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Always, always go for Cash Back! Worked my butt off getting my score up after a bankruptcy, so I am definitely able to appreciate every score requirements, and benefits. Now sitting at 780, and I feel great! It's very hard, so if I can help someone climb that ladder, it'll make me that much happier.
You cant get the Amex SPG Business 35k bonus points offer anymore. It was a temporary promotion that expired in 2017 and may or may not return in the future. But that doesnt mean the card is …
Answer by: @nobarter
The Amex Business Gold 75k bonus is no longer available. It was a promotional offer that expired in 2017. The current Amex Business Gold bonus is 50k points when you spend $5,000 in the first 3 mon…
Answer by: @nobarter
Yes, it does. The foreign transaction fee for the Bank of America Platinum Plus Visa is 3%. Remember that the foreign transaction fee is in play both when youre traveling abroad and when you're purchasing f…
Answer by: @nobarter
Amex Business Platinum lounge access lets you visit over 1,000 airport lounges in 120 cities around the world, for free. You just need to show your Platinum card, a valid ID, and a boarding pass for a flight…
Answer by: @nobarter
Yes, youre going to want a 640+ credit score for Best Buy Store Card approval. Thats in the fair credit range but not quite at the bottom of it (620), so as to give you better odds of approval. Fair cr…
Answer by: @nobarter
The Citi Simplicity foreign transaction fee is 3% of any purchase you make in another country, or from merchants based outside the U.S. To put that in perspective, on a week-long trip where you spend $100 a …
Answer by: @nobarter
Theres no official Delta American Express Platinum upgrade offer that anyone can take Amex up on. But Amex sometimes presents targeted upgrade offers to certain customers. To check for one of these, log int…
Answer by: @nobarter
The best wedding credit cards are Chase Sapphire (big initial bonus and high limit), Capital One Venture (good travel rewards for the honeymoon), Citi Double Cash (consistent cash back) and Amex Everyday (0% financing). In other words, there are a lot of great wedding credit cards available, and the best one for you personally depends on how you plan to use it. You could pick a rewards card to get some of your money back or earn a vacation. Or you could choose a card with a 0% intro APR for extra time to pay off the party without interest.
Here are the best wedding credit cards:
All of the best options for wedding credit cards require good or better credit, but if you have fair/limited credit you could always go for something like Capital One QuicksilverOne, for 1.5% cash back on everything. For bad credit, try Discover it Secured, which offers 1%-2% cash back.
You should just always consider what portion of the card’s credit line you’re using up, as utilization over 30% can hurt your credit score. So you may want to make charges and pay them off throughout the month so you can keep spending more. Congrats on the wedding!
You probably won’t be able to get a Best Buy credit card with bad credit. You definitely can’t get a Best Buy Visa, as that demands good credit (660+). And you’ll have a hard time getting approved for the Best Buy Store Card, which requires fair credit (620+). So if you apply, you’re probably going to get denied, and you’ll still have a hard inquiry on your credit report damaging your score further. Your best bet at the moment is to focus on improving your credit score, which will in turn improve your Best Buy Store Card approval odds.
Here’s how to get a Best Buy credit card with bad credit:
It’s not wise to apply for a Best Buy credit card with bad credit. But it’s not too difficult to move from bad credit to fair credit and drastically up your odds of approval. Just use a secured card responsibly.
The American Express Premier Rewards Gold Card’s credit limit actually varies from month to month. In other words, the card has no preset spending limit (NPSL). That doesn’t mean Amex PRG offers unlimited spending. Rather, your starting credit limit will be disclosed to you when you’re approved for an account, and Amex may adjust it over time, based largely on your payment history. But they won’t tell you when it changes, so you won’t know exactly what your limit is most of the time.
NPSL is a common feature among charge cards such as Amex Premier Rewards Gold. You also have to pay a charge card’s balance in full every month to continue making purchases. But if you do so, and otherwise manage your finances responsibly, you may enjoy regular credit limit increases.
Here’s what affects American Express Premier Rewards Gold Card credit limits:
Along those same lines, Amex may not check your actual credit score every month, but you should. It’s a good general indicator of your financial performance. The same factors that lead to a higher credit score will likely lead to a higher limit. And the reverse is true, too.
Unfortunately, you can never be sure what your American Express Premier Rewards Gold Card credit limit will be, but you can at least predict whether it will go up or down based on these factors.
Amex Business Platinum lounge access lets you visit over 1,000 airport lounges in 120 cities around the world, for free. You just need to show your Platinum card, a valid ID, and a boarding pass for a flight that day, in most cases. All of the Amex partner lounges allow you to bring at least one guest or immediate family members for free.
Here’s where you can go with Amex Business Platinum lounge access:
Amex Business Platinum access means you can sit in a comfy chair, have a drink, and sometimes even take a shower while you wait for your flight to leave. Different lounges have different amenities, but you can find out the details on the Amex website, along with hours and locations.
The Chase Sapphire Reserve APR is currently 17.24% - 24.24% (V), depending on how good your credit is. So if you have perfect credit, your Chase Sapphire Reserve APR might be near 17%. But if you barely have the excellent credit needed for approval, you’ll probably pay 20%+. That rate applies to both purchases and balance transfers. But it won’t apply to you if you pay your bill in full every month.
It’s also worth noting that if you apply a few months from now, Chase Sapphire Reserve’s APR will probably be a bit higher. The “(V)” at the end stands for “variable,” and it means the APR is tied to another interest rate. And rates in general are rising right now. This regular rate isn’t the only Chase Sapphire Reserve APR you should know about, either.
Here are the Chase Sapphire Reserve APRs:
There is no 0% introductory Chase Sapphire Reserve APR. And the rates Reserve does charge are quite high. Those are both clues that this card was not built for carrying a balance from month to month. Besides, Chase Sapphire Reserve is plenty expensive without letting interest rates eat into your rewards. So if you get it, make sure to pay in full every month.
There’s no official Delta American Express Platinum upgrade offer that anyone can take Amex up on. But Amex sometimes presents targeted upgrade offers to certain customers. To check for one of these, log into your American Express account and select “Amex Offers.” You’ll see whether you have any upgrade offers. If you don’t see any offers, you can still request an upgrade. Call customer service at 1-800-528-4800, and say “Apply for upgrade” when the automated system asks what you want to do. After you enter your card number, a representative will check whether you’re eligible. You should get a decision in a few minutes.
That’s all you have to do to apply for an upgrade. But before you do, there are a few more details you should be aware of.
Here’s how Delta American Express Platinum upgrade offers work:
There’s also a different type of Delta American Express Platinum upgrade offer. Delta Amex Platinum card members can earn up to 25,000 Medallion Qualifying Miles in their first year, and 20,000 every year after that. If you earn 25,000 Medallion Qualifying Miles and spend $3,000 on Delta purchases, you’ll earn Medallion status. Medallion members are eligible for available complimentary seat upgrades on all Delta flights.
There are two kinds of credit cards for a 550 score: secured credit cards and unsecured credit cards for bad credit. A 550 credit score is within the bad credit range, unfortunately. Bad credit goes from 300 to 639. But picking the right 550 credit score credit card and using it responsibly could help you improve your score to “fair” territory within 12-18 months.
The best credit card for a 550 score is the OpenSky Secured Visa. There’s no credit check when you apply, so approval is almost guaranteed. You just need at least $200 for a security deposit and enough income to make monthly payments. It also reports to all three major credit bureaus every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.
The Discover it Secured Card is another great 550 credit score credit card. It has no annual fee and actually rewards you for making purchases. A 550 credit score won’t keep you from getting approved either. But a pending non-chapter 7 bankruptcy will.
Those aren’t the only credit cards you can get with a 550 credit score. If you’re looking for a card with no deposit, the Credit One Bank Platinum Visa for Rebuilding Credit is the best you’re going to do. But it has an annual fee of up to $99. And it’s probably a bit stingier with approval than secured cards. In particular, you may run into issues if your monthly income isn’t at least a couple hundred dollars higher than your expenses. So consider all your options.
Here are the best credit cards for a 550 score:
Before applying for a card, make sure to check out its terms and conditions, or a FAQ page if there is one, just to make sure you fit the criteria for eligibility. You can also try getting pre-approved for a credit card. It won’t hurt your credit.
The best secured credit card for students is Discover it Secured, as it adds 1%-2% cash back rewards on top of no annual or foreign transaction fees. There aren’t any secured cards that are specifically for students, but students can definitely qualify for any of them. Secured cards are best for students with bad credit or those under the age of 21 who don’t have independent income. Students with limited or no credit history can get unsecured student credit cards with much better terms, as long as they have a bit of their own money saved up. Capital One Journey Student Rewards and Discover it Chrome for Students are two of the best options.
Here are the best secured credit cards for students:
If you’re a student with bad credit, a secured card is right for you. But if you have limited credit or better, there are plenty of unsecured student credit cards you can get that will pay you, rather than the other way around.
The Citi Simplicity foreign transaction fee is 3% of any purchase you make in another country, or from merchants based outside the U.S. To put that in perspective, on a week-long trip where you spend $100 a day, you’d pay an extra $21 in fees by the end. That’s not ideal, but it’s because the Citi Simplicity Credit Card isn’t designed for international travel. Not only is there a foreign transaction fee, but the card doesn’t give you any rewards.
Even though Simplicity isn’t a great card for travel, you should still know how the fee works if you’re planning to use the card abroad. That way, you won’t have any unpleasant surprises once your statement comes.
Here’s how the Citi Simplicity foreign transaction fee works:
The Citi Simplicity foreign transaction fee makes it a poor choice for a travel card. But that doesn’t mean it’s a bad card for everything. With an 18-month 0% intro APR for balance transfers and purchases, it’s one of the best cards available for carrying a balance. And while you should strive to never miss a payment, you won’t be charged a late fee or a penalty rate if you do.
Plus, there are plenty of interesting alternatives to consider for your international spending. If you’re planning to pay for your international purchases in full by the due date, you should focus on a travel rewards credit card. Capital One Venture and Barclaycard Arrival Plus are great options.
Using such a card could work even if you will wind up with a balance. For example, you could qualify for its initial bonus with your international spending and then transfer any amount you can’t pay by the due date to a 0% balance transfer credit card. Just bear in mind that 0% transfer offers aren’t guaranteed to be available. There are some credit cards with 0% rates and no foreign fees, too, including Discover it – Cashback Match.
Airline credit cards can be worth it if you travel frequently with a certain airline. You’ll often get extra rewards for buying your tickets from that airline and may receive special perks like early boarding or free checked bags. You can also get general miles cards that aren’t partnered with any specific airline. Those cards often provide more versatility and better overall value than airline-branded cards. Let’s look at some examples of both types.
Here are airline credit cards that are worth it:
A lot of airline cards will also have other travel-related perks. You might get insurance for travel accidents, trip cancellation, lost baggage, and/or rental cars. Read through your card’s terms and conditions to see all the benefits, and shop around to find the best airline card for you.