Credit Card Guides

Quick Summary A Credit Card Concierge is not a gimmick, but its value is highly situational. It acts as a free personal assistant, best used for specific, time-consuming tasks. The service excels …

Quick Summary The best travel rewards credit card for a beginner is one that aligns with your spending habits, not one that forces you to change them. Focus on three key factors: …

Quick Summary Beyond Points: A top-tier travel perks credit card offers value far beyond just earning miles. This guide focuses on the cards that provide the best tangible benefits like airport lounge …

Quick Summary Customer Acquisition: Banks offer 0% APR credit cards as a powerful marketing tool to attract new, creditworthy customers in a highly competitive market. Interchange Fees: Even if you pay zero …

Quick Summary The Amex Platinum is a benefits card, not a spending card. Its value comes from a vast collection of luxury travel perks and statement credits, not from its earning rates …

Quick Summary The minimum payment is not a suggestion; it’s a trap. It is a mathematically calculated number designed to keep you in debt for as long as legally possible, maximizing the …

Quick Summary The Annual Free Night is the Star. The core value of this Marriott Bonvoy credit card is the Free Night Award (worth up to 35,000 points) you receive each year …

Quick Summary Minimum payments are not a suggestion; it’s a trap. It is a mathematically calculated number designed to keep you in debt for as long as legally possible, maximizing the interest …

Quick Summary Step 1: Confront the Numbers. You can’t fight an enemy you don’t understand. The first step to tackling credit card debt is to create a master list of all your …

Quick Summary Know the difference between a soft and hard inquiry. Asking your issuer for a credit line increase may trigger a hard pull, which can shave a few points off your …