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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

A notepad with "Pay off debt" written in black marker.
Nov. 21, 2025 | By Joel O'Leary

1 in 4 Americans Want to Pay Off Debt in 2026 -- These Tools Can Help

Tools like balance transfer cards, loan refinancing, and nonprofit counseling can help Americans cut interest and pay off debt faster in 2026.
A woman sitting on floor with paper bills and a calculator.
Nov. 21, 2025 | By Joel O'Leary

America's Top 2026 Money Goal Is Eliminating Credit Card Debt -- Here's How to Speed It Up

A 0% intro APR card can help you pay off credit card debt faster and interest-free. Learn how it works and how to use it to hit your 2026 money goals.
A smiling father bringing home groceries to his family.
Nov. 20, 2025 | By Jake FitzGerald

Here's the Best Way to Feed Your Family on a Budget

Feeding a family is expensive, but the right grocery credit card can help you stretch every dollar further.
Couple smiling while reviewing something on smartphone screen.
Nov. 18, 2025 | By Jake FitzGerald

Here's How My Wife and I Doubled Our Credit Card Rewards Without Spending More

If you and your partner each get the same credit cards, you can double your rewards and bonuses.
Couple appears frustrated while looking at paperwork over laptop.
Nov. 16, 2025 | By Joel O'Leary

Why 0% Intro APR Cards Fail for So Many People -- and How to Win Instead

Many people misuse 0% intro APR cards and rack up even more debt. Here's how to avoid the trap and actually come out ahead.
credit score with calculator.jpg
Nov. 15, 2025 | By Joel O'Leary

3 Little-Known Perks of Having a Credit Score of 750+

A 750+ credit score unlocks more than just low APRs. Here are three underrated ways a great score can save you money and open financial doors.
Business people triumphantly running through red ribbon.
Nov. 12, 2025 | By Ryan Wilcox

What Happens When You Reach an 850 Credit Score? It's Not What You Think

Having a perfect 850 credit score might sound impressive -- but what does it really get you? Here's the truth in 2025.
A man checking in to a hotel.
Nov. 11, 2025 | By Jake FitzGerald

3 Places You Should Never Use a Debit Card

Debit cards are convenient, but they can expose you to more risk than you think. Here are three places you should always reach for a credit card instead.
Woman looking at her cell phone in frustration as she holds a credit card in her other hand.
Nov. 6, 2025 | By Joel O'Leary

What NOT to Do With a 0% Intro APR Credit Card

A 0% intro APR credit card can be a financial blessing or a debt trap. Here's what to avoid so you actually get ahead, not fall further behind.
A woman looking at her laptop with papers on her desk.
Nov. 2, 2025 | By Joel O'Leary

$5,000 in Debt? Here's How Much to Pay Monthly With a 0% Intro APR Card

If you've got $5,000 in credit card debt, a 0% intro APR card could be your way out. Here's how much to pay monthly -- and how to use it to stay debt-free for good.
Woman sitting at table making calculations
Nov. 1, 2025 | By Joel O'Leary

How Much Will a $10,000 Credit Card Balance Transfer Cost?

Most balance transfers cost 3%-5%, so that's between $300 and $500 on a $10,000 transfer. Here's why that fee is small compared to potential interest savings.
Woman sitting at table making calculations
Oct. 31, 2025 | By Joel O'Leary

Are Balance Transfer Fees Worth It? Here's the Math

Most of the time, balance transfer fees are worth it. Here's how the math works, and the rare times when they don't make sense.
A young man doing work on a laptop while sitting on his couch next to his dog.
Oct. 28, 2025 | By Joel O'Leary

Here's Why I Pay My Credit Card Bill Every Week

Paying your credit card bill every week might sound obsessive, but it can boost your credit score and help you avoid ever paying interest.
Content woman in glasses laying back in office chair with hands behind her head.
Oct. 28, 2025 | By Joel O'Leary

3 Easy Credit Habits That Could Add 50+ Points to Your Score

Learn how fixing credit report errors, always paying on time, and lowering your utilization can seriously improve your credit score.
A man holding several credit cards.
Oct. 27, 2025 | By Jake FitzGerald

When It Makes Sense to Open More Than One Balance Transfer Card

Opening more than one balance transfer card can save you hundreds of dollars, if you do it for the right reasons. Here's when it actually makes sense.
Happy man holding cash.
Oct. 26, 2025 | By Joel O'Leary

I've Earned Over $15,000 in Credit Card Rewards. Here's How

I've earned $15K+ in rewards by opening two to three cards a year, matching spend to perks, and playing two-player mode with my wife. Here's how you can, too.
Woman choosing one credit card from a handful of many cards
Oct. 26, 2025 | By Joel O'Leary

Should You Split Your Debt Across Multiple Balance Transfer Cards?

Splitting debt across multiple balance transfer cards rarely helps and often adds risk. Here's why one solid balance transfer card usually wins.
Interest spelled out on a calculator
Oct. 25, 2025 | By Joel O'Leary

How to Calculate Your True Balance Transfer Savings -- Fees and All

Easily calculate your true savings from a balance transfer by factoring in fees, interest, and payoff timing. Here's the math.
Woman using tablet and writing on a notepad.
Oct. 24, 2025 | By Joel O'Leary

Here's What Happens When You Pay Your Credit Card Bill Every Week

Paying your credit card weekly can help lower utilization, reduce interest costs, and strengthen your money habits. Here's why it works.
Woman typing on a calculator while looking at a document
Oct. 23, 2025 | By Joel O'Leary

Balance Transfer Fee vs. Interest: Which Costs More?

Balance transfer fees can easily be cheaper than paying months of high interest. Here's how to compare the true costs.
Credit cards fanned out on a table
Oct. 22, 2025 | By Joel O'Leary

What I've Learned After Opening 30+ Credit Cards

I opened 30+ credit cards and earned over $10K in sign-up rewards alone. Here are six lessons that could help you earn more (without going overboard).
A woman sitting on her couch at home making a phone call while holding a credit card with a laptop open in front of her.
Oct. 21, 2025 | By Joel O'Leary

Would You Pay a $300 Fee to Save $1,000 in Interest? Here's Why It Actually Makes Sense

Paying a balance transfer fee might sound like a waste, but in many cases it can save you hundreds or even thousands in interest. Here's when it makes sense.
Two people talking next to a washing machine in an appliance store.
Oct. 20, 2025 | By Brooklyn Sprunger

3 Purchases I'd Never Waste on a Debit Card

Learn which purchases are wasting rewards on debit, and how the right credit card can turn them into cash back or points so you can earn more on your everyday spending.
Two people looking at credit score on phone.
Oct. 18, 2025 | By Joel O'Leary

The Real Difference Between a 680 and a 740 Credit Score (and What It'll Cost You)

A 680 vs. 740 credit score might not sound like a huge difference -- but it could cost you thousands in higher interest rates, insurance premiums, and missed rewards.
Woman smirking with her hands together in front of her chest.
Oct. 14, 2025 | By Ryan Wilcox

Here's What Happens When Your Credit Score Reaches a Perfect 850

Getting an 850 credit score might sound cool -- but is it necessary? Learn why getting a perfect score isn't as important as you might think.