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Do You Qualify for a Business Credit Card?

How to Increase Your Business Return on Investment

Whether you’re an established enterprise with multiple employees and a brick-and-mortar location, or you’re a work-from-home freelancer with a side gig here and there, chances are you have monthly business-related expenses to cover. While some freelancers, consultants, and other solopreneurs typically cover these expenses with their personal credit cards, you could be missing out on valuable opportunities to get extra perks while paying for business expenditures. Fortunately, applying for a business credit card is just as easy as applying for a personal credit card. According to the Consumer Financial Protection Bureau, an added benefit is that many business credit cards either do not report your monthly payments to a credit bureau, or they only report transactions and payments to commercial … Read more

Are High Annual Fee Credit Cards Ever Worth It?

by Hank Coleman

In a world where countless credit cards without annual fees exist, it might seem like a waste of money to have a credit card that charges you anywhere from $49-$500+ every year just for the benefit of having that card. Annual fees are not too popular among credit card issuers, as a 2017 survey of 100 credit cards found that just 24 charged annual fees (and 9 of those 24 reduce or waive the annual fee during the cardholder’s first year of use). I’m a huge fan of the American Express Platinum card and the perks it offers. Apply for an American Express Card with this link. You can earn 60,000 Membership Rewards® points after you use your new Platinum Card … Read more

How to Get Cash Back On Credit Card

by Jeremy

Imagination is more important than knowledge but, if you give your credit card to a man in the early 19’s, he would just laugh in your face and walk off. Fast forward it to 1950 and Boom! America got its first credit card. Take a leap of 30 years, and you land up with the first reward program by American airlines. The point is, credit card has been with us for almost 70 years and yet we are not fully aware of its functionality. In our age where being frugal has become a necessity, the credit card should be the first to consider. Why? Coz, just take a peek at your wallet, how many credit cards do you see? At … Read more

Are You Aware of These Common Types of Credit Card Fraud?

by Guest Contributor

Can credit cards make you a millionaire?

Rather than wait until you’ve become a victim before you brush up on credit card frauds, it’s best that you keep yourself aware of the most recent and prevalent threats. That way, you can save yourself a lot of frustration, time, and money. An ounce of prevention is most certainly worth a pound of cure whenever there’s money (especially yours) involved. EMV Credit Card You’ve likely noticed that credit cards now come with chips to prevent the very type of fraud some fall prey to when getting a new chip card. What happens is scammers pretend they’re credit card issuers and email cardholders to tell them they need to update their personal information before receiving their new card. Cardholders respond … Read more

7 Steps to Paying Off Your Credit Card Debt in 2019

by Guest Contributor

The following is a guest post from Conor Richardson, CPA is the author of MILLENNIAL MONEY MAKEOVER: Escape Debt, Save for Your Future, and Live the Rich Life and founder of MillennialMoneyMakeover.com, where he helps Millennials master essential money matters. If you’d like to submit a guest post to Money Q&A, check out our guest posting guidelines. Americans love credit card debt. The heady elixir of easy money is hard to resist. But as you enter into the New Year, carrying over a credit card balance from the previous year can sometimes make for a nasty financial hangover. With the average US credit card holder holding a balance of $5,839, it might take more work than you realize. How to Pay … Read more

How Do Credit Card Reward Programs Work?

by Guest Contributor

Have you ever wondered what a rewards credit card is and how it works? Read on to learn the basics about rewards cards, their benefits and things to be aware of when selecting or using a rewards credit card. Rewards credit cards simply refer to credit cards that offer rewards and incentives for using the credit card for purchases. These rewards can come in many forms, but they generally include earning reward points or discounts for using the credit card, and depending on the credit card, these rewards points can be redeemed for flights, cash, vouchers, purchases etc. Rewards credit cards also often offer other benefits aside from reward points and discounts such as free airport lounge access, free travel … Read more