Capital One Quicksilver Review Summary

The Capital One Quicksilver Cash Rewards Credit Card is a good credit card for people with above-average credit scores who want to earn rewards without paying for the privilege or putting too much thought into the process. Capital One Quicksilver offers a $0 annual fee, 1.5% cash back on all purchases and an initial bonus of $200 for spending $500 in the first 3 months. Plus, new applicants currently get a 0% introductory interest rates on purchases and balance transfers for up to 15 months. The card’s regular APR of 16.49% - 26.49% (V) applies after that.

Credit card transactions are processed through a variety of platforms, including brick-and-mortar stores, e-commerce stores, wireless terminals, and phone or mobile devices. The entire process — from the time you slide, tap or otherwise use your card until a receipt is produced — takes place within two to three seconds.

Although being familiar with the credit card transaction process may not seem useful to the average consumer, it provides valuable insight into the inner-workings of modern commerce as well as the prices we ultimately pay at the register. What’s more, knowledge of the credit card transaction process is extremely important for small business owners since payment processing represents one of the biggest costs that merchants must confront.

Citi Simplicity Review Summary

The Citi Simplicity® Card is a very good 0% credit card for people with good credit. Citi Simplicity offers intro rates of 0% for 21 months on balance transfers and 0% for 12 months on new purchases, and it has a $0 annual fee. The interest-free period that the Simplicity Card provides for balance transfers is about eight months longer than average. That gives you plenty of time to pay off credit card debt without it getting more and more expensive along the way.

BankAmericard Credit Card Review Summary

The BankAmericard® credit card is a very good credit card for people with excellent credit who want to avoid interest on credit card debt. The BankAmericard is worth it because it has a $0 annual fee and 0% introductory APRs for purchases and balance transfers that last for the first 18 billing cycles (15.24% - 25.24% Variable APR after that). If you transfer a balance, you just have to do so within 60 days of opening an account to get the intro rate.

Marcus by Goldman Sachs Personal Loan Review Summary

Marcus personal loans are ideal for people with good-to-excellent credit scores, offering APRs as low as 6.99%. The minimum credit score requirement for a Marcus personal loan is also reported to be around 730+ VantageScore or 720 FICO score. Plus, one of the best parts about Marcus personal loans, provided by a division of Goldman Sachs Bank, is that they’re completely fee-free. Marcus won’t even charge a late fee, unlike many major lenders.

In 2022, Americans are dealing with the worst inflation in over 40 years, with the year-over-year inflation rate at 9.1% in June. This explosive inflation is driven by a variety of factors, including the continued presence of the COVID-19 pandemic, the war in Ukraine and labor shortages. The Federal Reserve is hoping to rein in inflation with aggressive interest rate hikes this year, but exactly how much of an effect that will have remains to be seen.

Inflation is growing more quickly in some places than others, though. In order to determine the cities where inflation is growing the most – and thus is the biggest problem – WalletHub compared 23 major MSAs (Metropolitan Statistical Areas) across two key metrics related to the Consumer Price Index, which measures inflation. We compared the Consumer Price Index for the latest month for which BLS data is available to two months prior and one year prior to get a snapshot of how inflation has changed in the short and long term.

To get a credit card, start by checking your credit score and comparing credit offers online, then click “Apply Now” once you find the best option. From there, you’ll fill out a straightforward credit card application on the issuer’s secure site, and you’ll generally find out whether you’ve been approved right away. Your card will arrive in the mail soon thereafter.

Below, we’ll take a closer look at the specific steps involved in getting a credit card.

You can check your credit score for free in less than two minutes on WalletHub, the first site with free daily credit score updates. Just quickly confirm your identity, and you’ll get access to your latest credit score, based on your TransUnion credit report. You’ll then be able to check your score for free at any time, on any device – including your smart phone and tablet.

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