Applying | Credit Card Topics

2018 Wells Fargo Propel American Express® Card Review

By: Brittney Mayer, 10/16/2018

As a consumer, few things are as disappointing as thinking you've found the perfect deal — only to be let down by the fine print. Many of the best rewards credit cards, for example, offer high-rate bonus rewards for popular purchase categories — but they also charge big annual fees that can make those rewards a lot less valuable. The Wells Fargo Propel American Express® Card breaks the cycle, offering robust rewards without an equally robust annual fee. Cardholders can... read more »

27 Best Credit Cards for No Credit in 2018

By: Brittney Mayer, 10/9/2018

Although we prefer it to be common sense, enough folks try to enter restaurants and other businesses without proper coverage that the "No Shirt, No Shoes, No Service" signs are a common sight on the doors of modern retail establishments. But what if "No Credit" were to join the list of things that can get you barred from a business? In a day and age where everyone from your lender to your landlord is checking your credit reports, it's not as hard of a stretch as you might think. ... read more »

2018 Capital One® Savor® Cash Rewards Credit Card Review

By: Ashley Dull, 9/25/2018

Some things simply go together, like turkey and stuffing, Bert and Ernie, dinner and a movie — or credit cards and rewards. So, given that these quintessential pairs are already double the awesome, how do you up the ante even more? Why, by pairing the pairs, of course. Take the Capital One® Savor® Cash Rewards Credit Card, for instance. This cash back card offers big bonus rewards for dining, entertainment, and groceries alike, giving cardholders the ability to turn that... read more »

2018 Credit Card Approval Odds by Issuer

By: Brittney Mayer, 9/11/2018

Although every credit card issuer sets its own approval standards, they all generally want the same types of customers. Thus, your odds of being approved for a credit card will vary more with your credit history than any other factor, including the issuer itself. Supporting that conclusion, a recent CFPB report found that consumers with superprime and prime credit scores were significantly more likely to be approved for a new credit card than consumers with lower scores: ... read more »

21 Picks for a Best First Credit Card in 2018

By: Brittney Mayer, 8/31/2018

Life is full of firsts. Your first steps, your first date, your first pizza — each first, whether big or small, is one of the many moments that make up a lifetime. But, some moments are more significant than others. In fact, some firsts have the ability to set the tone for what's to come, and, sometimes, to shape your future. Like getting your first credit card. The card you choose — and how you choose to use it — can influence your financial future for years, if not decades... read more »

18 Best Secured Credit Cards in 2018

By: Ashley Dull, 8/10/2018

In a time when your word to repay was all lenders had to go on, collateral was a common way to add a little extra security for the financier to the deal. Today, in the age of credit reports and scores, a positive credit history acts as collateral for a variety of credit products. But, what if you don't have a credit history — or you do, but it's not in great shape? Secured credit cards harken back to the idea of collateral by using a cash deposit as security against default.... read more »

6 Best Wells Fargo Credit Cards for 2018

By: Ashley Dull, 7/27/2018

Whether thanks to history or cinematic recreation, some things are iconically Western, like cowboys, saloons, and stagecoaches. And — Wells Fargo? While not what many of us think of when we pass by a Wells Fargo branch, the modern-day Wells Fargo can trace its roots to the Wild West and the famed Pony Express. Those stagecoaches on its sign aren't just for show. Today's Wells Fargo may not operate many cross-country stagecoaches, but it does have thousands of bank branches that... read more »

5 Facts About the Shopping Cart Trick for Credit Cards

By: Brittney Mayer, 7/13/2018

Although it's a little counter-intuitive to some, applying for new credit can cause your credit score to drop by several points. That's because of the hard credit inquiry added to your credit reports when lenders check your credit. While a single hard inquiry has only a small impact, multiple hard inquiries within a short period of time can cause more significant damage. As a result, it's always best to minimize the number of hard inquiries that show up on your reports. One such... read more »

21 Best Credit Cards for New Homeowners in 2018

By: Brittney Mayer, 7/11/2018

Although the purchase price of your new home was likely in the six figures, handing over that check at closing is often only the start of the spending. You still need to pay for the move, set up utilities, fix that leaky faucet, buy furniture — and the list goes on. In other words, while finding savings where you can is always a good idea, it can be downright vital for many new homeowners whose budgets are already strapped. That's where using the right credit cards can make a... read more »

18 Best Credit Cards for Light Spenders: No Fees for Low Spending

By: Brittney Mayer, 7/6/2018

Credit card blogs are always full of churners and high rollers who put thousands of dollars of spend on their cards each month to earn free trips around the world. But while these stories can be inspiring, they're not often manageable for the typical cardholder. On the bright side, you don't actually need to spend like a Rockefeller to take advantage of credit card rewards. Even modest spenders can earn great cash back, points, and miles — without breaking the bank. Tons of great... read more »

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