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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.
One of the best credit cards with lounge access is Chase Sapphire Reserve, giving you a Priority Pass Select lounge membership ($399 annual value) that gets you into 1,200+ lounges worldwide. Depending on the …
Answer by: @blackhole1
The Blue Cash Everyday credit score requirement is good credit or better. A 700 credit score would give you a decent chance of being approved. The likelihood of approval increases the closer you get to a perfe…
Answer by: @blackhole1
The only way to get PNC pre-approval for a credit card is through an offer in the mail. Like other credit card companies, PNC mails pre-approved offers to people they think are good candidates to apply and get…
Answer by: @blackhole1
The American Express Plum Cards credit score requirement is good or better. That means you need a credit score of 700+ for a realistic shot at approval. It is possible to get Amex Plum with lower scor…
Answer by: @blackhole1
You wont be able to find a secured credit card with no deposit, because the deposit is what makes the card secured. But if you dont want to put down a big deposit, you can get a partially secured ca…
Answer by: @blackhole1
The Chase Sapphire Reserve balance transfer fee is $5 or 5% of the total transfer, whichever is greater. The Chase Sapphire Reserve balance transfer interest rate will be somewhere between 17.…
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.
Yes, you can use your Discover card in China. In general, Discover has less international acceptance than two of the other payment networks, Visa and Mastercard. But in China, Discover states that they have “high merchant acceptance,” which is actually the same phrase they use to describe their acceptance in the United States. In fact, you should be able to use your Discover card everywhere in China except for most merchants in Hong Kong and Taiwan. Within mainland China, you can use it at any merchant that displays a Discover, Diners Club or UnionPay logo (and you can always ask if you don’t see one). UnionPay is a Chinese credit card network, and all mainland Chinese merchants who take credit cards accept UnionPay. But in Hong Kong and Taiwan, you can only use your card if you see a merchant with a Discover or Diners Club logo.
Here’s what you need to know about using a Discover card in China:
It’s easy to use your Discover card in China, compared to a lot of countries. But you still shouldn’t expect 100% acceptance. It’s always useful to have some extra cash on you, or bring a card with higher global acceptance like a Visa or Mastercard.
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, they both charge the same foreign transaction fee.
If you’re planning to use either card with merchants outside the U.S., there are a few more details you should know.
Here’s how the Amex Blue Cash foreign transaction fee works:
The Amex Blue Cash foreign transaction fee isn’t the highest out there. For instance, the Bank of America Cash Rewards card charges a fee of 3%. But when there are so many cards with no foreign transaction fees – all Capital One and Discover cards, for example – 2.7% looks pretty steep. If you’re a frequent traveler, you’d be better off using a travel credit card, since they generally don’t charge a fee. And keep in mind that Visa and Mastercard both have better international acceptance rates than Amex.
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 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.
Capital One Quicksilver’s benefits are many in number and high in quality, ranging from great cash back rewards to travel insurance to protection for items you buy. That’s why Quicksilver is a very solid choice for people with good credit and one of the best rewards cards currently on the market, in my opinion.
Here are Capital One Quicksilver’s benefits:
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.