFed Promise Visa Review

by Joe Taylor Jr.
PenFed Promise Visa Card

By offering a suite of services originally designed to help military families make ends meet, Pentagon Federal Credit Union has grown into one of the country’s largest nonprofit financial institutions. Unlike credit unions that require geographic or employer-related eligibility, PenFed extends membership to any citizen with a family connection to our national defenses. You can […]

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The Credit Access and Inclusion Act: Should Credit Scores Include Utility Payments?

by Luke Landes
For Rent

A bill is currently being considered by the House Financial Services committee in the U.S. House of Representatives that would make it easier for credit reporting agencies to include both positive and negative bill-paying behavior in credit scores. The Fair Isaac Corporation, which changed its company branding in 2009 to be just FICO though the […]

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The Occupy Debit Card

by Luke Landes
Occupy Banks

Can an organization offer mainstream financial products while being ideologically opposed to the mainstream financial industry? That’s the question I began considering when I first heard that the Occupy Wall Street movement was in the process of developing a prepaid debit card product. The Occupy Debit Card is still just a concept, but if the […]

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An Unauthorized Charge From TransUnion: Was My Identity Stolen?

by Luke Landes
Burglar alarm

Earlier this year, the university where I studied as an undergraduate, the University of Delaware, announced that the school had been the victim of a security breach. The announcement indicated that personal information of anyone who had been on the university’s payroll might be compromised, and those who were compromised would receive a letter from […]

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Citi ThankYou Preferred Card – Low Intro APRs Review

by Joe Taylor Jr.

Editor’s Note: This is an expired offer. The Citi ThankYou® Preferred Card – Low Intro APRs brings a flexible rewards program to a wider audience, with some unexpected perks and privileges for a no annual fee card. However, if you’re already packing a travel rewards card or a cash back card, you might find this account a […]

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Discover it® with 18-Month Balance Transfer Offer

by Joe Taylor Jr.

The Discover it® card with an 18-month introductory balance transfer offer arrived on the market with heavy fanfare, including lots of television ads and billboards touting personal service and a new rebate structure that frees customers from most cash-back traps. This card’s critics have pointed out that other lenders extend far more generous sign-up offers, dangling hundreds […]

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