Sears Mastercard is an odd but good choice for gas rewards

Sears Mastercard is an odd but good choice for gas rewards

Credit Cards
When it comes to household spending, the annual cost to fuel up your car is about as much as the typical household spends on clothing but much more than it spends on cellphone service. In other words, gas accounts for a more-than-modest portion of people’s budgets – at least according to the Bureau of Labor Statistics. That’s one of the reasons I’m always mindful of using the credit card that gives me the most rewards on gasoline purchases. The content on this page is accurate as of the posting date. Please see our gas cards page  for the most current version of these card offers, or use our CardMatch tool to find cards matched to your needs.  For years now, I’ve relied on the Blue Cash Preferred® Card from American…
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Card benefit cuts could cost you on your next vacation

Card benefit cuts could cost you on your next vacation

Uncategorized
Before you embark on a summer vacation, double-check whether your credit cards still offer money-saving benefits, such as car rental insurance or trip cancellation protection. A growing number of credit card issuers are trimming benefits – or eliminating some of the benefits altogether. How this affects my family: I have switched my family’s go-to card for car rentals because Discover cut five card benefits, including rental car coverage, in February. When we next rent a car, we will use my husband’s Chase Sapphire Reserve, which has primary coverage as a card benefit. How will these reduced benefits affect your family’s summer vacation plans? The content on this page is accurate as of the posting date. Please see our rewards cards page  for the most current version of these card offers,…
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Consumers are warming to nontraditional credit data

Consumers are warming to nontraditional credit data

Credit Cards
Lenders aren’t the only ones interested in using alternative credit data, such as mobile phone payments and savings account information, to score potential borrowers. Consumers are warming up to the idea, too, according to new research from the credit bureau Experian. Among the findings: 48 percent said they would be open to having their utility bills scrutinized by lenders. 39 percent said they would appreciate it if lenders would consider their savings or checking account history. 38 percent said they would prefer that lenders also looked at their cellphone payments. Meanwhile, more than half of consumers said that their credit scores would likely benefit if the scores included nontraditional data. Where am I in these statistics? I am in favor of alternate credit data – as long as it is accurate.…
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Chase Adds Apple Products As a Redemption Option for Points

Chase Adds Apple Products As a Redemption Option for Points

Banks
NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money. In time for the season of giving, Chase has launched the Apple Ultimate Rewards Store — a way to redeem points for Apple merchandise through the Chase Ultimate Rewards® portal. As of this week, all Freedom, Sapphire and Ink cardholders can redeem all or some of their rewards for Apple products in the portal. For a limited time, cardholders will earn a value of one cent per point when they redeem points for Apple products. It won’t beat the added value offered by the Chase Sapphire Preferred® Card and Chase Sapphire Reserve® when you redeem points for travel through the Chase Ultimate Rewards® portal, and keep in mind that…
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Dining Out? Don’t Leave Credit Card Rewards on the Table

Dining Out? Don’t Leave Credit Card Rewards on the Table

Credit Cards
If you’re not reaping extra helpings of credit card rewards for every restaurant meal you pay for, you’re probably using the wrong credit card. Americans are dining out more than ever. Average annual household spending on food away from home increased 28% from 2013 to 2017, according to the Bureau of Labor Statistics. Both new and existing credit cards are following the dining trend. They’re offering beefed-up cash back, points and frequent flyer miles for restaurant spending, from McDonald’s to Michelin-starred chophouses. Some cards offer the equivalent of 4% or 5% off each restaurant tab, although 3% is more common. A rewards card that pays 3% back returns a cool $144 a year in free money for four-person households that spend the U.S. average on dining out, $400 per month.…
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Best Airline Credit Cards of 2018

Best Airline Credit Cards of 2018

Credit Cards
Our pick for Flexible redemption and sign-up bonus   APPLY NOW on Chase's secure website Chase Sapphire Preferred® Card (135 reviews) Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards® Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases. READ MORE INTRO APR N/A REGULAR APR 17.99% - 24.99% Variable APR ANNUAL FEE $0 for the first year, then $95 RECOMMENDED CREDIT SCORE 690850Good - Excellent SEE IF YOU MAY QUALIFY More on this card Chase Sapphire Preferred® Card Review For richer rewards with a much higher fee…
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Credit Cards for Your Gas-Guzzling Commute

Credit Cards for Your Gas-Guzzling Commute

Credit Cards
July 31, 2018 • 12 min read by McCall Robison 0 Comments [UPDATE: Offer(s) below is no longer available through our site. Please visit our credit card marketplace for current offers. DISCLOSURE: Cards from our partners are mentioned below.] With gas prices higher than they’ve been in three years, commuting is more expensive than ever. As gas prices rise, so do commuters’ frustrations—every visit to the gas station met by an exasperated eye roll at the gas prices and a reluctant surrender of your money. Price per gallon continues to creep higher and higher, with the average price for regular-grade gasoline hitting $3.00 in the United States mid May. According to Spokesman, gas prices have climbed 41 cents in the last three months alone. Trilby Lundberg, gas industry expert, claims…
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Credit Freezes will Soon Be Free: What it Means and Why it Matters for You

Credit Freezes will Soon Be Free: What it Means and Why it Matters for You

Credit Repair, Credit Scores
August 10, 2018 • 6 min read by David Lord 0 Comments If you’ve ever stepped into the ring with an identity thief, you are probably familiar with a credit freeze. Credit freezes are an incredibly helpful line of defense in protecting your credit, but like everything else that’s good in life, these measures don’t always come free. Luckily, congress is taking steps to change that. Read on to learn about credit freezes, and how government mandates will make them free in the future. Free Credit Consultation - Call 844-346-3296 Repairing Your Credit With Lexington Law Can Help You Save MoneyGet Help Now Privacy Policy What is a Credit Freeze? A credit freeze is a nifty little tool that allows you to block any agency from checking your credit, making…
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The State of Housing Confidence in 2018

The State of Housing Confidence in 2018

Real Estate
September 12, 2018 • 10 min read by Taylor White   Owning a home was once a time-honored life milestone. Buying real estate was simply what you did as an adult in America, and for many people home ownership was the ultimate indicator of life success and social status. But, times have changed. Today, less people are buying houses. According to Fannie Mae, a mere 24 percent of Americans feel like now is a good time to buy a house. Looking back to 2013, when 54 percent of consumers were confident in the housing market, it feels like a lot has changed in a small amount of time. It’s clear that the certainty of prospective homeowner is waning. Find a Home Loan That's Right for You Find Great Rates From…
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Is a Fixer-Upper Home Worth the Investment?

Is a Fixer-Upper Home Worth the Investment?

Real Estate
September 24, 2018 • 12 min read by McCall Robison 0 Comments Buying fixer-upper homes is currently a popular investment in the housing market, especially since lower-priced houses increase housing confidence in home buyers. On the one hand, it is a great way to purchase a home below market value and sell it for more than you paid. On the other hand, it often seems to be more work than people anticipate, and sometimes the final product doesn’t end up being worth as much time, effort, and money as people put into it. So, is a fixer-upper home worth it? The answer depends on a variety of factors and your current situation. Thankfully, we have a list of pros and cons as well as tips and recommendations if you’re trying…
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