August 6th, 2012

5 Tips for Picking the Right Rewards Credit Card


choose credit card

We know from last week’s blog post that great credit card offers might soon be a thing of the past. But you can still get great over-time rewards with your plastic, if you choose wisely.

Here are five things to pay attention to when picking a great rewards credit card.

Rewards You Can Use

One of the biggest mistakes you can make when searching for a new card is to choose one that gives you rewards that you won’t actually use. What’s the point of racking up airline miles if you’re terrified of air travel? Instead, focus on those rewards cards that will get you what you want, whether it’s cash back, hotel perks, or special event offers.

Interest That Doesn’t Eclipse Rewards

Cash back is great, isn’t it? But if you tend to leave a balance on your credit card from month to month, and your interest rate is sky-high, you’ll likely pay more in interest than you’ll receive in cash back. That rewards card just turned into a regular, boring credit card, didn’t it? The best thing to do is to set a precedent that you’ll never leave a balance on your credit card. Alternatively, do the math to make sure that the cash back rewards you receive each month is more than the interest you pay. Or choose a rewards card with a lower APR, like the Discover It card.

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February 23rd, 2012

Debit vs. Credit: Which is better?

debit or credit th

What do you do when it comes time to pay for your fast food meal or maybe a new television? What makes you decide if you will use your credit card or debit card? This dilemma has been going on for years. There are multiple reasons on why one would choose a certain card over another. In the end, it is up to you. However, here are a few general guidelines to keep in mind next time you’re deciding between your debit card or credit card.

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February 16th, 2011

Wednesday Roundup: Credit Cards & Debt

hella credit

If you are in the market for a new credit card, raise your hand!

From rewards, cash back, points, low interest, to business plus more types of plastic than we can name, we’re helping narrow down your vast selection!

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February 15th, 2011

Why Being Less Cautious With My Credit Card Is A Good Thing

too cautious

I praise all the great perks and bonuses of credit cards, but I’ll confess that I'm extremely cautious when it comes to my own credit card.

Throw caution to the wind, and you can actually better your credit situation.

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January 26th, 2011

Credit Card Rewards Declining in 2011? Protect Your Points!

credit card rewards

There may be some strange shifts taking place in the world of rewards credit cards this year. Here are a few other changes personal finance experts expect in 2011 and beyond.

Guest blog from CreditShout!

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December 3rd, 2010

Cash, Points, or Miles: Which Rewards Credit Card is King?

credit card thumb copy

In the world off credit cards and their shiny new offers, its hard to pick out which kind of rewards program is the best of the best. Which card is the best rewards card consumers should pursue--cash back, rewards points, or airplane miles? Let's break down which rewards category is king.

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November 11th, 2010

5 Things To Beware Of When Traveling Abroad With Your Credit Card

travel credit card

Special Guest Post! Credit cards and travel abroad seem made to go together. But that doesn’t mean there aren’t a few things you should know before you go. Knowing the five tips below will help you feel educated and give you some peace of mind – without having to learn the hard way.

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October 11th, 2010

Find The Right Credit Card in 5 Minutes

crdit card 5 min

Choosing the right credit card for you has eerie parallels to dating—your perfect card should fit well with your lifestyle, complement your budget, and shouldn’t compromise your financial needs.

Stroll through our gallery of credit card types to figure out what type of plastic is your true credit match.

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September 28th, 2010

Points, Miles, And Cash Back: The LV Guide To Credit Card Rewards

credit rewrads

At LearnVest, we believe that you should always make money on your money, from beginning to end: You should earn interest in a savings account before you spend and then credit card rewards once you do spend. In order to help you make the most of your money, we bring you the 9 rules you must read for rewards cards.

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September 16th, 2010

13 Reasons To Love (And Use) Your Credit Card Again

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This may be one of the only times you’ll hear this from a personal finance, pro-consumer site… but there are lots of reasons to love using your credit card again.

For card-holding consumers who are confidant in avoiding debt like the plague, here are 13 reasons to love and use your credit card.

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