Opening your own credit card can be a challenge when you’re first starting out or if you have damaged credit. In both scenarios, the issuer takes on a fair amount of risk. With no credit history to check, they won’t know what kind of borrower you are. If you have bad credit, it will be…
Visa is one of the largest credit card networks in the world. So, it’s no surprise that there are millions of Visa-branded cards— from cash back reward cards to travel credit cards—to choose from. When scoping out your options, you should know about the benefits of each. Most credit card issuers have their own perks,…
Small-business credit cards offer valuable perks for business owners and entrepreneurs, but not everyone picks up a business card for the same reason. Some business owners want to earn rewards on their spending, whereas others want an easy way to keep business and personal purchases separate for accounting purposes. Still other business owners love all…
Small-business owners who travel often can benefit significantly from the right travel rewards credit card. These cards offer perks that help offset common business expenses and make frequent business travel a little easier. The card_name is one option for those seeking to add a new credit card to their wallet. This card comes with premium…
If you can identify the feel of a Westin Heavenly Bed, have a strong preference for the smell of a hotel brand’s bath products, or are greeted by name as you walk up to check in to your regular hotel, a hotel card should almost certainly be in your wallet. Even for the casual traveler,…
American Express has several cash back credit cards with varying rewards rate structures and price points. card_name offers high cash back rates on groceries, gas, and online purchases with no annual fee. Unfortunately, the card’s highest rates come with yearly spending caps. After that, cardholders earn only 1% cash back in those categories. Still, the…
Federal tax rules for retirement income are pretty straightforward—state rules, not so much. Depending on where you live, you could pay as much as 4.7% of your annual income in state income taxes. Or as little as 0%. Some states tax almost all forms of retirement income, while others don’t levy any income taxes. Since…
American Express Membership Rewards® Points and Chase Ultimate Rewards® are the best—and the most popular—flexible rewards programs among travel enthusiasts, and it’s easy to see why. Points from both programs transfer to an array of airline and hotel partners that let users get more value with each redemption, and cardholders can also use their points…
A Roth IRA is a type of individual retirement account (IRA) that allows retirement savers to contribute money on an after-tax basis. Money grows tax-free inside of the account and can be withdrawn tax-free if certain requirements are met. Looking for financial advice regarding your retirement accounts? Consult with Empower’s team of experts Empower Financial…
The card_name is an intriguing option among no-annual-fee credit cards, as it earns generous rewards in several popular categories. Plus, there is a welcome bonus, and your points never expire. It’s not for everyone, though—frequent flyers and those who prefer home-cooked meals will want to consider other options. TIME’s Take The card_name is a great…
