What a better time to add a new member to your family than the holiday season. Whether you are 4 or 74, animal lovers everywhere are welcoming new furry friends into our homes and into our hearts with wagging tails and purrs galore. That said, many say that money can’t buy you love, but Petfinder.com proves otherwise.
A decision I have started thinking about is whether I’ll keep the Sapphire Preferred card open when the first year is up in June 2017, when I’ll have to pay an annual fee of $95 to keep the card. Point Savvy wisely suggested I look into opening another Chase card so I can keep my reward points and avoid paying an annual fee. Chase Freedom and Chase Freedom Unlimited are two card that offer cash back rewards with no annual fee.
We have all have witnessed the sight of the typical parent dropping their kid off at college. With a ton of pride, tears in their eyes, a little anxiety and a touch of fear, we parents leave our kids alone for the first time to blaze their own path socially, academically, and yes…financially.
With credit card sign-up bonuses ranging from 10,000 – 100,000 points or miles, these rewards can be redeemed for hundreds of dollars. A credit card with an offer of 50,000 bonus points can be worth at a minimum of $500. Are these credit card rewards taxable?
If you are like us, you’re spending the warm weather outside grilling, cooling off by the pool, and beginning to enjoy your summer. Why not take advantage of the best credit card for your summer spending and beyond by putting more money in your pocket for the items that you buy everyday.
At Point Savvy, we constantly are comparing travel and reward credit cards, normally for those of us that are a bit more seasoned and credit established. With graduation season arriving, we started thinking about the new group of adults, soon to be leaving home and obtaining some independence – The College Student.
From dry cleaning to haircuts, women like us often pay more due to gender pricing. Although paying more, we are undoubtedly receiving less. So while you wait for your local representative to ban gender pricing, get a credit card that can get you more money back. The best credit cards for women will be cards that offer more cash back and rewards on those everyday necessities that are priced noticeably higher.
If you’re looking for the best way to save money on travel, look into combining the new Chase Freedom Unlimited Card with the Chase Sapphire Preferred Card for a winning combination.
The Barclaycard CashForward World MasterCard is all about straightforward rewards.
The easiest cash back card to manage is the Barclaycard CashForward World MasterCard. There are no rotating bonus categories or an allegiance to an airline or hotel. Flat out – it’s simple. It is not the highest rewards credit card out there but this card is far from complicated.
My best advice to someone who has become comfortable with a debit card is that you need to change it up and get more out of life. Similar to starting a diet or adding exercise to your life, choosing a credit card is about making a change for the better. As a debit card user, you’re used to taking money directly from your bank account.
I have asked many of my friends what credit card they carry? I am shocked to learn the most common answer is they only use a debit card. Some had a terrible credit card experience in the past and now have a fear of them. They screwed up their finances and feel more in control using a debit card now.
When I was in the market to buy a new car last year, I wanted to make sure I got the best deal possible – and that included maximizing any opportunity I could to earn points or miles on my purchase. But I wasn’t sure whether my car dealer would allow me to buy a car with a credit card.
A debit card user buys a bottle of water for $2 and gets the bottle of water. A rewards credit card user buys the a bottle of water for $2 and gets (1) the bottle of water, (2) an impact on their credit score rating, (3) strong fraud and identity protection, and (4) travel reward miles or cash back points. In other words, debit card users are losing out on many benefits when making everyday purchases.
From dry cleaning to haircuts, women often pay more due to gender pricing. Although paying more, they are undoubtedly receiving less. So while you wait for your local representative to ban gender pricing, you need a credit card that can get you more money back. The best credit cards for women will be cards that offer more cash back and rewards on those everyday necessities that are priced noticeably higher.
A friend asked if I could help her choose a credit card that rewards her for all the purchases she makes every month. I just had to laugh when she confessed that currently, the only return she gets for her spending is a good argument with her husband every time the credit card statement arrives.
As the Denver Broncos and Carolina Panthers go head-to-head in the big game this Sunday, NFL fans can score a win themselves with the NFL Extra Points Credit Card, with $100 cash back plus chances for a 2-point “conversion.”
If you have a TD Ameritrade brokerage account, no doubt you would welcome the opportunity to add more cash to your account. Right now, TD Ameritrade is offering clients the chance to earn $100 cash back when they open a TD Ameritrade Client Rewards Credit Card.
We’ve reviewed the top credit cards in these categories to give you our picks for the best cards offering the greatest rewards on your gas and restaurant spending. Everyday expenses add up fast. If you’re always driving around town car pooling with the kids or coworkers, taking clients out to lunch, and treating yourself to fine dining, you should at least get something in return for all those expenses.
One of my favorite things about visiting my friends in New York is the endless number of places to eat – from your hole-in-the-wall bar to five-star dining. New York has delis, fabulous sushi restaurants, low-key pizza joints, cheap Chinese, and of course a Starbucks on every corner. With that said, my least favorite thing to do when I leave New York is look at my terrifying credit card statement and realize I could have bought a plane ticket to Mexico…
Cash back credit cards reward you by reimbursing 2%, 3% or even 5% of what you spend in specific categories, plus 1% of what you spend on anything else. You’ll need to know which categories will earn you more cash back, and may have to deal with quarterly rotating categories and even register for the extra rewards each time they change.
Trips to the grocery store and the gas station could come with money back in your pocket. Everyday expenses like these add up fast, with the average family spending $300 a week on groceries and $100 on gas, even with prices reaching an all-time low.
I have had many credit cards over the years and never had a reason to access the Purchase Protection benefit – a great service that comes with a Visa Signature card. But I was finally put to the challenge when a new light fixture that I had purchased, still in the box, was totally destroyed.
When you are looking for the best credit card for your business, you should make sure you are getting a sound financial opportunity. One that is simple. One that saves you money. An opportunity that will give you the financial tools – and rewards – you need to build your business.
From offering bonus points and miles to waiving the annual fee, many rewards credit cards give loyal cardmembers great incentives to keep their cards and use them even more. Here are a few recent offers we’ve seen online and in our inboxes.
One of our Point Savvy staffers has an investment account with Ameriprise Financial® and carries the Ameriprise World MasterCard®. What attracted her to the card is the fact that she can redeem her rewards points for cash back into her investment account. So she wouldn’t have to do anything outside of her normal routine in order to get cash back deposited directly into her retirement fund.