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Featured Article
Credit Card Rates
    Avg. APR
Low Interest   13.58%
Business   14.34%
Balance Transfer   15.96%
Student   16.26%
Airline   16.66%
Reward   16.81%
Cash Back   16.99%
Instant Approval   19.05%
Bad Credit   23.77%
Updated: 2018-05-23
Source: CreditCards.com

Summer holiday sales: Card reward tips to maximize savings

By Rebecca Lake
Published: May 23, 2018

Retailers are rolling out Memorial Day weekend deals – do you have the right card to maximize savings?

>> Read Entire Story
Credit Card News Categories
Recent News
Historic credit card interest rates chart --See key rates data from our weekly survey of card APRs 2007-2018... (more)
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Summer holiday sales: Card reward tips to maximize savings --Retailers are rolling out Memorial Day weekend deals – do you have the right card to maximize savings?... (more)
Q&A: Can I protect my credit score if I can't pay card's full balance? --Until you are able to regain control of your debt, take these steps to protect your credit score.... (more)
Charged Up! podcast: Going from a cash-based to a cashless society --Journalist and author Jacques Peretti explains how our spending habits have changed over the last 15 years due to technologies such as PayPal... (more)
Low interest, zero percent cards
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Historic credit card interest rates chart --See key rates data from our weekly survey of card APRs 2007-2018... (more)
Rate survey: Average card APR breaks new record --May 16, 2018: The average credit card interest rate broke a new record this week as lenders continued to adjust APRs on new cards, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Staycation savings: Earn rewards on local summer entertainment --Staying local this summer? Credit cards can help you offset summer expenses beyond travel, with savings on restaurants, movies, museums, theme parks and camps... (more)
Rate survey: Average card APR remains at record high of 16.71 percent --May 9, 2018: None of the cards included in CreditCards.com's weekly rate report advertised new APRs this week. ... (more)
Balance transfer
Historic credit card interest rates chart --See key rates data from our weekly survey of card APRs 2007-2018... (more)
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Rate survey: Average card APR breaks new record --May 16, 2018: The average credit card interest rate broke a new record this week as lenders continued to adjust APRs on new cards, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Rate survey: Average card APR remains at record high of 16.71 percent --May 9, 2018: None of the cards included in CreditCards.com's weekly rate report advertised new APRs this week. ... (more)
What is a good APR for a credit card? --With new card offers' interest rates at an all-time high, you may still be able to find offers that shave a few percentage points.... (more)
Reward programs
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Historic credit card interest rates chart --See key rates data from our weekly survey of card APRs 2007-2018... (more)
Summer holiday sales: Card reward tips to maximize savings --Retailers are rolling out Memorial Day weekend deals – do you have the right card to maximize savings?... (more)
Alaska Mileage Plan Dining program guide --Our guide shows you how to get more Mileage Plan miles out of the Alaska Mileage Plan Dining program.... (more)
Why is there such a big surcharge to book my 'free' flight with points? --If you plan on using award points to book a free flight on American Airlines' partner airlines, British Airways and Iberia, beware of hefty surcharges that can make your ticket feel anything but free... (more)
Frequent flyer programs, airline rewards
Alaska Mileage Plan Dining program guide --Our guide shows you how to get more Mileage Plan miles out of the Alaska Mileage Plan Dining program.... (more)
Why is there such a big surcharge to book my 'free' flight with points? --If you plan on using award points to book a free flight on American Airlines' partner airlines, British Airways and Iberia, beware of hefty surcharges that can make your ticket feel anything but free... (more)
7 tips when redeeming points for a rewards 'experience' --Enticed to redeem points for a once-in-a-lifetime experience? Know the rules of the road so you don't squander your rewards.... (more)
Credit card product news --The latest on credit card launches, bonus offers and rewards program updates.... (more)
Should I shop at Whole Foods if I have an Amazon credit card? --With 5 percent back at Whole Foods with an Amazon credit card, it can be tempting to shop there. But you'll need to do the math to see if you'll actually save money... (more)
Business credit, business cards
Historic credit card interest rates chart --See key rates data from our weekly survey of card APRs 2007-2018... (more)
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Guide to mobile wallets: Samsung Pay, Apple Pay, Google Pay --Got questions about mobile wallets? Our guide to Samsung Pay, Apple Pay and Google Pay has all the answers about operation, security and rewards... (more)
If I'm not liable for my company's credit card debt, why is a collection agency calling me? --If you have a credit card from the company you work for with your name on it, you can find yourself battling creditors if the corporation doesn't pay... (more)
Airport lounge access for the whole family takes planning --If you're choosing a card or lounge membership for your business travel, consider signing up for one that will allow you also bring your family when you're on the road for a personal vacation... (more)
Student credit cards, young credit
Historic credit card interest rates chart --See key rates data from our weekly survey of card APRs 2007-2018... (more)
How to check your child's credit report --With a few exceptions, children shouldn't have credit reports. If they do, it could be an indication of fraud. Here's how to find out ... (more)
How can a new, unactivated card cause a credit score drop? --Even though a card has not yet been activated, the hard inquiry from applying for the card impacts your credit score.... (more)
Rejected for credit? It could be because you're dead --Rejected for a loan because your credit history was shut down? It could be because the credit bureaus think you're dead.... (more)
New Barclays Upromise World Mastercard to offer 1.25 percent back on every purchase --Saving for college is about to get even more rewarding – thanks to an upgraded offer for the Upromise Mastercard.... (more)
Emerging payment systems: Prepaid, debit, gift cards
Guide to mobile wallets: Samsung Pay, Apple Pay, Google Pay --Got questions about mobile wallets? Our guide to Samsung Pay, Apple Pay and Google Pay has all the answers about operation, security and rewards... (more)
These gift cards add an extra bonus: discounts, even cash back --Want to earn cash back rewards while making purchases with a gift card? Start by leveraging them with loyalty programs and rewards cards.... (more)
How to accept credit cards at your next garage sale --Mobile payments have made cash-only garage sales a thing of the past. ... (more)
Mastercard, Discover, AmEx and Visa ditching signatures --Mastercard, Discover, American Express and Visa plan to ditch the signature requirement with credit and debit card payments in April 2018. ... (more)
Best card options when sending your child abroad --Parents should consider adding a credit card for spending and emergencies... (more)
Credit account management
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Charged Up! podcast: Going from a cash-based to a cashless society --Journalist and author Jacques Peretti explains how our spending habits have changed over the last 15 years due to technologies such as PayPal... (more)
Q&A: Can I protect my credit score if I can't pay card's full balance? --Until you are able to regain control of your debt, take these steps to protect your credit score.... (more)
Summer holiday sales: Card reward tips to maximize savings --Retailers are rolling out Memorial Day weekend deals – do you have the right card to maximize savings?... (more)
7 tips when redeeming points for a rewards 'experience' --Enticed to redeem points for a once-in-a-lifetime experience? Know the rules of the road so you don't squander your rewards.... (more)
Research, statistics
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Historic credit card interest rates chart --See key rates data from our weekly survey of card APRs 2007-2018... (more)
Those with financial plans make other smart money moves --If you write down a financial plan, you're much more likely to have an emergency fund and pay off your credit card bills monthly, Charles Schwab research shows... (more)
Rate survey: Average card APR breaks new record --May 16, 2018: The average credit card interest rate broke a new record this week as lenders continued to adjust APRs on new cards, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Supreme Court OKs sports gambling – will credit cards? --Cards that allow betting at all treat it as a costly cash advance. That could change in wake of Supreme Court ruling allowing states to legalize sports betting... (more)
Innovations, features, new products
Guide to mobile wallets: Samsung Pay, Apple Pay, Google Pay --Got questions about mobile wallets? Our guide to Samsung Pay, Apple Pay and Google Pay has all the answers about operation, security and rewards... (more)
Video: Giving back with your card --Some credit cards let you donate your rewards to the charity of your choice, with no work on your part.... (more)
6 things to know before requesting a credit-line increase --Before you request a credit increase, think about how it will affect your credit score and why you need the added amount... (more)
Ikea, Apple and other big brand cards are not great for rewards --If you're a fan of a certain brand, you may be tempted to sign-up for their credit card to earn points toward future purchases. But, many of the big brand cards don't offer as much in rewards as a straight travel or cash back card... (more)
11 credit card travel insurance benefits --Your credit card may offer extra insurance protection when you travel. Here are 11 benefits to consider ... (more)
Legal, regulatory, privacy issues
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Bill that could help prevent synthetic ID fraud passes Congress --Banks will have new tools to fight synthetic identity fraud under a bill headed to President Trump's desk... (more)
Do I have to pay fees and interest included in a wage garnishment? --The best time to argue your case or settle the debt for less than you owe was before the judgment was assessed.... (more)
Active-duty military can get fees waived, special perks from rewards cards --Some credit card issuers waive annual fees for active-duty military members, so it may be worth considering applying for some high-end travel rewards cards.... (more)
Need to cancel a nonrefundable flight or hotel? You might have options --Trip cancellation not covered by your card? Calling the hotel or airline directly and making a compelling case might get you a refund.... (more)
Expert Q&A
Q&A: Can I protect my credit score if I can't pay card's full balance? --Until you are able to regain control of your debt, take these steps to protect your credit score.... (more)
Why is there such a big surcharge to book my 'free' flight with points? --If you plan on using award points to book a free flight on American Airlines' partner airlines, British Airways and Iberia, beware of hefty surcharges that can make your ticket feel anything but free... (more)
Should I shop at Whole Foods if I have an Amazon credit card? --With 5 percent back at Whole Foods with an Amazon credit card, it can be tempting to shop there. But you'll need to do the math to see if you'll actually save money... (more)
If I'm not liable for my company's credit card debt, why is a collection agency calling me? --If you have a credit card from the company you work for with your name on it, you can find yourself battling creditors if the corporation doesn't pay... (more)
Do I have to pay fees and interest included in a wage garnishment? --The best time to argue your case or settle the debt for less than you owe was before the judgment was assessed.... (more)
Credit scores, credit reports
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Q&A: Can I protect my credit score if I can't pay card's full balance? --Until you are able to regain control of your debt, take these steps to protect your credit score.... (more)
If I'm not liable for my company's credit card debt, why is a collection agency calling me? --If you have a credit card from the company you work for with your name on it, you can find yourself battling creditors if the corporation doesn't pay... (more)
How to check your child's credit report --With a few exceptions, children shouldn't have credit reports. If they do, it could be an indication of fraud. Here's how to find out ... (more)
6 things to know before requesting a credit-line increase --Before you request a credit increase, think about how it will affect your credit score and why you need the added amount... (more)
All credit card news
Historic credit card interest rates chart --See key rates data from our weekly survey of card APRs 2007-2018... (more)
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Charged Up! podcast: Going from a cash-based to a cashless society --Journalist and author Jacques Peretti explains how our spending habits have changed over the last 15 years due to technologies such as PayPal... (more)
Q&A: Can I protect my credit score if I can't pay card's full balance? --Until you are able to regain control of your debt, take these steps to protect your credit score.... (more)
Summer holiday sales: Card reward tips to maximize savings --Retailers are rolling out Memorial Day weekend deals – do you have the right card to maximize savings?... (more)
To Her Credit
Do I have to pay fees and interest included in a wage garnishment? --The best time to argue your case or settle the debt for less than you owe was before the judgment was assessed.... (more)
Is selling our house to pay off card debt a good idea? --Losing hard-earned equity in your home to pay off card debt usually isn't the best option.... (more)
Payment options other than credit cards for parent with dementia --There's always cash or gift cards, but you can also get him a prepaid card or add him as an authorized user to one of your cards, but with a preset credit limit... (more)
How do I stop a chargeback for a legitimate purchase? --Disputing a purchase where a customer keeps the merchandise is called chargeback fraud. However, the burden of proof is upon the merchant.... (more)
Spendthrift daughter racks up thousands on mom's card --After racking up $1,500 in charges, mom told her to stop, but then she kept on spending.... (more)
Opening Credits
Q&A: Can I protect my credit score if I can't pay card's full balance? --Until you are able to regain control of your debt, take these steps to protect your credit score.... (more)
Will it hurt my son's credit if I cancel him as an authorized user? --Once authorized user status is revoked, any credit reporting activity associated with that card disappears. Since children have short histories, they'll take a bigger credit score hit... (more)
How can a new, unactivated card cause a credit score drop? --Even though a card has not yet been activated, the hard inquiry from applying for the card impacts your credit score.... (more)
How are minimum payments determined on a 0 percent balance transfer card? --Just because you are not being charged interest for a specific time period doesn't mean that you won't have to make minimum payments on that balance.... (more)
Do student loans, work study, qualify as income on card application? --Card issuers have different policies on what can be considered income on a credit card application. ... (more)
Cashing In Q&A columns
Should I shop at Whole Foods if I have an Amazon credit card? --With 5 percent back at Whole Foods with an Amazon credit card, it can be tempting to shop there. But you'll need to do the math to see if you'll actually save money... (more)
Q&A: How do redeemed travel points get refunded if I cancel? --Airline programs vary. On some, if you book award travel and later need to cancel, you'll get money back. But a lot of airlines' flights are nonrefundable.... (more)
Can I sign up for the same card twice and get the sign-up bonus? --If you already received a sign-up bonus for a credit card and closed it, in some cases you can sign up for the same card again and get the points... (more)
Is it worth it to transfer Hilton hotel points to American Airlines? --If you want to transfer hotel points to an airline to get a free flight, check the transfer ratio first to make sure you're not losing value... (more)
Sometimes, you can keep the points when you cancel a card --When canceling a card, you may lose your points, but in many cases, you won't... (more)
Videos
Video: Giving back with your card --Some credit cards let you donate your rewards to the charity of your choice, with no work on your part.... (more)
Card or cash? When traveling abroad, you often need both --Credit card or cash? When you travel abroad, you need both plastic and local currency, as some places take cards and some are cash only... (more)
Video: 4 ways students can build credit --For students and graduates, the time is now to build credit so you can buy a car, rent an apartment and build credit history... (more)
Video: Master your bucket list with points --If your bucket list has items like travel and getting in shape, you may be able to use your credit card rewards points to do it on the cheap ... (more)
Video: 3 things to know about credit card minimum payments --Find out what a minimum payment is, how it's calculated and how it affects your debt -- in about a minute. ... (more)
Infographics
Those with financial plans make other smart money moves --If you write down a financial plan, you're much more likely to have an emergency fund and pay off your credit card bills monthly, Charles Schwab research shows... (more)
Credit card losses from synthetic identity fraud jump --Synthetic identity fraud, in which thieves create identities for bogus people, is increasing, Aite Group finds. And losses from the fraud are expected to rise another 53 percent by 2020.... (more)
Child ID breaches rampant, usually caused by a familiar face --In most cases, a family member or friend steals the child's data... (more)
Millennials most likely to carry card balances, survey says --A generational survey of credit card debt finds that grandma probably doesn't carry a balance, but Junior does.... (more)
Chip cards are more popular three years after introduction --Chip cards are increasingly viewed as faster and more convenient than magnetic strip cards, a Fiserv survey finds... (more)
Rate report
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Rate survey: Average card APR breaks new record --May 16, 2018: The average credit card interest rate broke a new record this week as lenders continued to adjust APRs on new cards, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Forget the 30 percent credit utilization 'rule' - it's a myth --When it comes to credit utilization and your credit score, a very low credit-to-borrowing ratio is best, and it's a myth that your score falls off a cliff once you hit 30 percent ... (more)
Rate survey: Average card APR remains at record high of 16.71 percent --May 9, 2018: None of the cards included in CreditCards.com's weekly rate report advertised new APRs this week. ... (more)
Rate survey: Average card APR climbs to record high of 16.71 percent --May 2, 2018: The average credit card interest rate set a new record this week, climbing to 16.71 percent, according to the CreditCards.com Weekly Credit Card Rate Report... (more)
Breaking news
Rate survey: The average credit card interest rate remains at record high --May 23, 2018: The average credit card interest rate remained at a record high Wednesday, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Those with financial plans make other smart money moves --If you write down a financial plan, you're much more likely to have an emergency fund and pay off your credit card bills monthly, Charles Schwab research shows... (more)
How to check your child's credit report --With a few exceptions, children shouldn't have credit reports. If they do, it could be an indication of fraud. Here's how to find out ... (more)
Rate survey: Average card APR breaks new record --May 16, 2018: The average credit card interest rate broke a new record this week as lenders continued to adjust APRs on new cards, according to the CreditCards.com Weekly Credit Card Rate Report.... (more)
Supreme Court OKs sports gambling – will credit cards? --Cards that allow betting at all treat it as a costly cash advance. That could change in wake of Supreme Court ruling allowing states to legalize sports betting... (more)
Your Business Credit
If I'm not liable for my company's credit card debt, why is a collection agency calling me? --If you have a credit card from the company you work for with your name on it, you can find yourself battling creditors if the corporation doesn't pay... (more)
Can the wine club I belong to charge my card before pickup? --Many subscription services charge your card on a set date every month, regardless of when you pick up or receive your purchase. ... (more)
Q&A: How should I fund my side business? --If you're looking to start a side gig or small business and need some money upfront, consider saving up a small fund to get started and work on building great credit to qualify for a business credit card later.... (more)
Should I fund my e-commerce business with credit cards? --If you're looking to start an e-commerce business through Amazon or another online marketplace, you should avoid credit cards until you have predictable orders and cash flow... (more)
Which business credit card should our church sign up for? --If you have a small business or nonprofit organization and need a business credit card, there are several options to help you get started on credit with little risk... (more)
Speaking of Credit
Credit score impact of ignoring card debt while living on Social Security income --If you have credit card debt and are living on Social Security income, you might be tempted to ignore the debt. But there might be other better options for your credit.... (more)
Forget the 30 percent credit utilization 'rule' - it's a myth --When it comes to credit utilization and your credit score, a very low credit-to-borrowing ratio is best, and it's a myth that your score falls off a cliff once you hit 30 percent ... (more)
Can immigrants transition from ITIN to SSN without hurting their credit score? --Replacing an ITIN with a SSN shouldn't have a major effect on your score, but you must ensure that your credit profile has been updated successfully... (more)
Paying off in full vs. settling maxed-out card debt --If you find yourself with enough cash to pay off maxed-out card debt, consider your options first, including impact on your score, taxes and fees.... (more)
Individual vs. combined utilization: Which one has greater effect on score? --Having at least one card with high utilization can hurt your score, even if your overall utilization is low. Here's what to do.... (more)
Products
Alaska Mileage Plan Dining program guide --Our guide shows you how to get more Mileage Plan miles out of the Alaska Mileage Plan Dining program.... (more)
Credit card product news --The latest on credit card launches, bonus offers and rewards program updates.... (more)
Chase’s new Ink business card offers a $500 bonus and 1.5 percent back on every purchase --In addition to offering unlimited 1.5 percent cash back on every purchase, the new Ink Business Unlimited card gives members a $500 cash back bonus after spending $3,000 in the first three months.... (more)
Credit card special offers, limited-time promotions --Our ongoing, updated list includes deals from retailers, airlines, hotels and more. Check back often so you don't lose out... (more)
AmEx Hilton Honors cards offer up to 125,000 bonus points for a limited time --American Express has updated the welcome bonuses for the Hilton Honors, Hilton Honors Ascend and Hilton Honors Business cards for new members who sign up by June 27, 2018. ... (more)
Podcast
Charged Up! podcast: Going from a cash-based to a cashless society --Journalist and author Jacques Peretti explains how our spending habits have changed over the last 15 years due to technologies such as PayPal... (more)
Charged Up! podcast: Getting your financial life in order --Learn how to finally get your finances under control with a month-by-month strategy developed by author John Schwartz... (more)
Charged Up! podcast: The lowdown on credit card rewards --Listen to rewards strategist and writer Tony Mecia's tips on making the most out of your credit card rewards... (more)
Charged Up! podcast: How to hustle your way to success --If you have big dreams but not big money, credit cards can help. Learn how to use your cards to help fund your goals and hustle along the way... (more)
Charged Up! podcast: Financial lessons for millennials --Whether you're a new graduate or wanting to finally understand finance, former trader and author Michael Taylor joins us to teach you the mathematical concepts you need to know to avoid debt and start building wealth now... (more)
Get to the Points
Active-duty military can get fees waived, special perks from rewards cards --Some credit card issuers waive annual fees for active-duty military members, so it may be worth considering applying for some high-end travel rewards cards.... (more)
Honor mom with a points-fueled trip of a lifetime --Instead of flowers and chocolates, consider surprising your mom with a trip she won’t forget using miles and points.... (more)
Figure out what your points are worth before you redeem --Knowing what a credit card point is worth can help you make an informed decision about which type of credit card points are best for redemption. ... (more)
Big changes, good and bad, coming to SPG AmEx cards --For current SPG American Express cardholders, there are big changes coming as loyalty programs merge with Marriott later this summer. Some are good (yay, free night), some not so much... (more)
6 hotels with water parks you can book with points --How hotel points can provide a place to sleep as well as provide entertainment with access to world-class pool complexes... (more)
Reaping Your Rewards
Ikea, Apple and other big brand cards are not great for rewards --If you're a fan of a certain brand, you may be tempted to sign-up for their credit card to earn points toward future purchases. But, many of the big brand cards don't offer as much in rewards as a straight travel or cash back card... (more)
Hotel cards: Get the most free nights for the fewest points --Hotel cards can offer some valuable redemption rates, but they're not as straightforward as airline points. Know which hotels give you the most free nights for the fewest points.... (more)
Using your credit card points for vacation rentals --If you have your heart set on an Airbnb, HomeAway or VRBO rental and are flush with credit card points, there are ways to apply your rewards to an apartment while traveling... (more)
Beware change fees with award tickets --If you are planning to book airline tickets with your credit card points, know what kind of fees the airline will impose if you later have to change or cancel the ticket... (more)
Use your credit card rewards to visit national parks --While visiting a national park might get you off the grid, you can use your credit card rewards beforehand to get you there for free... (more)
Matt About Money
How card rewards rescued my family's vacation --My family and I were set to travel to Spain over spring break, but a passport snafu nearly forced us to stay home. Here's how miles and points saved our vacation plans.... (more)
Why it's wise to keep a card open – and when it's OK to close it --Keeping a card open is the best way to keep your credit from harm, unless it might lead you to overspend. Here's what to do in that case.... (more)
4 things no one tells you about your credit score – but should --Having good credit is not as hard as you think. Here are four things that will help you stay on top of your credit without too much hassle.... (more)
Credit card fees you can (and can't) negotiate with your issuer --Not all credit card terms are negotiable, but many of them, including late fees and interest rates, are. These tips will help you get better terms on your card.... (more)
Shopping for a new credit card: 3 crucial questions to ask --The right credit card can mean major savings and generous perks. Here's what you need to ask yourself before applying to get the best card for you.... (more)
Have Cards, Will Travel
How to plan your summer rewards travel now --If you have a mound of points, great. If you don't, you can score a heap of points or a companion fare with a credit card sign-up bonus... (more)
Guide to flying with children and unaccompanied minors rules --When buying airfare for an unaccompanied minor, you may be able to pay with your card points and use a premium card's travel credits to cover the added fees.... (more)
How to earn an exotic vacation at the grocery store --You can earn an exotic vacation by using the right credit card when you fill your shopping cart at the grocery store. Start with a goal, and use the card that will help you achieve it.... (more)
Why savvy points earners always pick up the check --In the world of credit card rewards, there are literally hundreds of points on the table every single time you dine out... (more)
How points and miles can make first-class flights affordable --Credit card points and miles can make first-class flights affordable.... (more)
Business travel
Why is there such a big surcharge to book my 'free' flight with points? --If you plan on using award points to book a free flight on American Airlines' partner airlines, British Airways and Iberia, beware of hefty surcharges that can make your ticket feel anything but free... (more)
Airport lounge access for the whole family takes planning --If you're choosing a card or lounge membership for your business travel, consider signing up for one that will allow you also bring your family when you're on the road for a personal vacation... (more)
How to earn more points booking business travel --If you're a small-business owner on the road, learn how to use loyalty programs and credit cards to maximize the points you earn... (more)
Card or cash? When traveling abroad, you often need both --Credit card or cash? When you travel abroad, you need both plastic and local currency, as some places take cards and some are cash only... (more)
8 expenses you should never charge on a business credit card --From excessive client entertainment to payroll, there are some expenses you should not charge on your business credit card.... (more)