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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

Two people unloading luggage from the back of a vehicle.
Oct. 13, 2025 | By Brooklyn Sprunger

The Average Vacation Now Costs $7,249 -- Here's How I'm Spending Smarter

The average vacation now costs $7,249, but I save money with smarter planning, flexible credit card rewards, and spending strategies.
Couple packing a suitcase or vacation.
Oct. 12, 2025 | By Brooklyn Sprunger

Vacation Prices Have Doubled Since 2022 -- Here Are 4 Ways to Fight Back

Vacation costs have doubled since 2022, but travelers can save with smart timing, flexible rewards, and top travel credit card perks.
Business people triumphantly running through red ribbon.
Oct. 11, 2025 | By Joel O'Leary

Here's What Happens When Your Credit Score Reaches 850

There’s no parade or shiny trophy for hitting an 850 credit score. Rather, being in the excellent range unlocks a few extra perks and borrowing power.
Woman in glasses sitting on a couch smiling while using a tablet.
Oct. 7, 2025 | By Joel O'Leary

5 Money-Saving Hacks I Learned From Millionaires

Millionaires drive boring cars, use credit card points, max out the right accounts, leverage real estate, and actually pay attention to their numbers.
credit score with calculator.jpg
Oct. 4, 2025 | By Joel O'Leary

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

A 750+ credit score unlocks more than low interest rates. Learn about the top hidden perks, from cheaper car insurance to earning rewards.
Airplane passenger flying business class
Oct. 1, 2025 | By Jake FitzGerald

5 Budget Travel Hacks to Book Cheap Business-Class Flights

Want to fly business class for less? These five hacks show you how to book cheap luxury flights using rewards, upgrades, and deals.
Smiling girl holding black credit card
Sept. 29, 2025 | By Joel O'Leary

7 Little-Known Credit Card Tips That Could Save You Money

Credit cards can do more than you think. Discover seven simple tips to cut costs, protect your stuff, and make your rewards go further.
A man sitting on his couch with bills and a laptop on the coffee table in front of him.
Sept. 28, 2025 | By Joel O'Leary

Why a Guy Who Hates Debt Still Uses Credit Cards Every Day

Credit cards can be powerful tools if used wisely. Here's why I still swipe them daily despite hating debt.
Woman looking at her cell phone in frustration as she holds a credit card in her other hand.
Sept. 25, 2025 | By Jake FitzGerald

Here's What Actually Happens When You Max Out a Credit Card

Maxing out a credit card tanks your score, raises payments, and racks up interest. Here's what really happens.
A couple paying their bills at a table with a laptop and notebook.
Sept. 23, 2025 | By Joel O'Leary

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

Paying your balance off every week can lower your utilization, cut interest costs, and help you build stronger money habits. Here's why it works.
A desk with a chalkboard with drawing of a piggy bank and a checkmark next to Excellent Credit Score.
Sept. 18, 2025 | By Joel O'Leary

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

Hitting an 850 credit score sounds epic, but does it really change anything? Here's what actually happens when you reach the top.
A man looking through paper bills while sitting on a couch in front of a laptop.
Sept. 17, 2025 | By Joel O'Leary

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

Paying my credit card weekly helps me stay on top of spending, avoid interest, and benefits my credit profile. Here's why it works so well.
Man using laptop to search for flights.
Sept. 17, 2025 | By Joel O'Leary

5 Places You Should Never Swipe Your Debit Card

Debit cards can leave your money exposed. Here are five risky places where swiping could cost you more than you think.
Person holding phone and paperwork on a clipboard and making calculations while sitting on a couch.
Sept. 11, 2025 | By Joel O'Leary

How Much Money Could a Balance Transfer Save You? Here's the Math

Learn how much a balance transfer could save you in interest -- with real numbers and a quick way to find the right card.
Couple smiling while reviewing something on smartphone screen.
Sept. 11, 2025 | By Joel O'Leary

Cash Back vs. Points: Which Is Better?

Find out how each rewards system works, when to use them, and how to maximize your card benefits for the most value.
Three people sitting in consecutive aisle seats on an airplane.
Sept. 9, 2025 | By Joel O'Leary

5 Little Habits That Keep Frequent Flyers in Business Class

Want to fly business class without paying sky-high prices? Learn about these five smart travel habits that can help you upgrade your seat for less.
woman sitting on couch reading document while holding her head
Sept. 6, 2025 | By Joel O'Leary

3 Shocking Reasons You Can Be Denied a Credit Card With an 800 Credit Score

Even with a perfect credit score, you can still be denied a credit card. Find out why it can happen and how to bounce back.
Two people looking at credit score on phone.
Sept. 1, 2025 | By Joel O'Leary

7 Credit Score Myths You Can't Afford to Believe

Don't let common credit myths tank your finances. Here are the biggest misconceptions about credit scores, and the truth you need to know.
A travel credit card sits atop a stack of four hundred dollar bills.
Aug. 31, 2025 | By Joel O'Leary

I Write About Credit Cards for a Living. Here's How I Earn $1,300+ in Rewards Each Year

Every dollar I spend goes on a rewards card, and I open new cards strategically to rack up over $1,300 per year. Here's how I make it work
A map with computer, notepad, passports, and other travel supplies.
Aug. 29, 2025 | By Joel O'Leary

Stop Hoarding Credit Card Points: Here's How to Transfer Them for Bucket-List Travel

Millions of points go unused every year. Here's how to transfer your credit card rewards for high-value business class travel instead.
Man scratching his head and looking at a phone.
Aug. 18, 2025 | By Joel O'Leary

What to Do if Your Credit Card Application Gets Denied

Got denied for a credit card? Here's how to bounce back, fix what went wrong, and improve your odds of approval next time.
An upset man reading over his bills with his hand on his face.
Aug. 16, 2025 | By Joel O'Leary

My Credit Score Is 822. Here's Why Amex and Citi Denied My Credit Card Application

A perfect credit score doesn't guarantee approval. Here's why I got denied by Amex and Citi, and what you can learn from my experience.
A woman reading papers at an office desk.
Aug. 15, 2025 | By Joel O'Leary

5 Reasons You Can Be Denied a Credit Card (Besides Your Credit Score)

Even with an excellent credit score, a lender can still reject you. Here are five other factors that might stand in your way.
Man using laptop to view his excellent credit score of 811.
Aug. 14, 2025 | By Joel O'Leary

4 Traits of Americans With a Perfect 850 Credit Score

Only 1.54% of Americans have a perfect 850 credit score. Learn the main habits they share, and how using them can boost your own score.
Online Shopping With a Credit Card
Aug. 12, 2025 | By Joel O'Leary

5 Places You Should Never Use a Debit Card

Debit cards lack the rewards and protection of credit cards. Learn when using one could cost you more than you think.