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Hey guys! Besides seeing debt every day at work, I also played quite a lot with credit cards. They look scary at first, but if you take each segment, bit by bit, and really think about it, you'll see everything is very simple, and generally just straightforward.
You probably cant get a Walmart credit card with bad credit because even the Walmart-only version requires fair credit for approval. That means your chances are best if your credit score is 640+. Thats…
Answer by: @blackhole1
The best credit cards with no annual fee and no foreign transaction fee are the Capital One VentureOne Visa and the HSBC Cash Rewards Mastercard . Thats because they offer the most rewards in addition to…
Answer by: @blackhole1
The Capital One credit card benefits include rental car insurance, travel insurance, an extended warranty plan and purchase protection. Those arent the only benefits, but they are the most valuable and th…
Answer by: @blackhole1
The American Express Blue Cash foreign transaction fee is 2.7%. And while there are actually two different Amex Blue Cash cards, American Express Blue Cash Everyday and American Express Blue Cash Preferred, th…
Answer by: @blackhole1
The easiest department store credit card to get approved for is the Fingerhut Credit Account, but thats only if you count an online retailer / mail catalog as a department store. Its the only store card …
Answer by: @blackhole1
Chase Sapphire Reserve benefits are many in number and high in quality. They range from extra value for earning and redeeming travel rewards to a $300 annual travel credit and airport lounge access. But these good benefits come at a price: Sapphire Reserve has an annual fee of $450 per year. So you need to know you’ll get enough value from Reserve’s perks before you apply. And to make that call, you have to be aware of what’s available.
Here are the Chase Sapphire Reserve benefits:
As you can see, Chase Sapphire Reserve is packed full of benefits. If you travel all the time, you’ll probably get more than your money’s worth. But if you’re a less frequent traveler and not a heavy spender, the $450 annual fee might make you want to think twice.
The Capital One credit card benefits include rental car insurance, travel insurance, an extended warranty plan and purchase protection. Those aren’t the only benefits, but they are the most valuable and the most common. Not every card has every perk. Capital One’s credit card benefits actually come from Visa and Mastercard. And there are 5 different types of Visa cards, each of which has its own set of benefits, plus 6 classes of Mastercard. So it’s important to figure out which perks apply to your card.
Here are the most common Capital One credit card benefits:
The other Capital One credit card benefits are roadside dispatch, price protection, trip cancellation insurance, lost baggage insurance, and baggage delay insurance. But only a few cards come with those perks, so you can’t count on them. For example, Venture, VentureOne and Quicksilver are the only personal cards that come with lost luggage insurance.
Plus, all of the Capital One credit card benefits have restrictions of some kind. For instance, none of the benefits cover illegal behavior or damaging your property on purpose. And you can’t get insurance for antiques or certain other valuables. You can find the full list of exclusions in your card’s benefits guide.
The best credit card for study abroad is either Journey Student Rewards from Capital One the Bank of America Travel Rewards credit card for Students. Capital One Journey combines easy approval, no foreign transaction fees and great rewards, offering at least 1% cash back on all purchases. But BofA’s student travel card is quite enticing, too, offering a 20,000-point initial bonus, 3 points per $1 spent on travel and a few other perks. It doesn’t charge foreign fees, either.
If you’re going to spend most of your time in a foreign country in the near future, you definitely want a card that won’t charge you extra on international purchases. But there are actually several options that may be best, depending on your individual needs and wants.
Here are the best credit cards for study abroad:
All of these cards are strong contenders to be the best credit card for study abroad. That’s especially true considering they offer a lot more than rewards and low fees. You’ll also receive perks like travel insurance to give you even more peace of mind when you set out for your new home for the semester.
There are four ways to earn a Chase Freedom bonus: spending $500 in the first few months, activating quarterly bonus categories, referring a friend, and adding an authorized user. All four Chase Freedom bonuses are fairly easy to earn, but you do need to take some very specific steps to get them. And that may include doing a bit of waiting. It typically takes 1 to 2 billing cycles for bonus rewards to show up in your account. It’s also worth noting that while Chase Freedom’s bonuses are advertised as cash back, they’re actually points that you can trade for cash at a rate of 1 cent per point.
Here’s how to get each Chase Freedom bonus:
Your Chase Freedom bonus points can be traded for cash back, gift cards, or travel at a rate of 1 cent per point. Just remember to give Chase 1-2 billing cycles to deliver them to your account. If it’s been longer than that, you can always call the number on the back of your card to ask about it.
You can redeem Chase rewards for gift cards, travel and cash back, either online or over the phone. You can also use points with Chase Pay. Chase points are generally worth one cent each when redeemed for cash back, gift cards and travel. To redeem online, go to the Chase rewards site. For phone redemption, call the number on the back of your card and say you want redeem rewards. If you’re redeeming for cash, you can also go to a Chase branch. You’ll get your money as a statement credit, or as an electronic deposit to the bank account of your choice.
Now, let’s talk about the most effective ways to redeem your points on different Chase cards.
Here’s how to redeem Chase rewards:
Here’s how to redeem Chase rewards for maximum value:
Different Chase cards have different rewards programs. One card might give you the most rewards for travel, another for everyday purchases. Certain redemption methods may offer more value with some cards too. So you’ll want to pick a card whose reward structure matches your lifestyle, and then pick the redemption method that best suits that card.
In general, you’ll get the most value when you redeem Chase rewards for cash back or travel, depending on which Chase credit card you have. For all Chase cards except Chase Freedom and Chase Freedom Unlimited, you can also transfer Chase points to the airline loyalty program of your choice. You get 1 mile per point, but since airlines change the dollar value of their miles, there’s no stable earning rate for points redeemed this way.
Your Chase Freedom points don’t expire. The only way you can lose them is if you close your account (or Chase does it for you because of missed bill payments). That applies to all Chase rewards cards, by the way. But even though you can keep your Chase Freedom points indefinitely, it’s still a good idea to redeem them often. You don’t want to forget to use them, and you do want to avoid rewards devauation. But before getting into devaluation, let’s cover the specifics of point loss. Chase gives five different conditions where this can happen.
These are the reasons you might lose Chase Freedom Points:
So, you have to basically be doing something really wrong to lose your points. Otherwise, you can accumulate as many as you want. But it’s best for you to redeem your points frequently. Because the rewards aren’t proper cash back, it’s possible for Chase to devalue them. For example, they could say that rather than 1 cent per point, the new rate is 0.8 cents per point, and you’d suddenly have 20% less value. So it’s always best to be careful and redeem often.
You probably can’t get a Walmart credit card with bad credit because even the Walmart-only version requires fair credit for approval. That means your chances are best if your credit score is 640+. That’s not to say getting a Walmart credit card with bad credit is impossible. Each applicant’s situation is unique, and Walmart looks at factors such as income too. But it’s very unlikely, and not worth the additional credit score damage applying will do. That said, a Walmart credit card isn’t out of your reach forever. It’s possible to go from bad credit to fair credit in months, or even weeks, if you make the right moves.
Here’s how to get a Walmart credit card with bad credit:
So it’s unlikely you’ll get approved for a Walmart credit card with bad credit, but you can certainly work your way up to fair credit pretty quickly.
The PNC foreign transaction fee is 3% of the purchase amount when you buy something in a foreign country or from a merchant based outside the U.S. Most PNC cards have this 3% foreign fee. But there are three exceptions that don’t charge foreign fees: the PNC Premier Traveler Visa Signature Card, the PNC Travel Rewards Visa Business Card, and the PNC Business Options Visa Signature Card. You can only get the last two options if you own a small business, but anyone can get the Premier Traveler Card.
Here are the credit cards from PNC with no foreign transaction fee:
There are a several ways to avoid PNC foreign transaction fees. One is by getting the right PNC credit card. But your options are limited that way. So you might want to consider getting a no foreign transaction fee credit card from another bank or credit union. That way, you’ll have a broad selection to choose from. Some of the best offers include the Capital One Venture and Chase Sapphire Preferred cards, which both offer a 50,000-mile bonus and charge just $10 more per year than the PNC Premier Traveler card.
The longest 0% APR credit cards are Citi Diamond Preferred and Citi Simplicity, which both offer 21 months of no interest. Such a long period of 0% interest can be really helpful if you need to make a big purchase but can’t pay it all off right away. You can avoid interest entirely if you pay in full by the time the intro rate ends. And if you can’t manage that, you’ll at least have a smaller balance when interest kicks in.
It’s important to note that some store cards may offer 0% interest for longer than 21 months, but they use deferred interest. That is, you earn interest on your balance during the 0% period but don’t have to pay that interest if and only if you bring your balance to $0 before the 0% period ends. The JCPenney Card is one example, offering 48 months of deferred interest. But those cards are best avoided because there’s a chance you’ll get blindsided by interest charges. So they’re not really eligible to be in the running for longest 0% APR.
Here are the longest 0% APR credit cards:
None of these cards offer rewards, but they’re meant for financing rather than regular spending. And you can use a different card for purchases you’ll pay in full each month. All of these cards also require good credit (so you should shoot for 700+ before you apply).
The easiest department store credit card to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s the only store card you can get with bad credit. Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also means you should choose your card based on where you shop the most and which offers the most rewards, since there isn’t much of a difference in their approval requirements. Let’s take a look at a few good options.
Here are some of the easiest department store credit cards to get:
There are plenty of other department store cards with great deals too. For example, Lord & Taylor, TJX, Saks Fifth Avenue and Sears all give savings and perks that are worth looking at. Just remember that department store credit cards can only be used at the store that issued them (and sometimes affiliates), so apply for a card from somewhere you know you’ll shop on a regular basis.