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Credit

Bank of America Warning: Credit Card With 30% APR

by Luke Landes

Don’t let anyone convince you that credit card companies are having a hard time dealing with new regulation. I received a warning in the mail yesterday from Bank of America. In fact, I received two warnings, in separate packages, related to the two Bank of America credit cards I own but do not currently use. ... Continue reading this article…

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Gold Delta SkyMiles® Credit Card from American Express Review

by Luke Landes

There once was a time that pulling out your “gold card” showed you were an important person in the world. If you can remember that far back, you know that credit card issuers reserved gold status for people with high incomes. These days however, gold status means absolutely nothing in the credit card world. Even ... Continue reading this article…

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Escape by Discover Card Review

by Luke Landes

I’ve covered many of Discover’s cash back opportunities, but I haven’t written about some of the other credit cards they offer to consumers. Discover also produces a wide variety of student credit cards and points rewards credit cards. Their most prominent travel rewards credit card is the Escape by Discover® Card. This card has a ... Continue reading this article…

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British Airways Visa Signature® Card Earn Miles Toward International Flight

by Luke Landes

Editors Note: This offer is no longer available. It’s never completely safe to sign up for a credit card due only to its initial bonus. Many cards entice customers by offering a decent cash back bonus, then turn around and charge a high annual fee with a ridiculous interest rate. Before you know it, you’re ... Continue reading this article…

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Chase Freedom® $100 Cash Back Bonus Credit Card

by Luke Landes

One of my favorite cash back credit card offers has always been the Chase Freedom® card, primarily because of the initial bonus offer combined with a great cash rewards program and low APR if you apply with excellent credit. The Chase Freedom® card provides all new Chase cardholders a $100 statement credit after spending $500 ... Continue reading this article…

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Ink Classic Business Card

by Luke Landes

You may have noticed that I’ve reviewed a few different versions of the Chase Ink small business product line, including a charge card designed for ultimate purchasing power and a cash back card offering big bonuses for maximum spending. The Ink Classic® Business Card is a rewards business card offering bonus points in addition to ... Continue reading this article…

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Discover More Card Review

by Luke Landes

Twenty years ago, Discover was considered the joke of the credit card world. Discover cards weren’t accepted anywhere, and people who owned a Discover card were sometimes embarrassed to take it out of their wallets. Even just a few years ago, Discover was the butt of a joke on the cartoon Family Guy, where Peter ... Continue reading this article…

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Increase Your Credit Score

by Luke Landes
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Somewhere along the line, American consumer society has progressed to the point where access to debt is almost essential to living a middle class life. If owning a house is the modern American dream, most Americans wouldn’t be able to achieve this without the help of the finance industry. As a result, our finances rely ... Continue reading this article…

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PenFed Credit Cards Review

by Luke Landes

Even though you’ve probably seen hundreds of commercials for Discover, Citibank, Chase, Capital One, Bank of America and American Express, the best credit card issuer continues to be Pentagon Federal Credit Union, and their line of six — only six — credit cards, three of which we list below. PenFed is a credit union designed ... Continue reading this article…

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Marriott Rewards Credit Card Review

by Luke Landes

The small percentage of people who optimize their credit card rewards require using specific credit cards for specific types of purchases. Maximizing these rewards requires willpower, and possibly at least ten different cards. One travel rewards card would be used to book flights and pay for other travel expenses, one gas rewards card would be ... Continue reading this article…

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Ink Plus℠ with Ultimate Rewards℠ $100 Bonus Cash Back

by Luke Landes

Editor’s Note: This limited-time offer has expired. One of the more difficult credit cards to be approved for is a small business credit card. Many small businesses that are just starting out don’t have the credit necessary to be approved for a high-end credit card. Therefore, small business owners often need to put their personal ... Continue reading this article…

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Blue Sky from American Express Review

by Luke Landes

Most American own multiple credit cards, sometimes as many as ten. Is this overkill, even though credit cards can be valuable tools? Perhaps. For anyone who optimizes credit card rewards, while trying to minimize the typical effect of increased spending when the method is plastic rather than cash, owning one credit card isn’t enough. Using ... Continue reading this article…

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Chase Eliminating Debit Card Rewards

by Luke Landes

JP Morgan Chase Bank is not done changing its programs in apparent response to new regulations against fees. The large bank is increasing ATM fees to $5 for non-customers and considering limiting debit card transactions to $50 or $100. Now, Bloomberg News is reporting that they are eliminating their debit card rewards program. Debit card ... Continue reading this article…

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The Best Secured Credit Cards, July 2014

by Luke Landes

Even though credit card companies make money on consumers who use them poorly, a consumer with poor credit will have a very hard time getting approved for an unsecured line of credit. One of the few ways someone with a bad credit history can improve their credit score is by signing up for a secured ... Continue reading this article…

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Chase Sapphire Card $100 Cash Back

by Luke Landes

Chase’s latest move is to consider limiting debit card transactions to $50 or $100. This plan may never be implemented, but regardless of whether it does, credit cards are often better choices than debit cards. If the plan is implemented, debit card users may need to consider using credit cards more often. Merchants will be ... Continue reading this article…

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Capital One Venture Card Matching Airline Miles

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. If you have an airline miles credit card, Capital One is offering the chance for you to double your mileage balance on that card, up to 100,000 miles. The cash value of those 100,000 miles is $1,000, so this is ... Continue reading this article…

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Ink℠ Bold with Ultimate Rewards

by Luke Landes

Many small businesses are successful in part due to smart use of credit early on. Although personal debt is bad, it can often make sense for a business to use credit, whether in the form of loans or credit cards. Some businesses do well when the owner has money to invest himself, but that isn’t ... Continue reading this article…

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Citi Dividend Platinum Select Visa Card earn $100 Cash Back

by Luke Landes

The Citi Dividend Platinum Select Visa Card is included in the list of the best cash back credit cards, and with the latest offer of $100 bonus cash back after making $500 in purchases during the first three months of account opening, it might deserve the top spot. The Citi Dividend Platinum Select Visa Card ... Continue reading this article…

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San Antonio: City With the Most Credit Card Debt

by Luke Landes

Experian is a credit reporting bureau, but it may be more accurate to characterize the company’s business as one focused on consumer information. The data they collect on people, even those with no relationship with the company, are substantial. This information was used to determine that the average consumer owed more than $4,200 in credit ... Continue reading this article…

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Citi Hilton HHonors Visa Signature Card Review

by Luke Landes

Credit cards can be dangerous tools for those not prepared for their power, emptying wallets and bank accounts quickly. Companies have interesting methods of marketing some of the most dangerous or expensive cards, either with a cool design, interesting construction like carbon fiber rather than plastic, or a unique sign-up bonus that belies the real ... Continue reading this article…

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