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Credit Card Articles

Articles about choosing the right credit card, and how to get the most from the ones you have.
 
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Recent Articles

Man in a business suit holding a card reading credit score with check boxes beside excellent, good, fair, and poor.
July 27, 2026 | By Joel O'Leary

What Credit Score Do You Actually Need for the Best Balance Transfer Cards?

A good credit score typically gets you approved for the best balance transfer cards. A higher score earns a bigger limit, not a longer 0% intro APR window.
Stressed woman with handful of credit cards looking at laptop.
July 27, 2026 | By Ryan Wilcox

The Fastest Ways to Get Out of Credit Card Debt in 2026, Ranked

The fastest way out of credit card debt is a balance transfer card -- but it's not the only option. See all the best methods, ranked for 2026.
Three children sitting at desks and doing work in a classroom.
July 27, 2026 | By Joel O'Leary

3 Easy Credit Card Welcome Offers for Back-to-School Shopping

The average American's back-to-school spending can cover most of a new card's minimum spend, turning school supplies into a cash or travel welcome offer.
Woman sits on counter in a kitchen, looking at her phone
July 27, 2026 | By James McClenathen

Best Balance Transfer Cards This Week, July 27, 2026: Up to 21 Months Interest-Free -- Make It Count

Make the next 21 months count toward your future. These balance transfer cards offer 0% intro APR, no annual fees, and the breathing room to finally beat debt.
Man in shock yelling at laptop with hands in the air.
July 26, 2026 | By Ryan Wilcox

Here's What Actually Changes When Your Credit Score Hits 800 -- and What Doesn't

An 800 credit score feels like a milestone, but what does it actually get you? Here's what changes at 800 and what probably stays the same.
Cute pupils running down the hall in school.
July 26, 2026 | By Joel O'Leary

How to Earn $200 Cash Back on Your Back-to-School Shopping

A new rewards card's welcome offer can turn back-to-school spending you'd do anyway into $200 cash back, as long as you pay the balance in full.
A group of folders with once label being changed from debt to savings.
July 26, 2026 | By Ryan Wilcox

Longest 0% Intro APR Credit Cards This Week, July 26, 2026: Up to 21 Months to Pay Off Debt, Not Interest

Get up to 21 months of 0% intro APR with this week's longest offers. Finally pay off debt instead of interest -- with the breathing room you deserve.
Two men in thought looking at a laptop screen together.
July 25, 2026 | By Ryan Wilcox

Citi® Diamond Preferred® Card vs. Wells Fargo Reflect: The Better Balance Transfer Card Right Now

The Citi Diamond Preferred and Wells Fargo Reflect both offer the same length intro APR on balance transfers. Here's which one saves you more.
A travel credit card sits atop a stack of four hundred dollar bills.
July 25, 2026 | By Ryan Wilcox

Our 3 Favorite Balance Transfer Cards if You Also Want to Earn Rewards

Paying off debt shouldn't mean giving up rewards. These three balance transfer cards let you earn cash back during and after your 0% intro APR window.
Woman holds up megaphone to make announcement.
July 25, 2026 | By Ryan Wilcox

Last Chance: Chase Sapphire Preferred's 100,000-Point Bonus Ends July 30th at 3 p.m. EST

Chase Sapphire Preferred's limited-time boosted welcome bonus ends July 30th at 3 p.m. EST. See how much it's worth, who qualifies, and why now's the time to apply.
Two people excited over what's on cell phone.
July 25, 2026 | By Joel O'Leary

Chase Sapphire Preferred's Best-Ever Offer, Ending Soon: Best Credit Card Bonuses This Week, July 25, 2026

The Chase Sapphire Preferred is still offering its biggest welcome bonus of all time -- but it won't last much longer. Here's what to know.
Man appears to be in thought while looking at laptop screen.
July 24, 2026 | By Joel O'Leary

BankAmericard vs. Citi Diamond Preferred: Which 21-Month Intro APR Card Wins in July 2026?

How the BankAmericard and Citi Diamond Preferred compare on transfer fees, intro APR length, and which fits paying off debt vs. financing purchases.
Couple having discussion while using laptop and looking at documents.
July 24, 2026 | By Ryan Wilcox

My 3 Favorite 0% Intro APR Cards for July 2026: Pay No Interest for up to 21 Months

Looking to save on interest for almost two whole years? Compare my three favorite 0% intro APR cards available now and find the one for you today.
A person sitting at a desk in a sunny home office and typing on a laptop.
July 24, 2026 | By Joel O'Leary

What the Chase 5/24 Rule Means and How It Affects Your Next Card Application

The Chase 5/24 rule blocks most new Chase card approvals when you've opened five or more cards in the past 24 months, no matter which bank issued them.
A young man in a suit using an outdoor ATM.
July 23, 2026 | By Joel O'Leary

Using a Debit Card in These 3 Places Could Be a Big Mistake

Booking travel, making big purchases, and using unknown card readers each expose debit card users to risks a credit card helps avoid.
A man sitting at his kitchen table with a calculator and bills.
July 23, 2026 | By Joel O'Leary

The Balance Transfer Card That's Right for You Depends on One Thing: Your Debt Amount

A longer 0% intro APR period lowers the monthly payment needed on the same balance. Your debt amount decides how many months you should look for.
Stack of colorful credit cards.
July 23, 2026 | By Joel O'Leary

The 3 Best Credit Cards to Pair With the Amex Platinum in July 2026

The Amex Platinum earns very little on everyday spending. But carrying the right second card can close that gap on groceries, gas, and dining.
Couple watching movie together from the couch.
July 22, 2026 | By Joel O'Leary

The 3 Little-Known Perks of the Chase Sapphire Preferred Most Cardholders Never Use -- July 2026

The Chase Sapphire Preferred is known for travel rewards, but three underused perks quietly add hundreds in value each year.
Senior woman looking at laptop with frustrated expression
July 22, 2026 | By Joel O'Leary

What Happens if You Miss One Payment on a Balance Transfer Card?

A late payment on a balance transfer card can end your 0% intro APR, trigger a penalty rate, and hit your credit score once it's 30 days past due.
A woman holding shopping bags and a credit card.
July 22, 2026 | By Joel O'Leary

The Best Cash Back Card That Also Gives You 0% Intro APR -- and Why Most People Don't Know About It

The Bank of America Customized Cash Rewards is a no-annual-fee card that earns cash back and offers a stretch of interest-free spending.
Smiling woman lying on her couch, using her cell phone, and holding her credit card.
July 22, 2026 | By Joel O'Leary

My Top 3 Balance Transfer Cards for People With Good Credit: July 2026

A 0% intro APR can pause interest while you pay down a balance. Here's how this month's top balance transfer cards compare on time, fees, and rewards.
Young woman holding phone and credit card
July 21, 2026 | By Ryan Wilcox

The Best Flat-Rate Cash Back Card for July 2026

A 2% flat rate, a solid welcome bonus, and $0 annual fee -- here's why this Wells Fargo card is one of our favorite credit cards available now.
Financial advisor discusses credit scores with a client.
July 21, 2026 | By Joel O'Leary

4 Reasons to Get Your Credit Score Above 800

An 800 credit score does more than look good. It cuts borrowing costs across loans and insurance, and gives your score room to breathe.
A man smiling while using his laptop.
July 21, 2026 | By Ryan Wilcox

My 3 Favorite Business Cards for Your Side Hustle, Ranked

No LLC? No problem. Here are my three favorite business cards for side hustlers and gig workers available now.
A person sitting at an outdoor cafe table holding a credit card and phone with open in front of them.
July 21, 2026 | By Joel O'Leary

What Credit Score Do You Need for the Chase Sapphire Preferred?

A good-to-excellent credit score helps you qualify for the Chase Sapphire Preferred, but income, credit history, and recent applications all factor in too.