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Revolving balance? Revolving door.
The only American Express card for people with no credit is
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You can get a credit card for the first time with no
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The best credit cards for a 720 credit score include Capital One Venture, which offers a 50,000-mile initial bonus, and Citi Double Cash, which gives a combined 2% cash back on all purchases. Another top card …
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The best credit card balance transfer promotions right now are from the Amex EveryDay and Chase Slate cards. Both have introductory balance transfer APRs of 0% for 15 months, along with a $0 balance transfer f…
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The Universal Studios credit card promotions are discounts for American Express credit card users. Amex cardholders get a 10% discount when buying $75+ in merchandise at Universal Studios Florida or Universal…
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The Chase Sapphire Reserve cash advance fee is $10 or 5% of the transaction amount, whichever is greater. And the Sapphire Reserve cash advance rate, which kicks in right away, is 26.24% (V). So its a pre…
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A credit card isnt very big; the standard dimensions are 3.375 inches by 2.125 inches. Credit cards are pretty thin too. Theyre only 0.03 inches thick. [JK1] [AM2] [JK3] [AM4…
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The $300 Chase Sapphire Reserve travel credit applies to flights, hotels, trains, cruises, taxis, Uber, and Lyft. You can also get reimbursed for vacation packages and airline fees. Thats not an exhaustiv…
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One of the best Delta Airlines credit card promotions is 40,000 bonus miles when you spend $3,000 in your first three months with the Delta Reserve card. You also get a $100 statement credit if you make a…
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There is no Capital One Venture foreign transaction fee, and there isn’t likely to be one in the future. Capital One is one of only two issuers, the other being Discover, that don’t have foreign transaction fees on any of their cards. They probably wouldn’t change such a big part of their brand. Besides, Venture is a travel rewards credit card. Almost no travel credit cards charge foreign transaction fees because the issuers want to encourage people to spend money abroad. And if you had to pay an extra 3-5% on top of every purchase, you’d probably look for another card to use internationally.
So while Capital One does have the ability to change their cards’ terms in the future, it would be a really bad PR move. And if that did ever happen, they would be required by law to notify you in advance. For the foreseeable future, though, you won’t have to worry about paying a Capital One Venture foreign transaction fee when you make purchases abroad or through international merchants. The same also goes for Venture’s companion card, Capital One VentureOne. And fee or not, Venture is well worth keeping in your wallet because of its substantial miles earning rate on all purchases.
If you have more questions about Capital One’s policies, you can always call their customer service number at 1-800-227-4825.
Yes, there is an IKEA credit card, issued by Comenity Bank. It’s a store card, so it’s only usable at IKEA. IKEA also used to have a card issued by Synchrony Bank, but that one has been discontinued and replaced by the Comenity card. The new IKEA credit card doesn’t offer any rewards. But it does have a 4.99% introductory APR for 60 months. That’s deferred interest, though, meaning you’ll pay a lot more if you still have a balance after 60 months.
Here are the IKEA credit card’s terms:
While the IKEA Card’s financing period is long, 5 years to be exact, that makes its deferred interest feature all the more dangerous. A lot can happen in 5 years to derail your repayment plans and leave you saddled with expensive finance charges.
You’re much better off getting a general-purpose card with a real 0% APR. That is to say, a card whose regular APR will only apply to whatever balance remains at the end of its intro period. But you’ll need good credit to get such a card. Citi Simplicity and Chase Freedom Unlimited are two good examples.
There are two ways to request a Best Buy credit limit increase, online and by phone: 1-800-347-9700. You can’t get more than one Best Buy credit limit increase per six months. If you’re denied, you can apply again without waiting. But unless your circumstances have changed, it probably won’t work. You could receive an automatic limit increase when Citi reviews your file every six months. If this happens, you’ll see a notification when you log into your account. In order to get an increase automatically or by request, you must consistently pay your bill on time while actually making purchases with your card.
There are a few more important details, too. So I’ll walk you through the process below.
Here’s how to request a Best Buy credit limit increase online:
Here’s how to request a Best Buy credit limit increase by phone:
You could use a Best Buy credit limit increase to make bigger purchases. But consider keeping your spending the same and decreasing your credit utilization ratio instead. Credit utilization is part of your credit score, so improvements there should lead to a higher score.
You won’t be able to find a list of credit cards that use Equifax only because credit card companies: 1) don’t disclose which credit bureaus they pull from; 2) could pull from multiple bureaus for a single application; and 3) don’t always pull from the same bureau for a particular credit card offer. There’s some anecdotal evidence suggesting that a handful of issuers often pull Equifax reports when reviewing credit card applications, including Chase, Citi and Discover. But it’s hard to tell for sure, and you should take these suggestions with a grain of salt.
Here are some of the best credit cards that may use Equifax only:
As you can see, there are some attractive cards out there that may use your Equifax credit report during the approval process. But they won’t do it in all cases. You shouldn’t have to worry too much, though, because if one of your credit reports is good, the others probably are as well. If one is significantly lower than the others, you may want to check for errors.
Chase Sapphire Reserve vs. Capital One Venture is a win for Capital One Venture. Venture’s annual fee is only $95 and waived the first year, its initial bonus spending requirement is $1,000 less than Chase Sapphire Reserve’s, and it offers more flexible rewards redemption. You can use your Venture card points for any travel purchase. With Chase Sapphire Reserve, you have to redeem through the Chase travel portal. Venture is also an easier card to obtain, requiring just good credit vs. Reserve’s excellent. Finally, Venture offers 2x points on all purchases for a significantly lower annual fee, making it a much better everyday spending card. But just because Venture is better overall doesn’t mean it’s better for everyone. You might be an exception if you frequent airport lounges and plan to spend upwards of $1,400 on trips every year. If that’s the case, the Sapphire Reserve rewards will be worth the extra cost. But for the majority of people who would appreciate some travel rewards yet don’t necessarily travel enough to use perks like free airport lounge access, the Venture card is a better option.
Those are the key points, but you’ll need to know some specifics to make a truly informed decision. Let’s take a look at which card wins in some major categories.
Here’s who wins Chase Sapphire Reserve vs. Capital One Venture:
For Chase Sapphire Reserve vs. Capital One Venture, categories like balance transfer fees and purchase APRs aren’t that important. That’s because both cards are rewards cards, and the best way to get value out of them is paying your balance in full every month. Venture has a slight edge on Reserve because its lower cost and flexible rewards fit more people’s lifestyle.
The Chase Freedom calendar is a quarterly schedule for the Freedom Card’s 5% bonus rewards, which Chase postsChase Freedom offers 5% cash back on the first $1,500 spent in a new set of bonus categories each quarter. The Chase Freedom calendar shows what those categories are, along with details on what purchases apply. It also has a link to “activate” the current quarter’s bonus, which cardholders must do to earn the 5% rate.
The Chase Freedom 5% calendar is pretty straightforward and easy to use. Chase generally announces the new quarter’s bonuses during the month before they take effect. Some bonus categories repeat from year to year, as you can see from 2017 and 2018, but most don’t.
The 2018 Chase Freedom calendar for 5% bonus rewards is: Q1 – gas, telecom and mobile payments; Q2 – groceries and mobile payments; Q3 – gas, Lyft and Walgreens; and Q4 – department stores, wholesale clubs and Chase Pay. And the 2017 Chase Freedom bonus calendar was: Q1 – gas and commuting; Q2 – groceries and drugstores; Q3 – restaurants and movie theaters; Q4 – Walmart and department stores.
It’s important to look past the headlines, at the specifics, though. There are some details about where exactly Freedom’s 5% rate does and does not apply that you don’t want to miss.
Here is the current Chase Freedom Calendar:
Some of the Chase Freedom categories are very broad, and others are very narrow. On the online Chase Freedom calendar, click on the footnote next to each category to see what purchases qualify. Cardholders can activate each quarter’s bonus starting on the 15th of the month before. The last day to activate the categories for any given quarter is always the 14th of the last month in the quarter.
To activate Chase Freedom bonus categories, click “Activate Now” on the calendar and enter your last name, the last 4 digits of your card number and your zip code.
Unfortunately, Chase does not announce the Chase Freedom calendar for the whole year in advance. But there is at least a month’s notice, and Chase is very transparent about the activation dates. Just be sure to activate the bonus categories each quarter. And read the fine print to see which purchases qualify for 5% cash back.
There are two ways to get a Capital One Secured Card credit limit increase: depositing more money than required and consistently paying your monthly bill on time. The first option is available prior to account opening and the second after your account has been open for at least five months. I’ll walk you through both below.
Capital One Secured Card Credit Limit Increase Options:
1. Over-Deposit Before Getting Your Card
If you get approved, Capital One will require you to place a security deposit of $49, $99 or $200 to actually open your account. The deposit amount you’re assigned depends on your overall creditworthiness, but everyone starts with a $200 credit limit – unless you deposit more than is required, that is. Any amount you deposit above what’s required will boost your spending limit by the same amount. For example, if you’re required to place a $49 deposit and you put down $149, your credit limit will be $300 instead of $200.
You can actually raise your credit limit up to $1,000 this way. But that’s the absolute maximum, and you can only do it when you first send your deposit.
2. Pay On Time For 5+ Months
After account opening, the only way to get a Capital One Secured Card credit limit increase is to pay on time for 5 months. If you do, Capital One will likely raise your credit limit during the 6th month. By how much, though, is completely up to them. If you pay on time but other aspects of your credit get worse, you might not get an increase.
It’s also possible that Capital One will eventually return your deposit and transition you to an unsecured credit card with a higher credit limit. But that depends on how financially responsible you are.
Different secured cards have different rules regarding security deposits and spending limit increases. You can usually increase your limit by depositing more money, often at any time. But you generally can’t just call and ask for more spending power without giving the credit card company something in return. And Capital One certainly doesn’t allow that.
The only chance you have to get yourself more credit is at the very start when you send in extra money on top of your deposit. Otherwise, you’ll have to speak with your actions by paying on time until Capital One raises the limit themselves.
Amex EveryDay vs. Preferred comes down to differences in two major areas: fees and rewards. Amex EveryDay doesn’t charge an annual fee, while Amex EveryDay Preferred charges $95. Both cards offer supermarket rewards, but Amex Preferred offers 3 points per dollar, and Amex EveryDay offers just 2 points. Plus, Amex EveryDay Preferred lets you earn 2 points per dollar on gas as well.
Amex EveryDay and Amex EveryDay Preferred both offer you an initial bonus. While the EveryDay card gives you 10,000 points for spending $1,000 in your first three months, EveryDay Preferred gives you 15,000. Both cards also give you a bonus for using your card frequently. The EveryDay bonus is 20% extra points for making 20 purchases in a billing cycle, and the Preferred bonus is 50% extra points for making 30 purchases.
Those are the big differences, but there are a few more card details to keep in mind.
Here’s how Amex EveryDay vs. Preferred shakes out:
For both cards, your best redemption offers will be Amex travel bookings, Uber, and NYC taxi rides.
The difference between Amex EveryDay vs. Preferred is pretty straightforward. You pay less in fees every year, but you also get more rewards opportunities. Whether or not that tradeoff makes sense for you depends on how much you spend on groceries and gas.
The highest credit card interest rate in recent memory was 79.9% on a card offered by First Premier Bank in 2010. That offer’s not available anymore. The current highest credit card interest rate is 36%. That’s on the new First Premier Credit Card. The next highest credit card interest rate seems to be 29.99%, charged by the Total Visa Credit Card and the First Access Visa. These rates are very high when you consider that the average interest rate is only around 19%.
Legally, there actually is no highest credit card interest rate that’s possible. Credit card companies are allowed to charge any interest rate. But they must clearly state what that rate is in the card’s terms and conditions. And companies that would like to charge outrageous interest rates are limited by what people are actually willing to pay. You should always make sure you know a card’s interest rate before applying. Otherwise, it may come as a nasty surprise.
Here are the highest credit card interest rates:
As you can see, the highest credit card interest rates are found on cards for people with bad credit. The better your credit is, the better your chance of getting a lower interest rate. But don’t forget that no matter how high or low your interest rate is, it will never affect you unless you carry a balance between months. If you always pay off your bill in full, you’ll never pay any interest unless you take out a cash advance. So if you don’t spend beyond your means, interest rates shouldn’t be a huge consideration when you’re picking a credit card.
But if you’re not confident about your ability to pay in full, you should prioritize low interest rates in your search. Many cards will even offer you 0% interest for a number of months to start. But you’ll usually need at least good credit to get a 0% intro APR.
Chase Sapphire Reserve’s car rental benefits include rental car insurance as well as free upgrades and discounts from certain rental agencies. And to top it off, you’ll get extra points for renting a car. Chase Sapphire Reserve truly is one of the best credit cards for car rentals. Let’s take a look at all the reasons why.
Here are the Chase Sapphire Reserve car rental benefits:
Altogether, Chase Sapphire Reserve’s car rental benefits help you earn more points, save money with special deals and protect your finances with insurance. And they come at no extra cost. But whether these benefits and the rest of Chase Sapphire Reserve’s perks are worth the card’s $450 annual fee is the real question.