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Credit

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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First National Bank of Omaha Maximum Rewards® Visa Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. While the most familiar credit cards come from big-name issuers like Capital One, Chase, American Express, Citi or Bank of America, some of the better offers come from less familiar banks. First National Bank of Omaha (FNBO) is one of ... Continue reading this article…

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Citi Forward® Card Review

by Luke Landes

While it may sound counter-intuitive for a credit card issuer to promote responsible spending and credit usage, Citi has decided to provide a credit card with this approach. The Citi Forward® Card is unique in that it rewards cardholders for making their credit card payments on time as well as staying within their credit limit. ... Continue reading this article…

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The Most Expensive Credit Cards

by Luke Landes
American Express Centurion

It rarely makes sense to own a credit card that charges an annual fee. I own one credit card that charges an annual fee after the first year — Continental Airlines OnePlus Card which was replaced by the United MileagePlus Explorer Card– and I might cancel before they charge my first annual fee. Even if ... Continue reading this article…

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PenFed Premium Travel Rewards American Express® Card offers Bonus Points

by Luke Landes

The most important thing to evaluate when shopping around for a travel rewards credit card is the quality of the rewards program, particularly when compared to other similar cards. The best travel rewards cards offer much more than the typical one cent per point conversion rate. It’s also important to look at the pricing in ... Continue reading this article…

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Discover More Card 18 Month Balance Transfer Offer

by Luke Landes

When companies compete for the business of consumers, consumers are often the winners. One company presents a new offer to win customers, and other companies have no choice but to follow suit if they want to compete. Companies within the credit card industry has been quick to respond to competing offers. I’ve been following the ... Continue reading this article…

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Your Credit Card Doesn’t Love You

by Luke Landes
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Happy Valentine’s Day! That’s the message from Consumerism Commentary today. By my home office in central New Jersey the mid-50-degree weather is a welcome surprise, and I like sharing my resulting positive attitude. This isn’t today’s message from your credit card company, however. Several people have written to Consumerism Commentary today to let us know ... Continue reading this article…

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SimplyCash® Business Card from American Express OPEN Review

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. Business owners know that when the work of building a new enterprise is just beginning, it’s not easy. If your great idea takes significant financing and you need help gathering funds, few people are willing to come forward and help ... Continue reading this article…

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Citi® Dividend Platinum Select® MasterCard® Review

by Luke Landes

The offer you are interested in has expired. Read our Citi Card reviews.

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The Best Airline Miles Credit Cards, October 2014

by Luke Landes

As airlines continue to add a variety of fees to compensate for keeping fare prices low to complete with each other, the overall cost to fly is increasing. Adding to the base cost of a flight are fees like fuel surcharges, checked baggage fees, and in-flight fees for food, drinks, headphones and pillows. Some airlines ... Continue reading this article…

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Citi® Platinum Select® MasterCard Review

by Luke Landes

The offer you are interested in has expired. Read our review of other Citi cards.

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Citi ThankYou Preferred Card – Earn 20,000 Bonus Points

by Luke Landes

Citibank’s line of credit card products are well-known for having some of the best balance transfer credit cards available, especially for cards that also feature a rewards program. The Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points offers new cardholders a way to earn 20,000 bonus ThankYou® Points after members make $1,500 in card ... Continue reading this article…

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Ink Cash Business Review

by Luke Landes

If you’re a small business owner needing credit, you may want to consider a small business credit card for your everyday purchases. Not only will you be able to itemize your expenses in just a few minutes, but the money and rewards that can be earned by utilizing your small business credit card could keep ... Continue reading this article…

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Mobile Payments Could Be the End of Credit Cards

by Luke Landes
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In my wallet, plastic is king. I use my credit card for almost every transaction, though in rare cases I still go for cash. Like many others in this country and around the developed world, I also carry my cell phone around with me everywhere I go. Cell phone technology is progressing quickly, and this ... Continue reading this article…

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The Best Prepaid Debit Cards, October 2014

by Luke Landes

Prepaid debit cards have always been a controversial topic, particularly the cards that carry insanely high fees just for making everyday purchases. Suze Orman’s entry into the prepaid card business, the Approved Card, prompted heated debate about whether it represented a conflict of interest, given Orman’s following. In 2010, after the Kardashians announced their branded ... Continue reading this article…

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Discover® More Card: No Balance Transfer Fee, 0% APR

by Luke Landes

When you take a look at our list of the best 0 percent balance transfer credit cards, you’ll notice that all offers are featuring balance transfer fees these days. Whether it’s 3 percent, 4 percent or 5 percent, every time a consumer takes advantage of a 0 percent balance transfer offer, the credit card issuers still make money by charging ... Continue reading this article…

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Credit Card Rewards Hurt Your Bottom Line

by Luke Landes
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I’ve been a proponent of cash-back rewards credit cards for a while. My theory, or perhaps my excuse, is that if I plan on spending money and can do so with either cash or a credit card that offers rewards, I might as well use the rewards credit card to damage my bottom line less ... Continue reading this article…

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PenFed Platinum Cash Rewards Visa Card offers 5% cash back on gas paid at the pump

by Luke Landes

Editor’s Note: Thank you for your interest, this offer expired and is no longer available. As the offers on cash back credit card continue to increase, consumers who use credits cards should make sure theirs is one that allows them to save the most amount of money possible. Whether it’s a great APR, a long ... Continue reading this article…

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PenFed Promise VISA Card Review

by Luke Landes

Whenever you make a purchase with your credit card, the wise move is always to pay off the purchase before the bill is due to avoid interest charges and late fees. If you know that won’t be possible in the short-term, the best thing you could do is keep your interest payments low by choosing ... Continue reading this article…

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