Delta One Business Class Review [A330, PEK to SEA]

Hands down Delta’s second best business class product, after the flagship suites. Hopping between Asia and the US, you’d think I wouldn’t hesitate to throw some points down for a tier 1 airline like Singapore’s A380 business class, ANA, JAL, Cathay, or even Korean, but sometimes you just don’t have the luxury of time (or… continue reading

Either these seats go, or I go… I’m torn. This was my first ever business class product several years ago when I redeemed some American Express points that I transferred to Delta for a flight to LHR out of DTW. I’m not the first and I won’t be the last person to say that once you… continue reading

Bottom Line: Whether a credit card reward is taxable depends on whether the Internal Revenue Service (IRS) considers the reward to be a rebate or an award. When a Reward is Not Taxable Generally, when you earn a reward by making a financial transaction such as a purchase, the reward is considered a rebate or… continue reading

Sitting in the back of the plane has never looked so good… One of my favorite ways to redeem American Express Membership Rewards or Chase Ultimate Rewards points is via transfer to Singapore Airlines. Though KrisFlyer points were devalued slightly in mid-2017, and again in early 2018, they remain a great value for what is… continue reading

Just because you’re staying in an Airbnb doesn’t mean you can’t be maximizing your rewards points beyond the usual category bonus. As we all know, Airbnb counts as part of the travel category when earning bonus points on your Chase Sapphire Reserve℠ or Chase Sapphire Preferred® Card, so you’ll be earning 3x (Sapphire Reserve) or 2x (Sapphire Preferred)… continue reading

Great use of Delta SkyMiles. As a US-based traveler, getting to and from Indonesia requires a stop somewhere, whether it’s Singapore, Seoul, Tokyo, Taipei, or even Dubai. I needed to get to Tokyo on my way home, however, because I was planning on flying ANA’s first class Square from Tokyo to Seattle, which usually doesn’t fly… continue reading

The interest rate applicable to credit card accounts is also referred to as the “annual percentage rate,” or APR. The interest rate applicable to most balances on a credit card, including the balance generated by purchases, is often referred to as the “retail” or “purchase” APR. Historically speaking, credit card offers in 2017 were very… continue reading

Depending on your financial circumstances, there may not be a single perfect card that meets all of your needs. Therefore, having more than one credit card can be a good option. Here are some other reasons having more than one credit card can be smart:   Save Money With Balance Transfers. If you have an… continue reading

The one-size-fits-all approach definitely doesn’t work in the context of choosing a credit card. Each person has a unique set of circumstances, spending habits, and needs that may make one credit card a better fit than another. By helping you to understand the differences between credit cards, Credit Card Rewards can help you find the… continue reading

One of the best perks of using your credit card is earning the points to pay for your next vacation.  During our last family vacation we traded in our airline miles for 4 domestic round-trip flights, used airline fee credits to cover the cost of our checked baggage, discounts at one of the hotels we… continue reading

As any start-up business owner knows, when you’re starting a new business it may be difficult to get funding. Out of necessity, many new business owners rely on personal credit cards to get their new business off the ground.   Advantages to Using Your Personal Credit Card The advantage to using your personal credit card… continue reading

Your Credit Score is No Mystery Sometimes it can seem like credit scores come from a black box, but the reality is that is not the case. Here are 10 common credit score myths that we’ve debunked in order to help you better understand your credit score and how & why it changes. [toc] Myth… continue reading

Areas of Your Life Affected By Your Credit Score A credit score is a number between 300-850 that estimates your creditworthiness by taking into account the details on your credit report. Having a good credit score is important because it determines whether you’ll qualify for a loan or new service and how beneficial the terms of… continue reading

If your credit history has been damaged by late payments or too many inquiries, time is your biggest ally. Over time, the effect of these negative events lessens. In addition, there are steps you can take:   #1 Pay your Bills On Time. Late payments and collections can seriously damage your credit and simply paying… continue reading

Without fail, every time you check-out at department, big box, or retail chain store you’ll be offered a quick savings if you sign up for their store credit card. Saving money upfront may be tempting, but you should think twice.   #1 Most store cards have higher interest rates than other cards, which will likely… continue reading

Many cards offer more than points and cash back In addition to cash back, miles, and low or no interest rates, many credit cards offer special benefits that not all cardholders are aware of. In order to maximize the benefits offered by your credit cards, its important to read the fine print that comes with… continue reading

  No Credit History: If you’re under 18 you’ll be denied credit on your own, but you could still be added as an authorized user on your parents’ card. If you are at least 18 but have no credit history it will be harder to get a traditional credit card but still possible. [INSERT TIPS… continue reading

According to the 2017 Consumer Financial Protection Bureau (CFPB) Consumer Credit Card Market Report, every day, U.S. consumers submit over half a million applications for credit cards. Because rejected applications may negatively impact your credit score, it’s wise to apply only for cards that you have a good chance of being approved for. These 4… continue reading

A balance transfer allows you to move your credit card balance to a different credit card with a lower interest rate. Having a lower interest rate allows you to pay down your debt faster and save on interest payments. How much can a balance transfer save? Transferring a balance from a high annual percentage rate… continue reading

1: Choose wisely. Choose the best credit card for the way you use it. Credit cards are not one-size-fits all — some offer rewards or airline miles as sign-up bonuses, while others offer cash back. Check out the best travel rewards credit cards. 2: Know Your Rewards. Be sure to take advantage of all the rewards… continue reading