Author: BenC
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Are You Using the Right Card for Dinner? The Best Credit Cards for Dining Out
Think about your spending habits. For many of us, after rent or mortgage and groceries, dining out is one of the biggest and most consistent line items in our budget. From your quick morning coffee to a casual lunch with colleagues, or that special evening dinner, restaurant spending adds up quickly. But here’s the crucial question:…
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Your First Credit Card: A Simple Guide to Choosing a Card You Won’t Regret
Getting your first credit card can feel like a major life milestone, right up there with getting your driver’s license. It can also feel incredibly intimidating. You’ve probably heard horror stories about debt and hidden fees, and the pressure to make the “perfect” choice can be overwhelming. Let’s start by reframing that… A credit card…
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Balance Transfers: 0%—Used the Right Way
Lower interest, not your credit score. Here’s a simple plan that finishes before the promo clock runs out—plus the gotchas to avoid. Is a balance transfer worth it? Fast math (example):Move $4,000 at 18% APR to a 0% card for 15 months with a 4% fee.Total to eliminate = $4,000 + $160 fee = $4,160…
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Cash Back vs. Travel Points: The Smartest Rewards Strategy for Your Business
Choosing a business credit card is a strategic decision. The rewards you earn are a real, tangible return on your everyday business expenses, and the right strategy can add hundreds, or even thousands, of dollars back to your bottom line each year. The most fundamental choice you’ll make is between two powerful options: straightforward cash…
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How a 0% APR Balance Transfer Card Can Help You Pay Off Debt Faster
Being in high-interest credit card debt can feel like trying to run up a down escalator. You’re working hard, making your payments every month, but the combination of a high balance and a steep interest rate means you barely make any progress. For every step you take forward, the moving stairs of interest feels like…
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How To Choose the Best Personal Credit Card Based On Your Credit Rating
Picture this: you apply for a shiny new cashback card, imagining all the rewards you’ll earn, only to get an email saying, “We regret to inform you…” That sinking feeling is frustrating—and it happens to many people. The reason is simple: your credit score wasn’t aligned with the type of card you applied for. Whether…
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Debt Snowball vs. Debt Avalanche: Which Method Is Right for Paying Off Your Credit Cards?
When you’re juggling multiple credit card bills each month, it can feel like you’re fighting a battle on too many fronts. It’s overwhelming, stressful, and often feels like you’re not making any real progress. The good news? You don’t need a miracle to win this fight. You need a playbook. Two of the most popular…
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Best Cash-Back Cards for Everyday Spend
Match your wallet to your life: groceries, gas, dining, and streaming—no spreadsheet gymnastics required. Below are our editor picks for steady, no-drama value, plus a couple of optional “boosters” if you want to squeeze a bit more. Quick Picks (by how most people spend) One-card simplicity (set-and-forget): Everyday categories without juggling: Rotating categories (optional “bursts”):…
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Beyond the Annual Fee: 7 Hidden Credit Card Fees and How to Dodge Them
When it comes to credit card costs, the annual fee gets all the attention. It’s the headline act, the number everyone looks for. But lurking in the fine print are a host of other charges—the backup singers of the fee world—that can quietly drain your wallet if you’re not paying attention. These fees aren’t always…