The Ultimate Guide to Credit Cards
Saturday, December 14, 2019

All articles tagged Fees (11)

3 Ways to Avoid Purchase Interest Charges on Credit Cards

3 Ways to Avoid Purchase Interest Charges on Credit Cards

There’s an old saying, “If you dance to the music, you have to pay the piper.” Many people follow the same mindset with credit cards, thinking that interest charges are simply the fee you pay for the convenience of using plastic. But, believe it or not, there are multiple ways to avoid purchase interest charges on credit cards. Below we'll look at three ways to avoid these pesky fees so you no longer have to pay the piper, er, bank. 1. Open a Card with a 0% Promotional APR ... read more »

14 Best No Foreign Transaction Fee Credit Cards of 2019

14 Best No Foreign Transaction Fee Credit Cards of 2019

Each year, millions of Americans travel to exotic locations abroad, whether for business or an exciting vacation. But even if it’s thoroughly planned and researched, international travel can be expensive. That’s why savvy travelers do everything they can to cut costs and lower fees when venturing to foreign destinations. Among the ways to lower your travel expenses is to use a credit card that charges no foreign transaction fees when making purchases or converting to the local... read more »

15 Best No Annual Fee Credit Cards of 2019

15 Best No Annual Fee Credit Cards of 2019

If you’re looking for the most credit card value for your dollar, then credit cards with no annual fees are just what the doctor ordered. These cards offer plenty of the perks you get from credit cards that charge annual fees but without that yearly hit to your bank account. These perks include airline miles, cash back, and introductory 0% APRs, even if your credit score is less than perfect. Another benefit of no-annual-fee credit cards is that it’s easy to keep using them over... read more »

Dave™ App Helps Millions of Users Predict Expenses and Avoid Overdraft Fees with Quick Advances

Dave™ App Helps Millions of Users Predict Expenses and Avoid Overdraft Fees with Quick Advances

In a Nutshell: The Dave app arrived in 2017 as nearly 25% of Americans were exceeding their checking accounts at least once a year, and banks were charging them nearly $35 billion in overdraft fees. The app helps consumers track their expenses and forecast spending patterns based on data the platform accrues from financial accounts. Dave helps millions of users stay within their limits and avoid costly overdraft charges. And when the unexpected happens, Dave stands ready to advance... read more »

7 Options for When Your Credit Card Interest Rate Rises

7 Options for When Your Credit Card Interest Rate Rises

There's no doubt about it: Credit card interest rates are going up, and these rate hikes can hurt consumers who don't pay off their card balances every month. Rates are rising because the Federal Reserve hiked its benchmark federal funds rate earlier this year. Consumers don't pay this rate directly, but when it goes up, market rates — the rates consumers do pay — also tend to move higher. In the article below, we'll dive into important things to know -- and actions to take --... read more »

Banks and Credit Unions Turn to Allpoint to Provide Customers with Access to 55,000 Surcharge-Free ATMs Worldwide

Banks and Credit Unions Turn to Allpoint to Provide Customers with Access to 55,000 Surcharge-Free ATMs Worldwide

In a Nutshell: Consumers who are searching for a new financial services provider no longer use name recognition as their deciding factor. With more options than ever, the institution with the lowest fees and convenient accessibility often attracts the most new customers. More than 1,000 card providers, including banks and credit unions, partner with Allpoint to eliminate ATM surcharges, one of the most common fees incurred by customers. The Allpoint surcharge-free ARM network features... read more »

17 Cheap Credit Cards with Low Interest and $0 Fees

17 Cheap Credit Cards with Low Interest and $0 Fees

Let's talk about cheap credit cards — that is — cards with low interest rates and no fees. When you think about it, fees are a lot like the ninjas of the credit card world. They're excellent at hiding, they can sneak up on you when you least expect it — and they can cost you a limb if you're not careful. But while ninjas are notoriously difficult to best, most credit card fees can be defeated simply by choosing the right card (and using it wisely). The key to minimizing the... read more »

18 Best No Annual Fee Credit Cards (2019)

18 Best No Annual Fee Credit Cards (2019)

No annual fee credit cards are among the most appealing to many consumers these days. Having to pay an annual fee can be a disincentive for applying for an otherwise appealing card. Below, we've compiled a list containing our picks for some of the best no annual fee credit cards out there today. Looking at the cardholder agreements that come with new credit cards can be a bit intimidating, full as they are with descriptions of the copious fees for using the cards' features. On the... read more »

12 Best Chip-and-PIN Credit Cards in the U.S.A. (No Foreign Transaction Fees)

12 Best Chip-and-PIN Credit Cards in the U.S.A. (No Foreign Transaction Fees)

Credit cards haven’t had a makeover in years, but all that changed with the introduction of EMV (Europay, MasterCard, and Visa) technology. EMV offers a much more secure shopping experience in that every time the card is inserted into a chip-enabled checkout device, the purchase generates a unique transaction code that cannot be used again. There is an important difference between chip-and-PIN and chip-and-signature transactions, both of which are offered with EMV. Most of us will... read more »

14 Best “No Fee” Credit Cards (Balance Transfer, Prepaid, Annual & More)

14 Best “No Fee” Credit Cards (Balance Transfer, Prepaid, Annual & More)

For me, one of the most frustrating things about moving to a new apartment (besides hauling my couches around while my brothers complain) is all the fees that get tacked on. "There's a cleaning fee," my old apartment complex tells me, so I pay that. "There's an early move-in fee," my new apartment complex explains, so I pay that too, using a debit card, which adds another fee. Then, there's the dog fee, the turning-on-your-power fee, the security fee, the paperwork fee, the... read more »