Credit Card Guides

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 …

Quick Summary The Discover it® Secured delivers industry‑leading rewards on gas and dining (2% back on up to $1,000 in combined purchases per quarter and 1% elsewhere) and doubles all cash back earned …

Quick Summary Capital One Venture X is a well-rounded choice thanks to its generous welcome bonus, big travel credits and lounge access; it earns 10x miles on hotels and rental cars booked …

The credit-card landscape in 2025 offers one blessing for people carrying high-interest debt: a handful of cards still waive interest for extended periods when you transfer your balance (Balance Transfer). With inflation …

Quick Summary Flat-rate ~2% = simple, less upside. Foodies/commuters: 3–4% dining/transit; watch FTF & redemption floors. Grocery-heavy: 5% up to monthly/quarterly caps. Travelers: portal bonuses + no foreign fees preferred. Hate tracking? …

Quick Summary A balance transfer is a powerful debt-fighting tool. It allows you to move high-interest credit card debt to a new card with a 0% introductory APR, typically for 12 to …

If you’re serious about boosting your credit score, there’s one factor you can’t afford to ignore: credit utilization ratio. Think of it as the silent power player in your credit profile. Even …

1) What a Credit Score Really Is (and Why It Matters) Your credit score is a powerful three-digit number—typically between 300 and 850 in the U.S.—that summarizes the risk you won’t repay …

Who This Guide Is For Note (US-only): This guide applies to the United States. Credit bureaus, terms, and card products referenced are U.S.-specific. The 5-Step Plan to Your First Credit Card Step …