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9 Credit Card Mistakes You Need to Avoid

Credit cards provide great convenience and plenty of solid loyalty point perks, especially when you first sign up for one. But, there are some pitfalls that are important to take note of when your wallet is full of cards. Consider each of these the next time you are looking through your wallet, and don’t make these big mistakes.

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Bank on Yourself: Helping Thousands of Families Enjoy Financial Security for Life

If you regularly worry about money, you’re definitely not alone. According to the Center for Financial Services Innovation, 57 percent of Americans are struggling financially causing them a significant amount of stress.

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Credit Cards vs. Debit Cards: What are the Differences and Which is Better?

Shows two cards - debit and credit on the table

Although credit and debit cards look very similar, they are not. The most obvious difference between a credit and debit card is that a debit card draws from your available funds while a credit card offers a line of credit to be paid back later. However, this is not the only difference.

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Reliant Funding: The Small Business Financial Backup Plan

Forty-one percent of small business owners lack a financial backup plan in case of emergency according to Reliant Funding’s recent Small Business Report. Among those who have a plan, 20 percent have $75,000 or less socked away, and 3 percent have no emergency savings at all.

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How to Pre-Qualify for a Discover Card

Pre-qualifying for a Discover card is easy. And if you’re thinking about getting a new card, like the popular Discover it Cashback Match, you should see if you’re pre-approved before submitting a full application.

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RealtyMogul: Connecting Investors with Commercial Real Estate Opportunities

If you’re tired of earning less than 1 percent interest on money languishing in your savings accounts but desire an alternative to the usual stocks and mutual funds, you may want to consider investing in commercial real estate. According to RealtyMogul, an online real estate investing marketplace, real estate has outperformed the stock market nearly two to one for 15 years—even in robust bull markets like the one we enjoy today.

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Which Credit Card Issuer Has the Best Travel Insurance: American Express vs. Discover vs. Barclays?

Many credit card users are familiar with travel benefits offered by their credit cards including car rental coverage and lost luggage protection. Some credit cards go beyond this level of coverage, providing travel insurance that covers cardholders in the event of unforeseen events, accidents or illnesses.

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Radius Bank: The Virtual Bank that Gives You More for Your Money

When it comes to banking, most people are looking for a community bank where the customer comes first. But they’re also interested in one that has all the components of a great technology platform as well. With Radius Bank, you get the best of both worlds–the convenience of online banking with a sense of community all wrapped up into one.

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Fundbox: Small Business Financing Made Simple

According to the SBA, nearly 98 percent of all businesses in the U.S. are small businesses—but their contributions to the country’s economy are anything but. Altogether, these estimated 30 million companies account for 65 percent of the nation’s GDP, or gross domestic product. The success of these myriad organizations is clearly vital to that of the U.S. itself, yet many of them struggle due to short-term cash flow challenges. Data analysis by Fundbox, a company that provides small business financing, shows some $825 billion unpaid invoices are a big part of the problem.

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5 Things Everyone Should Know About Credit Card Numbers

Whenever you get a new credit card, you might be a little baffled by the long string of numbers. Yes, there are a lot of people with credit cards, and the issuers need to have a variety of numbers in order to make sure every person gets a unique identifying number. But that’s not the only reason. Every one of those numbers on the front of your card (and the three or four on the back) serve a purpose.

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Increase Your Earning Potential with Courses from CreativeLive

According to a recent poll, getting a new job is once again among the top resolutions Americans have made for the new year. If you are among them, CreativeLive may be a great place to start. With over 1,500 curated courses by the world’s top experts in a wide range of subjects, the online learning community is a valuable resource for professionals who want to enhance the skills used in their current careers as well as those who dream of turning their talents into viable businesses of their own.

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Survey Finds Most Employees Regret Not Saving for Their Financial Future

According to American Century Investments’ annual National Plan Participant Study, 90 percent of U.S. employees feel at least some regret about saving for their future. Among the 1,500 full-time workers surveyed for the study, more than half feel that not saving enough is one of the greatest mistakes of their lives.

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What is a Balance Transfer and Can it Really Save Me Money?

You have probably heard of a balance transfer, but how does it work and will it really save you money?
Transferring a balance can provide some relief from that debt keeping you awake at night because you can save interest payments if you transfer your balance to a card with a 0% APR.  You will also be able to pay off your debt faster since you will only be paying the actual money owed, rather than the interest charges it’s been accruing.

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Save Money on Your Next Road Trip with Outdoorsy

When it comes to planning a trip, most people do it on a budget. You want to have a nice vacation with your family, but you don’t want to break the bank. An RV that can serve as transport and lodging may sound like a good idea, but while many RV owners buy one with the intention of using it many times throughout the year, the reality is that many campers sit in driveways most of the time. Over 15 million RVs in North America sit unused for nearly 350 days each year, according to Outdoorsy, a company that helps both RV owners and travelers save money on their vacations.

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Should I Apply for a Store Credit Card?

A store credit card, also commonly referred to as a co-branded credit card, is a credit card that is sponsored by both a retailer and a credit issuer. Aside from providing shoppers with an additional payment method, store cards are commonly intended to enhance the user’s shopping experience while promoting customer loyalty. But should you get one?

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Get Inspired to Save and Give Back with Inspirus Credit Union

Money and education often go hand in hand, and it all starts with the necessary building blocks from elementary school. At Inspirus Credit Union, it’s all about caring about students in the community. RewardExpert spoke with Collin Campbell, vice president of strategic initiatives, and Morgan Cole, public relations specialist, about what makes their credit union stand out from the rest and why after more than 80 years it’s still going strong.

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Start on Your Successful Path to Investing with Acorns

When it comes to investing, many people incorrectly believe that you need to have a lot of time and a lot of money to be successful. In fact, you can get started on your road to financial freedom by investing whatever you have, thanks to companies like Acorns.
RewardExpert spoke with Manning Field, chief commercial officer of Acorns, which is a mobile investment platform that helps anyone and everyone invest their money. “We firmly believe that anyone can grow wealth,” according to Field.

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Introductory Credit Card Offers Come With Pitfalls

The credit card market is very competitive. Card issuers are in heavy competition for your business. As a result, credit card companies are quick to offer perks to win consumers over.
However, not all perks are created equal. In fact, consumers need to take certain steps to ensure those perks don’t turn into expensive financial headaches that cause damage to one’s financial life for years to come.

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Millions of Americans are Starting or Running Financially-Viable New Businesses

Over the past two years more than 25 million Americans started or were running new businesses in an economy that continues to show moderately healthy growth, according to the  Global Entrepreneurship Monitor (GEM) 2016 United States Report released by Babson College.

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Business Finances: Saving Time and Money with Deputy

What if you could manage key aspects of your business while lying on the beach? Create schedules or finalize payroll while sipping an exotic beverage, or even get the low down on how the weather will impact your scheduling back home while watching the sunset?
If any of that sounds good to you then Deputy might just be up your alley. It is software designed to streamline scheduling and workforce management. Companies like Amazon, Nike, and McDonald’s are already using Deputy, and so is NASA, along with local mom-and-pop stores looking to get the most out of their money and time.

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