citi-logoNot everyone loves their credit cards. When a payment arrives late by accident, cardholders may have to pay expensive late fees and interest charges, and their APR may even rise to a much higher penalty interest rate. Frankly, some credit card users have no interest in giving their business to a company that is bent on penalizing them.

Citi Simplicity® Card

Thankfully, there is one credit card offered that has no penalty interest rate or late fees, ever. The Citi Simplicity® Card does away with those punitive fees, and has no annual fee either. In addition, it offers the longest promotional terms of any offer currently available. New cardholders receive 18 months of interest free financing on both new purchases and balance transfers, with a 3% balance transfer fee. [click to continue…]

rewards-jason-proThe airline industry has finally become profitable on a consistent basis, and some carriers are now actually doing quite well as the industry consolidates. These trends might explain why carriers are being less generous with their frequent flier programs.

They are still handing out plenty of miles from their credit cards, although both Delta and United will be offering fewer miles to most travelers starting next year. Instead, airlines are making it more and more difficult to redeem miles for award travel at the lowest mileage levels. Customers are being asked to spend more miles of the same seats, and the award seats that are being made available are often ones that were heavily discounted anyways.

As a result many cardholders are only receiving 1 – 2 cents in value for each mile earned from their credit cards, and often even less. Since most airline credit cards offer just a single mile per dollar spent, cardholders are right to ask themselves if these frequent flier miles are still considered competitive rewards. [click to continue…]

Ask the Professors: What is the Hardest Thing about Personal Finance for Students?

September 11, 2014
Ask the Professors: What is the Hardest Thing about Personal Finance for Students?

Understanding personal finance is something that many people are still trying to master with each passing year, so when you’re a student personal finance can seem like a lot to handle at first. Whether you’re still in school or still trying to improve your finances, getting all of the advice you can get as soon […]

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Barclaycard Arrival Plus Versus Standard Arrival

September 10, 2014
Barclaycard Arrival Plus Versus Standard Arrival

Barclaycard has a winning formula with its Arrival credit cards. Both the standard Arrival and the Arrival Plus offer miles that can be redeemed for statement credits towards any travel reservation. The difference is that the standard Arrival offers just one mile per dollar spent on all purchases, and double miles on travel and dining, […]

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Credit Cards That Offer Rewards And Promotional Financing

September 8, 2014
Credit Cards That Offer Rewards And Promotional Financing

Some cardholders just want to earn valuable rewards, while others are most in need of a promotional financing offer. Thankfully, those who need both don’t have to choose between one of the other, as there are several cards that offer both rewards and interest free promotional financing offers. Here are a few of the best […]

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Rewards Pro – My Strategy For Keeping And Cancelling Cards

September 5, 2014
Rewards Pro – My Strategy For Keeping And Cancelling Cards

When ever I talk to people about credit card use, they are always confused about how to manage their credit card accounts. As a credit card expert, they typically ask me how I do it. Which cards do I get I look for two things in a credit card. The first is a generous sign […]

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Mistakes People Make With Balance Transfers

September 3, 2014
Mistakes People Make With Balance Transfers

Promotional balance transfer offers are a great way to save money on interest charges, but they are not completely foolproof. Here are some of the common mistakes cardholders can make when they try to use these offers. Don’t pay too much in balance transfer fees Currently the is the only card on the market from […]

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Rewards Pro – Loyalty Programs I Love

August 29, 2014
Rewards Pro – Loyalty Programs I Love

Airlines and hotels often receive a bad reputation for being too complicated and for changing their programs without advanced notice. For the most part, they deserve much of their criticism. Nevertheless, there are still some programs out there that have earned my admiration, trust, and yes, loyalty. Southwest Airlines Rapid Rewards Don’t believe it when […]

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