The Capital One Venture Card has been a favorite credit card of RewardExpert.com for a long time. It has a great sign-up bonus and cardholders earn 2 points for every dollar that they spend. And the points allow you to book any flight or make any hotel reservation without fear of blackout dates. Now, Capital One is making this awesome credit card even better by adding 12 transfer partners!
How to Build Credit the Easy Way
Everyone tells you that you need a good credit score. But how many of those people can actually tell you how to build credit? This comprehensive guide will show you the best way to build credit and improve your credit score. No matter if you’re a seasoned pro or are just starting out, we have actionable tips for you that will show you how to build credit fast and improve your credit score.
How many credit cards should I have? Is there a perfect number?
The average consumer may have 3 credit cards, but if you’re really into travel rewards like I am, you may have applied for more than 3 credit cards just in the last 90 days. When people ask me “how many credit cards should I have,” I reply that it depends on your situation. Let’s look at the pros and cons of having multiple credit cards to help you determine the right number of credit cards for you.
How to Earn Over 20% Cash Back on Dining
Whether you are staying home or out traveling the world, one thing is constant. You will spend money eating out. Here’s an awesome way to earn more than 20% cash back when eating out.
How To Pay Off Debt: Average US Credit Card Debt Reaches $15K!
Credit card debt can be a huge obstacle to your financial goals. Recent studies show that the average credit card debt is now over $15,000 per household. With the average American credit card debt rising beyond levels last seen leading up to the 2008 Great Recession, this could spell trouble for the economy and consumer finances. There is no single best way to pay off credit card debt – there are several to choose from. The path that you take is a personal choice, but the most important thing is that learn how to pay off credit card debt so you can become debt free.
How to Get a Free FICO Credit Score from all 3 Credit Bureaus
Credit scores are a quick way for banks, insurance companies, and others to rank us based on our past behavior. Keeping track of your credit score is an important way to monitor your progress towards a better financial future. But how do you get a free FICO credit score? There are actually many ways how to check your credit score for free. Follow along, and I’ll show you how.
850 FICO: Do you really need the highest credit score?
While many people struggle to improve their credit scores, there are some super prime consumers who have earned a perfect credit score of 850. The higher your credit score, the better terms you’ll get on loans and perks on your credit cards. But do you really need the highest credit score possible to get the best loan interest rates and credit card benefits? And what steps can you take to improve your credit score?
Why the Free Checked Bag Benefit Doesn’t Always Mean “Free”
The airlines are making a killing by charging us for checked bags. In 2017, airlines made over $4.5 billion from this additional source of revenue. Now, checking a bag is getting more expensive for travelers because United and JetBlue are increasing the first checked bag fees from $25 to $30. And the other airlines are sure to follow.
Credit Utilization: Everything You Need to Know to Increase Your Score
To increase your credit score, you want to focus on what you can change the quickest. Credit utilization is the second largest factor in your credit score. And it is the one you have the most control over on a monthly basis. Simply put, the lower your balances versus the amount of credit you have, the better your score will be. We’re going to discuss everything you need to know to increase your credit score by controlling your credit utilization rate.
10 Passive Income Ideas to Rock Your World
The only thing better than making money is making money while you sleep. That’s the whole concept behind passive income. You can spend more time with your family and friends, perfect your golf swing or learn another language. The possibilities are endless because you’ve set up passive income streams that provide you a paycheck without needing to clock in. Here are the 10 best passive income ideas that will rock your world.
Soft Credit Check vs. Hard Inquiry
I don’t know about you, but I’m very protective of my credit. When I learned that allowing credit card issuers and businesses to simply look at my credit could ding my score, I became a lot more protective of who gets access.
Singapore Airlines Devaluation
Regular airline and hotel program devaluations are becoming the norm, and recently Singapore Airlines has announced program changes without giving us a whole lot of warning. Effective December 7, 2017, many flights booked on Star Alliance partners will be changing in price and there are a few non-price related changes as well. All in all this is a pretty big deal.
8 Reasons Your Credit Card Was Declined
Imagine that you’re standing at the checkout counter and the cashier informs you that your credit card has been declined. Not only is this an embarrassing situation to be in, but it can also be an inconvenience. If you don’t carry cash, you’re left scrambling for another method of payment.
What to Do When a Fraudulent Charge is Discovered on Your Credit Account
If you discover a fraudulent charge on one of your credit accounts, you should act fast to avoid further damage. By taking immediate action, almost any fraudulent purchase made with a credit card can be disputed and resolved. Many credit issuers have zero liability policies when it comes to fraud and some offer credit monitoring services at no charge. There are also federal laws that limit the liability of consumers when it comes to fraudulent charges.
Four Ways to Use the Right Combination of Points, Miles, and Money to Save on Airfare
Airfare sales happen every day but not necessarily from your home airport. In order to take advantage of some of the best deals out there, you might have to get a bit creative. There are plenty of options available to help reduce the cost of airfare. You may save money by positioning yourself to nearby airports or by using your frequent flyer miles like cash to reduce the cost of a ticket. If you’re earning points on a credit card you will want to access their travel portals to see if your points have greater value there. Additionally, using a combination of award tickets and purchased tickets for securing your airfare may result in paying less. Try these combinations to find the best deal.
Why do Credit Cards Expire?
You may know a lot about the rewards and benefits that are included with your credit card, but you may not have considered those all-important four digits on the front of your card: the expiration date. It’s almost impossible to complete an online purchase without that data point, but what is the expiration date really used for? Banks have several reasons for including it. Read on to find out more.
Can Award Tickets Earn Miles?
As a general rule that award tickets do not earn frequent flyer miles since they are paid for with miles, the same way you do not earn hotel points when you redeem points on an award stay. Frequent flyer programs will usually exclude award booking classes from mileage accrual. This applies to partners as well.
With that being said, there are a few exceptions or situations when award tickets might earn you miles after.
Six Common Business Credit Card Myths
When an entrepreneur first starts a business, cash flow is crucial. Many will get loans to fund the initial effort. Some will seek out help from family and friends. Others will turn to credit cards as a way to pay for the expenses that come with a new business. There are some common myths about using business credit cards.. Let’s go through them so you don’t risk your business and credit score.
The Top 5 Frequent Flyer Programs for International Travel
Picking the right frequent flyer programs for your international travel depends on the region, the distance (short-haul/long-haul) and your own objectives. Are you looking to get status? Or do you favor cheap redemptions?
Start by assessing your travel patterns and booking habits (deep-discounted economy vs. full-fare economy or business/first) and reviewing both the redemption side as well as earning ability of potential programs. Some programs however generally stand out by their number of partners, ease of achieving elite status and overall value. Here’s a rundown.
Three Perfect Solo Destinations You Can Book Using Frequent Flyer Miles
You’re ready to travel but none of your friends have the time, money, points or miles to travel with you. Or perhaps you would just like to try a solo adventure and experience the freedom of traveling alone. How far will your miles take you? You might be surprised. Here’s a trio of affordable destinations that can easily be reached using frequent flier miles.