4 Ways Health Insurance Can Save you Money

Many health insurance shoppers will consider premium costs when purchasing health insurance. The full cost of a health planalso includes your out-of-pocket expenses, like the deductible, copays, and coinsurance.

As important as it is that your health plan is affordableand that the monthly premiums fit into your budget, it’s also important to consider the value health insurance offers. If you’re considering opting out of health insurance next year, evaluate the value of the following health plan offerings before you finalize your decision:

  • Discounted rates
  • Cost-sharing
  • Preventive care coverage
  • Additional features

While everyone has a different financial situation with varying constraints, health insurance is a worthwhile investment.

1. Discounted Rates 

Health insurance companies negotiate costs directly with hospitals and other medical care providers. These rates are then included with the health plans offered by the company. 

Some plans only have negotiated rates for in-network providers. Others have different negotiated rates for in-network care and out-of-network care. All health plans offer coverage for emergency services when a patient is admitted—whether or not the care was received from an in-network provider.

The amount the hospital or clinic usually charges is higher than the negotiated rate. The differences between the negotiated rate and the standard rate varies depending on how the insurance company has negotiated. 

However, when you receive an Explanation of Benefits (EOB) with the breakdown of costs, you’ll see:

  • What the hospital or clinic usually charges
  • What the negotiated cost actually was
  • What portion of the bill your health insurance company paid
  • The amount left for you to pay

2. Cost-Sharing 

Health insurance plans come with an annual deductible and annual out-of-pocket maximum. The deductible is the amount of money the insured must pay in cost-sharing over the course of the year before the insurance company takes on a greater responsibility for the costs. The out-of-pocket maximum is higher than the deductible. Once it is reached, the insurance company is responsible for the remainder of your covered medical expenses.

Health insurance plans often have separate deductibles for prescriptions and medical care. Health insurance plans that offer out-of-network coverage will have a different deductible and out-of-pocket expenses maximum for out-of-network care and in-network care. 

Health insurance companies determine cost sharing in a few different ways depending on how your plan works. With a traditional plan, you’ll have copays and coinsurance. Coinsurance means that the insured pays a certain percentage of the discounted medical bill.

Copays are a set amount that the insured pay when they receive health care services. There are usually set amounts for prescriptions, primary care visits, specialist visits, and emergency services. Payment may also be required beyond the copay after the bill is processed by the insurance company. The copay contributes to this payment.

High-Deductible Health Plans (HDHPs) with Health Savings Accounts (HSAs) work differently. Instead of having copays and coinsurance, you pay for your medical expenses as you receive medical care. You can use the funds in your HSA to pay these costs.

Funds in your HSA roll over year to year and can be invested. The money you put into your HSA is tax-free. The monthly premiums for HDHPs tend to have lower premiums because a greater cost responsibility is on the policyholder. Some people take advantage of these plans while they are healthy and save funds for medical expenses later in life.

The specifics of cost-sharing differ from plan to plan, so carefully reviewing your plan before signing up will help you understand how the cost-sharing works.

3. Preventive Care Coverage 

Because of the Affordable Care Act, health insurance plans cover preventive care fully. While the future of the Affordable Care Act is uncertain, coverage for preventive care is an important way that health insurance protects your finances.

Doctors can detect some health problems early on and implement treatment plans to prevent the issue from developing further. Regular visits to the doctor go a long way in avoiding expensive bills later, especially for preventable issues.

It’s especially important for people with some diagnoses and conditions to visit a specialist regularly as needed because some health issues can be managed successfully and future complications can also be avoided.

4. Additional Features 

Health insurance companies also offer the following helpful features with their plans:

  • Telemedicine
  • Nurse help lines
  • Care management

These additional features are helpful resources for people. Telemedicine allows plan members to work with a doctor over the phone or through video chat in non-emergency situations. Some companies offer this service to plan members for free, like Oscar. Other companies also offer it as an a la carte supplement to health insurance, like GoHealth.

Others may charge a fee when you use the telemedicine service. The fee for the telemedicine service may vary based on your plan and your insurer and can be cheaper and faster than setting an appointment with your doctor or visiting an urgent care.

Nurse help lines are another common offering among health insurance companies, including Cigna. This hotline gives people quick access to a nurse without needing to leave their home. In non-emergency situations, the nurse can answer questions and give advice on scheduling appointments. 

While these benefits are nice and do not require you to establish care with a doctor, you can always call your doctor’s office with questions to get similar assistance. If the doctor can’t take your call, one of the assistants can take a message and get back to you with a response in a non-emergency situation. Even after hours, there’s usually a doctor on-call. 

Another benefit some health insurers offer is care management. These can be helpful to people who want support with improving their health. Companies like Kaiser Permanente offer this with many of their plans to help members with chronic conditions.

Is the Investment Worth It? 

It’s easy to see how much your health insurance plan saves you on medical care when you review the EOB.

It’s trickier to determine if the cost of monthly premiums is worth the savings. If you have health insurance, you can keep track of how much you are spending on medical care, prescriptions, and premiums. Evaluate you EOBs over the course of the year to understand what the costs would have been without insurance.

Medical procedures, surgeries, and emergency medical treatment are more expensive than preventive care. Some of these events can be planned for in advance, but many cannot. 

Because of the high financial cost of these services, not having health insurance is a risk for your financial stability.


Alice Stevens loves learning languages and traveling. She currently manages content for BestCompany.com, specializing in personal finance, health insurance, Medicare, and life insurance.

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What Does Having a Derogatory Public Record on My Credit Report Mean

I Found a Judgment on My Credit Report. Now What?

Since the National Consumer Assistance Plan went into effect in 2017, public records must meet strict requirements in order to appear on consumer credit reports. Civil judgments and tax liens do not meet these new requirements, so they were removed from credit reports. At this point, the only derogatory public record that should appear on your credit report is bankruptcy. If a tax lien or civil judgment still appears on your credit report, you should dispute that record with the credit reporting agencies.

How Much Do Public Records Affect Credit Scores?

Bankruptcy can cause a FICO score to drop by 200 points or more. A filing may lower credit scores for seven to 10 years and be difficult to remove from a credit report unless any information is inaccurate.

The decision to exclude other public records slightly increased FICO scores for many consumers and resulted in increases of 20 to 40 points in some cases.

Bankruptcies and Your Credit Report

Bankruptcies are the one public record that are still included on your credit report. In most cases, they will remain on your report for seven to 10 years.

You can dispute an inaccurate report of bankruptcy or one being reported beyond the statute of limitations. Review your report for any inaccuracies and contact the credit bureaus to dispute inaccuracies if need be. If a credit bureau claims to have court verification of a bankruptcy, you should send a procedural letter to determine how they verified the public record on credit report. Follow up with the courts to determine whether the bankruptcy was actually verified.

〉 Learn more about when and why you should file bankruptcy and how doing so will affect your credit.

Civil Judgments and Your Credit Report

Civil judgments result when a creditor sues you for an outstanding debt and wins. That creditor then has more avenues for pursuing payment: they may now satisfy delinquent or outstanding debt through wage garnishment or by seizing funds from checking or savings accounts.

Judgments are no longer factored into credit scores, though they are still public record and can still impact your ability to qualify for credit or loans. Lenders may still check to see whether any outstanding judgments against a potential borrower exist. You should pay legitimate judgments and dispute inaccurate judgments to ensure these do not affect your finances unduly.

〉 Learn more about how to deal with civil judgments.

If a civil judgment is still on your credit report, file a dispute with the appropriate credit reporting agencies to have it removed.

Tax Liens and Your Credit Report

Tax liens are filed by the IRS when you don’t pay your taxes. A lien is automatically filed when you owe more than $10,000. When the IRS files a tax lien against you, it essentially gives the agency first dibs on any payment you receive from selling or liquidating your assets to pay your debts.

While tax liens are no longer reported on credit reports, they can significantly impact your financial situation in ways that indirectly affect your credit score.

〉 Learn more about tax liens.

If a tax lien is being reported on your credit report, file a dispute.

How to Deal with Derogatory Public Records

Although judgments and tax liens are no longer filed on credit reports or factored into credit scores, these penalties can undermine your financial standing. If a derogatory public record is filed against you‚ you should monitor the effects on your credit and ensure that information pertaining to your filing is accurate.

Check your reports regularly to ensure they are fair, accurate and up-to-date. You can watch for changes by getting your free Credit Report Card and credit score monitoring from Credit.com.

Sign up now!

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Can a Debt Collector Call During the Holidays?

Getting a call from a collection agency looking to recoup an old debt you owe is more common than you think. A lot of people have to field debt collection calls during holiday dinners or family gatherings. Are you one of them? Here are some frequently asked questions about debt collection calls during the holidays and what you can do about them.

Can Debt Collectors Call You on the Holidays?

There aren’t any specific guidelines for holidays like Chanukah, Christmas and New Year’s. But you could argue that these calls on the holidays are annoying and inconvenient. To do this, make sure you note the date and time of every call you receive.

Under the Fair Debt Collection Practices Act (FDCPA), it’s legal for a debt collection agency to try to recoup an outstanding bill you actually owe, but there are restrictions about how and when they can do so. For instance, debt collectorscan’t call you at times they know are inconvenient. That includes calls early in the morning or late at night. They also can’t call you at work if you ask them to stop, and they can’t call repeatedly throughout the day. Keep an eye on the calls you get from a collection agency in case they’re committing FDCPA violations.

How Can I Keep Debt Collectors from Ruining My Holiday?

If you’re getting calls from a collection agency around the holidays and want to try to put an end to them, try these strategies. They may help you curtail some of these phone calls.

1. Ask Them to Stop

If you’re on a collection agency’s radar and you don’t want them calling during holidays, you can ask them to stop calling you. Under the FDCPA, you have certain rights. One of which is if you send a written request asking a debt collector to stop contacting you, they must do so. However, it’s important to note that this request doesn’t absolve you of the debt—or the ramifications of letting a long-overdue bill you legitimately owe go unpaid.

That account could still wind up on your credit report and do big damage to your credit score. And the collector could elect to seek a judgment against you to recoup the debt, which could result in garnishment and further hurt your credit. You can see how any collection accounts are affecting your credit by viewing your free credit score, which is updated every 14 days, on Credit.com.

2. Negotiate a Repayment Plan

Negotiating a repayment plan could stop the collector from taking further action against you. If you do work something out, be sure to ask the collector to put your agreement in writing. That helps ensure they stick to what was agreed.

If you have an unpaid bill that hasn’t gone to collections yet, like an old medical debt, you may want to touch base and see if you could work something out with the creditor. They may be more willing to waive some fees, lower an interest rate or take a large lump sum payment that’s less than what you actually owe. Many creditors or service providers wait at least 90 days before turning a debt over to collections.

3. Seek Legal Advice

If you truly don’t owe the debt or you think a debt collector has crossed a line, you can consult a consumer attorney about whether you have a FDCPA claim and what your next steps should be. Remember, when it comes to debt collection, it helps to know your rights and educate yourself on the process.

Other Common Questions

Can debt collectors call from restricted numbers?

Debt collectors are allowed to call from private numbers or block caller ID from catching the number. However, they cannot purposely mislead you by acting like the call is coming from an attorney or an official agency. If you get a call from a spoofed or misleading number, it could be a scammer.

How many times can a debt collector call you?

There are no specific guidelines for how many times a debt collector can call you. However, repeated calls in one day, or those early in the morning or late at night, may be considered harassment. Keep notes about when debt collectors call you in a small notebook or phone so you can demonstrate that they’re crossing lines if you want to make a case against them.

What happens if you ignore debt collectors?

It depends on the type of debt as well as the amount and the age. In some cases, nothing will happen if you ignore the debt collectors, but in others, you may end up taking a large hit to your credit and face possible lawsuits and wage garnishments. This is common in cases where the debt is legitimate and the collector has made attempts to receive payment without your cooperation.

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Prefer the Train? Here Are 4 Credit Cards for Riding the Rails

[UPDATE: Offer(s) below is no longer available through our site. Please visit our credit card marketplace for current offers.DISCLOSURE: Cards from our partners are mentioned below.]

If you prefer traveling by train, you’re already familiar with the advantages of riding the rails. You can avoid the hassles of airports and highways, travel in comfort, and take in the scenery as you go.

Many travel credit cards are singularly focused on flights and hotels. But some offer rewards that are just as valuable for train travelers.

Here are four travel credit cards for riding the rails.

1. Amtrak Guest Rewards World Mastercard

Rewards: Three points per dollar on Amtrak purchases; two points per dollar on eligible travel purchases; one point per dollar on all other purchases.
Sign-Up Bonus: 20,000 bonus points if you spend $1,000 in the first 90 days.
Annual Fee: $79
Annual Percentage Rate (APR): 16.49% to 24.49%, based on your creditworthiness (as of 12/19/2019).
Why We Picked It: This card is designed for regular Amtrak riders.
For Rail Travel: You’ll earn triple points on all Amtrak purchases, double points on qualifying travel purchases, and single points on every other purchase. Points can be redeemed for car rentals, hotels, gift cards, and more. But when you redeem for Amtrak travel, you’ll earn a 5% rebate on points. You’ll also receive a free Amtrak companion pass with a yearly renewal once you open your account.
Drawbacks: If you don’t ride Amtrak, this card isn’t for you.

2. Chase Sapphire Preferred

Rewards: Two points per dollar on dining and travel; one point per dollar on all other purchases.
Sign-Up Bonus:
60,000 bonus points if you spend $4,000 in the first three months.
Annual Fee:
$95
APR: 17.49% - 24.49% Variable .
Why We Picked It: All travel purchases earn points that are redeemable for future trips.
For Rail Travel: Your travel purchases, including train tickets and public transportation, will earn double points. There are many redemption options, but you’ll get an extra 25% in value when redeeming points for travel through Chase Ultimate Rewards.
Drawbacks: There is an annual fee. 

3. Citi ThankYou Premier

Rewards: Three points per dollar on travel; two points per dollar on dining and entertainment; one point per dollar on all other purchases.
Sign-Up Bonus: None
Annual Fee: $0 the first year, then $95.
APR: 
17.49 t 25.49%, based on your creditworthiness (as of 12/19/2019).
Why We Picked It: With triple points on travel, you can rack up rewards quickly.
For Rail Travel: You’ll earn three points per dollar on travel, including passenger and commuter railways. Points can be redeemed for travel, gift cards, merchandise, and more.
Drawbacks: There is no sign-up bonus. 

4. Barclaycard Arrival Plus World Elite Mastercard

Rewards: Two miles per dollar on all purchases.
Sign-Up Bonus:
70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
Annual Fee: .
APR: .
Why We Picked It: Every purchase earns double miles for future travel purchases.
For Rail Travel:
This card is a good choice if you want to earn the same rewards rate across all transactions. Every purchase earns double miles, which can be redeemed for travel purchases—including train fare. Every time you redeem, you’ll get 5% of your redemption back.
Drawbacks: There are no special rewards rates for travel purchases.

How to Choose a Card for Rail Travel

If you primarily travel by train, you’ll want a card that offers great rewards rates for those expenses. With the exception of Amtrak’s travel credit card, there aren’t many cards on the market that single out trains. However, many cards do count rail travel as part of their overall travel category.

For any card you’re considering, verify that train fare will earn travel rewards and that rail travel is a valid redemption option.

What Credit Is Required for Train Travel Rewards Credit Cards?

The best travel credit cards may require good or excellent credit. Make sure you meet the credit requirements of a card before you submit an application. You can check your credit report card for free at Credit.com.

Image: istock

At publishing time, the Chase Sapphire Preferred Card and Barclay Arrival Plus World Elite Mastercard are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved, or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees, and terms for credit cards, loans, and other financial products frequently change. As a result, rates, fees, and terms for credit cards, loans, and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees, and terms with credit card issuers, banks, or other financial institutions directly.

The post Prefer the Train? Here Are 4 Credit Cards for Riding the Rails appeared first on Credit.com.

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5 Credit Cards for Cruise Lovers

5 Credit Cards for Cruise-Lovers

[Update: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

You can have a whirlwind vacation without having to move from hotel to hotel. In fact, on a cruise your hotel room moves along with you.

But besides having a more hassle-free vibe, there are many rewards credit cards that offer cruisers ways to save money on their voyages and earn extra rewards on the money they do spend. Here are five of the best credit cards to help cruise fanatics earn special rewards and make the most of the money they spend.

1. Celebrity Visa Signature Card From Bank of America

This card offers new applicants two MyCruise Points for each dollar spent on Celebrity, Royal Caribbean and Azamara Club cruises, and one point per dollar spent on all other purchases. Points are worth one cent each toward onboard purchases, and new cardholders can earn 10,000 bonus points when they make a transaction within the first 65 days after opening their account. In addition, cardholders receive another 7,500 bonus points after spending $3,000 within 90 days of opening the account. This card is offered in a no-fee version, as well as one with an annual fee of $69 that offers discounts on cruise purchases and no foreign transaction fees.

2. Norwegian Cruise Line World MasterCard From Bank of America

Cardholders earn 10,000 WorldPoints, worth $100 off their next cruise, when they make their first transaction within 90 days. One point is earned per dollar spent on most purchases, and double points on all Norwegian purchases. Cardholders can redeem points for stateroom upgrades, travel discounts, onboard credits, car rentals, hotel stays or gift cards, and they also receive exclusive redemption opportunities for last-minute cruises and other special offers. There is no annual fee for this card, but there is a 3% foreign transaction fee imposed on all charges processed outside of the U.S.

3. The Carnival Mastercard From Barclaycard

This card offers double FunPoints for all spending on Carnival cruises, including onboard purchases, and one point per Dollar spent on all other purchases. Points are worth one cent each toward cruises on Carnival and the other World Leading Cruise Lines such as Princess Cruises, Holland America Line, Costa Cruises and the Yachts of Seabourn. New applicants receive 5,000 bonus FunPoints when they use their card for the first time, as well as 15 months of 0% APR promotional financing on balance transfers completed within 45 days of account opening. After that, there’s a variable APR of 15.49%, 20.49% or 25.49% depending on your creditworthiness (as of 12/19/2019). There is no annual fee for this card, and no foreign transaction fees.

4. Barclaycard Arrival Plus World Elite Mastercard

Although this card is not offered by a cruise line, it earns miles that can be redeemed for any travel-related expense, including cruises. Cardholders earn double miles on all transactions, and each mile is worth one cent each as statement credits toward travel expenses — including not just cruises but airfare, car rentals, hotels and tours. New cardholders receive 70,000 bonus miles after spending $5,000 on purchases in the first 90 days of opening their account. In addition, cardholders receive a 5% rebate on the miles they redeem. There is an annual fee of  for this card, and no foreign transaction fees.

5. Capital One Venture Rewards

Like the Barclaycard Arrival Plus, the Venture Rewards card offers 2X miles on all purchase, and these miles can be redeemed as statement credits towards cruises and other travel expenses. New cardholders also receive 50,000 bonus miles after spending $3,000 within 3 months opening their account. There is a $95 annual fee for this card that is waived the first year, and no foreign transaction fees.

Keep in mind that the optimal way to use a rewards card is to charge no more than you can pay in full each month, and not carry a balance, as the interest charges can negate the rewards you would earn. Also, before you apply for any card, it’s helpful to know your credit score so that you search for a card in your credit range that you’re more likely to get approved for. You can see your credit scores for free on Credit.com, with updates every 14 days.

At publishing time, the Barclaycard Arrival Plus and Capital One Venture Rewards are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. However, this relationship does not result in any preferential editorial treatment.

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

More on Credit Cards:

Image: Purestock

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5 Credit Cards for the Avid Nature-Lover

Even better than the great outdoors? A credit card that rewards you for loving them.

[UPDATE: Some offers mentioned below have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned below.]

If the great outdoors is your ideal destination, the world is full of opportunities for your next vacation or weekend activity. But while your hobbies may be cheap compared to luxury hotels and shopping trips, you still have to pay for outdoor gear, gas and more.

Certain credit cards can help you fund your outdoor adventures and make them more affordable. Here are five credit cards for the nature-lover.

1. Cabela’s Club Visa Classic

Rewards: 2% points back on Cabela’s purchases and at participating Cenex convenience store locations, 1% points back on everything else
Signup Bonus: $25 in points upon approval and $10 in points when you make five purchases in 30 days
Annual Fee: $0
Annual Percentage Rate (APR): 9.99% on Cabela’s purchases. 16.99%, 19.99% or 25.99% for other purchases, based on your creditworthiness (as of 12/19/2019).
Why We Picked It: Cabela’s shoppers earn points good for purchases at the outdoor supplier.
For Your Outdoor Needs: The card earns 2% points on all Cabela’s purchases and 1% points on everything else. Points can be redeemed for free gear and outdoor experiences at Cabela’s.
Drawbacks: If you don’t spend thousands of dollars a year at Cabela’s, keep looking.

2. Bass Pro Shops Outdoor Rewards MasterCard

Rewards: 5% points on Bass Pro Shops purchases, 1% rewards points on everything else
Signup Bonus: $20 statement credit when you spend $100 in the first 90 days
Annual Fee: $0
APR: 9.99% for purchases at Cabela’s and Bass Pro Shops. 16.99%, 19.99% or 25.99% for other purchases, based on your creditworthiness (as of 12/19/2019).
Why We Picked It: Shoppers earn points for future Bass Pro Shops purchases and get access to special discounts all year round.
For Your Outdoor Needs: Cardholders earn 5% points on Bass Pro Shops purchases and 1% points on everything else. Points can be redeemed for goods and merchandise at Bass Pro Shops’ retail locations, website and catalog.
Drawbacks: If you aren’t a die-hard Bass Pro Shops customer, this card won’t provide much value.
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3. Costco Anywhere Visa Card by Citi

Rewards: 4% cash back on up to $7,000 in eligible gas purchases per year, 3% cash back on restaurant and eligible travel purchases, 2% cash back on Costco and Costco.com purchases, 1% cash back on everything else
Signup Bonus: None
Annual Fee: $0 (you will need a paid Costco membership)
APR: [carddata api_url=”https://static.ccom-cdn.com/credit/api/creditcard/v2/offer/citi-costco-citibankcreditcardoffers?af=32806″ option=”onGoingApr”]
Why We Picked It: Costco offers a wide variety of outdoor and sporting products and cardholders can earn big cash back rewards. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
For Your Outdoor Needs: With this card, Costco members can get 2% cash back at Costco, which stocks supplies including camping gear, groceries and outdoor apparel. The additional cash back rates provide many ways to earn cash back on your excursions.
Drawbacks: The card is only available to those with an active Costco membership.->

3. REI Co-op Credit Card

Rewards: 5% back on REI purchases, 1% back on all other purchases
Signup Bonus: $100 REI gift card upon your first purchase
Annual Fee: $0
APR: 12.49% - 24.49%, based on your creditworthiness (as of 12/19/2019).
Why We Picked It: REI shoppers can earn annually distributed rebates on all purchases on top of REI’s member dividend, a profit-sharing program.
For Your Outdoor Needs: The card earns 5% back on REI purchases and 1% back on all other purchases, with rewards distributed annually in the form of a rebate. That’s on top of your REI member dividend, a profit-sharing feature that typically earns you 10% back on your annual REI spending. Plus, every time you use your card, REI will make a donation to the National Forest Foundation.
Drawbacks: This card is only valuable if you spend a lot at REI.

4. Blue Cash Preferred Card from American Express

Rewards: 6% cash back on up to $6,000 in annual spending at U.S. supermarkets, 3% cash back at U.S. gas stations and 1% cash back on everything else
Welcome Offer: $250 statement credit when you spend $1,000 in the first three months (offer may vary)
Annual Fee: $95
APR: 0% for 12 months on purchases , then 14.49%-25.49% Variable
Why We Picked It: If you travel by car and do your own cooking, this card can earn a lot of cash back.
For Your Outdoor Needs: With 6% cash back at U.S. supermarkets and 3% cash back at U.S. gas stations, you’ll put money back in your pocket every time you gas up or stock up on s’mores supplies. There’s also a nice $250 welcome offer.
Drawbacks: There’s a $95 annual fee.

How to Choose a Card for Your Next Adventure

When you’re choosing a card for your outdoor adventures, try to identify the cards that best reward your spending habits.

If you spend thousands of dollars annually at one outdoor supplier, a store-branded credit card may provide a good return. But if you tend to spread your purchases around, you should look for a card that isn’t tied to one store.

Try to choose a card that will reward the way you like to travel. For example, if you like taking road trips to camping destinations, a card with strong cash back rates on gas and groceries might be the right fit. Also be sure to check the redemption options for all rewards, as they vary between cards.

What Credit Is Required for an Outdoor Credit Card?

Store-branded credit cards tend to have looser credit requirements, though this isn’t always the case - for instance, the Costco credit card requires excellent credit. General credit cards with cash back or travel rewards tend to require good to excellent credit. Before you apply, you should check your credit score to make sure you have a good chance of approval. You can check two of your credit scores for free at Credit.com.

Image: pixdeluxe

At publishing time, the Costco Anywhere Visa Card by Citi,Barclay Arrival Plus World Elite MasterCard and Blue Cash Preferred Card from American Express credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 5 Credit Cards for the Avid Nature-Lover appeared first on Credit.com.

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How Long Does a Tax Lien Stay on Your Credit Report?

woman-using-laptop-computer-1181251

It’s a trick question, because as of April 2018, tax liens were all removed from credit reports. The bureaus took this step to protect the integrity of those reports. According to the Consumer Financial Protection Bureau, many judgments and liens were being reported incorrectly. That caused errors to credit reports not affiliated with the various debts in question.

But that doesn’t mean you shouldn’t worry about a tax lien. First, the policy could change at any time and tax liens could show up on the report again. Second, tax liens can give the federal government the right to legally seize your assets in payment for your tax debt. Getting rid of the lien before that happens can save you a lot of stress and hassle.

What Is a Tax Lien?

A Notice of Federal Tax Lien is a tool the IRS uses to let creditors and others know that it has an interest in your property because of tax debt you still owe. Specifically, it puts the IRS in line to receive any payment associated with your assets if they are sold or liquidated. If you sell a home, for example, the IRS can take any profit if it has filed a Notice of Federal Tax Lien.

If you can’t pay your taxes, the IRS may file a lien. The IRS automatically files when the amount owed is $10,000 or more.

What Is the Fresh Start Initiative?

What many people don’t know is that in 2011 and 2012, the IRS implemented something called the Fresh Start initiative. This is a series of procedures and policy changes directed toward taxpayers facing collection from the IRS.

One of the changes includes a policy that allows certain taxpayers to request that their tax liens be withdrawn. They can do so even before the tax debt has been paid. Under this policy, a taxpayer can request the tax lien be withdrawn in certain circumstances.

Here’s how to take advantage of the Fresh Start initiative.

1. Determine If You Qualify

You can qualify to request your lien be withdrawn if:

  • Your tax liability has been satisfied because you’ve paid what you owe
  • You’ve been filing your individual and business returns for the past three years
  • You are current on your estimated tax payments and federal tax deposits

Even if you haven’t paid the IRS what you owe, you may be able to qualify for this program. You must owe$25,000 or less. You must also have entered into a direct debit installment agreement where your payments to the IRS are taken from your bank account automatically.

There are other requirements you’ll need to meet. You must have made at least three direct debit installment payments successfully. You must also not have defaulted on a previous installment agreement. The IRS has the full list of qualifications.

2. Apply to Have the Lien Withdrawn

If you believe you qualify, fill out IRS Form 12277, Application for Withdrawal. It’s a one-page form that comes with one page of instructions. Complete it and send it to the IRS per the instructions.

If the IRS approves your request, it says it “will file Form 10916(c), Withdrawal of Filed Notice of Federal Tax Lien, in the recording office where the original NFTL was filed.” It will also provide you a copy of the document for your records. This means you will have a written record that the lien has been withdrawn.

Will It Help My Credit Score?

Because tax liens are no longer reported on your credit history, getting one withdrawn won’t help your credit score directly. However, the fact that you resolved such a major debt and can move on with your financial life may impact your credit score. After all, you’re now free to worry less about those back taxes, so you might be able to make more timely payments on other debts.

In some cases, however, resolving a tax lien could bring your score down a bit. This could occur if you take out a new debt to pay off the taxes. Your credit score could temporarily drop because you’ve increased your debt utilization ratio. It might also have dropped because of the hard pulls on your credit history that occurred when you applied for the loans.

It’s a good idea to understand what’s going on with your credit score no matter what your tax situation is. You can check your credit score free using Credit.com’s Credit Report Card.

Some consumers have complained that getting negative items off their credit score didn’t really help. When that happens, it’s often because the information that was removed was very old or they haven’t been able to establish positive credit references to rebuild your credit score. Still, the fact that there are no liens reported can be helpful when applying for another loan such as a mortgage.

The post How Long Does a Tax Lien Stay on Your Credit Report? appeared first on Credit.com.

Source: credit.com

AmeriValue Review 2019 | Mortgage Options

When buying or refinancing a home, it’s essential to work with a lender that you can trust. In doing so, you stand to benefit from mortgage terms that are best suited to your financial needs.

With the help of an online mortgage aggregator like AmeriValue, you’ll be on your way to getting a great mortgage in no time.

How Does AmeriValue Work?

As an online mortgage aggregator, AmeriValue helps users to connect with different mortgage lenders so that they can find the best possible loan.

The process of finding a loan with AmeriValue can vary depending on the specific type of loan that you want. Overall, it’s a great way to compare different loan rates as you shop around for home loans.

By using AmeriValues’ simple online application form, you can quickly and easily start to get loan offers by email. This questionnaire-like form requires minimal information, and that makes it relatively hassle-free when compared to some loan applications. Once your application is complete, all that’s left is to sift through the loan options that you receive until you find one that’s right for you.

AmeriValue can connect users with as many as five different loan originators. It’s an excellent way to compare loan terms from competing lenders so that you can see what kind of options you have.

Learn More

AmeriValue Mortgage Options

AmeriValue works to connect its users with lenders who provide a variety of common loan types. These include conventional, FHA, and VA loans.

It’s important to note that the loan options available through AmeriValue are not extremely varied when compared to similar lending services. If you’re searching for a specific loan type that is not very common, this company may not be able to help you with finding a lender who offers it.

Listed below are some of the most popular mortgage options that AmeriValue can offer.

Conventional Loans

This loan type is becoming increasingly popular thanks to the fact that it offers low rates and flexible guidelines. The government does not back these loans in any way, and they are especially convenient for first-time borrowers.

If you have a satisfactory credit score and can make a down payment, you should qualify for a conventional loan.

Refinancing Loans

If you already have a mortgage, that doesn’t necessarily mean that you must continue paying it back according to your current payment plan and interest rate.

Refinancing is a great way to alter your existing mortgage so that you can reap benefits such as lower monthly payments and better interest rates.

FHA Loans

As the name suggests, FHA loans are given out by the Federal Housing Administration. These loans are ideal for low-income and moderate-income borrowers, and you can even get approved for a mortgage with a credit score as low as 500.

While having a low credit score will require a bigger down payment, it’s still an excellent option for somebody who would like to take out a mortgage even though their financial history is less than perfect.

VA Loans

If you are a veteran, active military member, or a surviving spouse of a veteran, VA loans offer unique borrowing terms that are a bit more advantageous than your standard mortgage.

For more detailed information on this type of loan, be sure to visit the U.S. Department of Veteran Affairs’ website.

AmeriValue Mortgage Qualifications

When asking what qualifications are necessary to find a loan through AmeriValue, it’s important to keep in mind that AmeriValue’s function is to connect lenders and potential homeowners. As such, it is a bit complicated, to sum up, the necessary qualifications for AmeriValue since the requirements differ based on the lender and loan type. Still, there is some basic information that you can use as a benchmark for determining your eligibility for a given kind of loan.

First off, the minimum credit score needed to qualify for an FHA loan is 580. The government regulates this credit score standard, so you won’t have any luck trying to get an FHA loan if your credit score is lower than that. Furthermore, many lenders ask for an even higher credit score of 620 for the most common loan types.

After you’ve decided on a lender and loan from the options that AmeriValue has sent to you, you should be prepared to supply some basic information and documentation. The required documentation usually includes vital personal information, such as your birthday, income, financial history, and other such details. You may also need to provide pay stubs and tax documentation from the past year or two to verify the status of your financial situation.

For exact details on mortgage qualifications or the loan application process, you’ll have to communicate directly with your potential lender. AmeriValue is a great way to get connected, but from there, you’ll have to undergo the application process according to the standards and regulations that your lender has set.

Pros and Cons

One huge advantage that AmeriValue boasts is that you can use it free of charge. From that point of view, it’s a great deal for anyone who’s looking to find the best loan for buying a new home or refinancing their current home. All you must do is quickly complete the online application, and AmeriValue will send you loan options based on the information that you provided.

AmeriValue helps connect potential homebuyers with some of the most commonly sought-after loan types. While this is great for most users, it may not be ideal for somebody looking for a particular kind of loan. Fortunately, the online form is very user-friendly, and it takes only a little time to complete.

AmeriValue is helpful, but only up to a certain point. Once you’ve completed the form and received a list of potential lenders and loans, everything else that follows is strictly between you and the lender. At this point, the job of AmeriValue.com is complete as they are neither a lender nor a mortgage brokerage. They serve only as a conduit to connect borrowers and lenders.

The post AmeriValue Review 2019 | Mortgage Options appeared first on Better Credit Blog | Credit Help For Bad Credit.

Source: bettercreditblog.org

North American Savings Bank Mortgage Review

Throughout the home-buying process, one of the most critical decisions is choosing a mortgage to finance your home.

There are a variety of different loans to choose from, and there is a vast number of lenders from which you can take out your mortgage.

Let’s take a closer look at North American Savings Bank and see what kind of experience you can expect to have when shopping for a mortgage there.

Overview of North American Savings Bank

nasb mortgage logoLocated in Missouri, North American Savings Bank is a national bank and mortgage lender that offers mortgages to a broad range of borrowers.

Specifically, it gears its services towards active U.S. military members and U.S. veterans.

Most of their mortgages are processed through the Department of Veterans Affairs, but they also offer several other typical home loans that you would expect to get from any bank.

You can begin your mortgage application process either online, via phone, or in-person at your nearest NASB branch. From there, a loan officer will contact you to start finalizing the terms of your mortgage.

NASB also considers non-traditional income sources, so applicants that have a low credit score are more likely to get approved when applying for a mortgage here.

Learn More

NASB Mortgage Options

Whether you plan on taking out an entirely new mortgage or you want to refinance your existing mortgage, North American Savings Bank has a few different financing options to meet the needs of its customers.

Here are a few of the most popular loans that they offer:

Conventional Loans

These are loans that are not backed by the government. They tend to have higher interest rates than their government-backed counterparts. Still, it may be possible that a conventional loan is the type of mortgage that is best suited to your needs.

Government-backed Loans

If you take out a loan from any government entity, then that’s known as a government-backed loan. One of the most common government loans is an FHA (Federal Housing Association) loan. NASB provides customers with a variety of government-backed loans.

Be aware that if you take out an FHA loan, the Federal Housing Administration is not the one that will provide the credit. The money is given to you by an individual FHA-approved institution like NASB, and the FHA merely serves to back the loan.

VA Loans

VA loans are one of the most popular loans that NASB offers, and they provide favorable borrowing terms for active members of the military, veterans, and widowed spouses of veterans.

To confirm your eligibility for a VA loan, visit the Department of Veteran Affairs website.

Mortgage Refinance

One of the easiest and simplest ways to improve your mortgage’s repayment terms is by refinancing.

While this option may not be for everybody, it allows many borrowers to enjoy lower monthly payments, a lower interest rate, and payment terms, which are overall more favorable than those of the original mortgage.

Cash-Out Refinance

A cash-out refinance loan differs from a standard mortgage refinance in one significant way: the balance on the new mortgage that you receive through this process is higher than the amount of your home payment. The logic here is that with the remaining money you have after making your home payment, you can fund other aspects of your life.

Many borrowers who opt for a cash-out refinance to use the money for home improvements. Be aware that with this type of refinancing, you’ll need to borrow the new mortgage against home’s equity.

NASB Mortgage Qualifications

NASB differs from other lenders in their loan qualification process. Rather than merely looking at your credit score, they also consider your financial history based on other indicators, such as your bill and rent payment history.

Though their standard minimum credit score is 620, there are specific loans they offer that will accept even lower scores. Their Good Neighbor Program, for example, only requires a credit score of 580. That way, moderate-income and low-income borrowers have a chance to get a mortgage at NASB.

Naturally, the qualification standards and assistance that NASB offers vary depending on the loan. For example, they don’t charge a fee to lock in your loan rate. NASB does, however, charge an origination fee of $995 on all its loans except for VA loans.

Overall, NASB offers mortgage qualification requirements that are forgiving when compared to other lenders. If you are a military borrower with low-to-moderate income, this would be a great lender to consider.

Pros and Cons of North American Savings Bank

Pros

One advantage that NASB customers agree on is that this bank is big on serving military families through VA loans. They make an effort to thank veterans and active military members by helping them to find the most favorable mortgage borrowing terms. While other banks and institutions also offer VA loans, NASB stands out in this regard.

In addition to honoring those who have served, NASB also takes non-traditional income sources into account when customers apply for a loan. Examples of this include your payment histories for rent, utilities, insurance, and mobile phone bills. Many lenders are quick to judge you based on your credit score alone, but NASB works to give its clients alternate routes to finding a great mortgage.

If that weren’t enough, NASB also helps low-income customers through their Good Neighbor Program. This initiative is designed to help people buy properties in Kansas City, Missouri, even if their credit score and financial history are less-than-perfect. The program works by requesting a minimum credit score of 580, waiving any lender fees that would typically be required, and helping borrowers along with paying for closing costs.

Cons

The only downside we see from NASB bank is that it doesn’t offer an online system for tracking your loan process. While this may be unnerving to some, some borrowers don’t care to use such systems.

In any case, NASB has a solid reputation, and you can always check in with your loan officer at any point during the loan process.

Is North American Savings Bank for You?

Due to their excellent reputation, flexible qualification standards, and a variety of mortgage offerings, you can’t go wrong with NASB.

The post North American Savings Bank Mortgage Review appeared first on Better Credit Blog | Credit Help For Bad Credit.

Source: bettercreditblog.org

Best Credit Cards for Holiday Shopping

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Is it ever too soon to start thinking about holiday shopping? By the time the first of December rolls around, it’s time to plan holiday decorating, party hosting and holiday presents. No matter what holiday you celebrate, it’s time to start collecting your loved ones’ holiday wish lists and begin budgeting for those gifts.

The holidays can be a bit hectic, but if you find yourself a little short on your gift budget, it can be downright stressful. You want to give your loved ones the presents they want, but you don’t want to break the bank. What’s a holiday planner to do?

That’s where rewards credit cards can come in handy. With great rewards, like cash back and introductory bonuses, you can earn money towards your holiday budget while spending your holiday budget. Now that’s multitasking.

The Line-Up

We’ve got some great credit cards that are up to tackling your holiday shopping. Depending on your creditworthiness, you can’t go wrong with choosing any of the following:

  • Chase Freedom Unlimited: With unlimited 1.5% cash back on all purchases and a $150 intro bonus after you spend $500 in your first three months from account opening, this card will help you earn a little extra cash during the holidays.
  • Target REDCard: Are you a big Target fan? Then you’ll love the Target REDCard, which offers 5% off on all eligible purchases from Target stores and Target.com, see card terms for eligibility details.
  • Petal Visa Credit Card: If you’re building your credit score, the Petal Visa Credit Card will still give you great rewards during your holiday shopping. It offers 1% cash back on purchases.
  • TD Cash Credit Card: This card pulls out all the stops—3% cash back on dining, 2% cash back at grocery stores and 1% cash back on all other eligible purchases, see card terms for eligibility details.
  • Credit One Bank Platinum Visa with Cash Back Rewards: Do you have bad credit? Not to worry—with the Credit One Bank Platinum Visa with Cash Back Rewards, you can still get cash back rewards. For those with poor to bad credit, this card offers 1% cash back rewards on eligible purchases—see card terms for eligibility details.

Chase Freedom Unlimited

Chase Freedom Unlimited®

Apply Now

on Chase’s secure website

Card Details
Intro Apr:
0% for 15 months on purchases


Ongoing Apr:
16.49% - 25.24% Variable


Balance Transfer:
Intro: 0% for 15 months


Annual Fee:
$0


Credit Needed:
Excellent-Good

Snapshot of Card Features
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49 - 25.24%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open

Card Details +

Right off the bat, you’ll earn a $150 bonus after you spend $500 on purchases within the first three months of your account opening. If you open and use the Chase Freedom Unlimited card before Christmas, that’s a cool $150 you can use towards more gifts. Or you could use it to buy yourself a little something for a Christmas shopping job well done.

The Chase Freedom Unlimited card offers other great rewards, like unlimited 1.5% cash back on all purchases. So when you buy holiday presents for the whole family, you’ll earn extra money. It also offers an intro APR of 0% for 15 months on purchases , followed by an ongoing APR of 16.49% - 25.24% Variable .

Target REDCard

Target REDcard™ Credit Card

Apply Now

on Target’s secure website

Card Details
Intro Apr:
N/A


Ongoing Apr:
24.90%


Balance Transfer:
N/A


Annual Fee:
$0


Credit Needed:
Good-Fair

Snapshot of Card Features
  • 5% off every day at Target & Target.com.*
  • Free 2 day shipping on hundreds of thousands of items at Target.com.*
  • Early Access to products and promotions*
  • Exclusive Extras including special items and offers*
  • Starbucks discount on in-store locations - get everyday 5% savings when you pay with your REDcard*
  • Cartwheel - save 5-50% on hundreds of items in store & get everyday 5% savings when you pay with your REDcard*
  • Target Subscriptions - save 5% on everyday essentials delivered on your schedule when you subscribe, plus get everyday 5% savings when you pay with your REDcard*
  • Get everyday 5% savings on specialty gift cards when you pay with your REDcard*
  • Target Wallet, easy and fast checkout. Use Wallet in the Target app to save with Cartwheel and pay with REDcard by scanning your phone at check out in store.
  • *Some restrictions apply. See Target.com/redcard for benefits and program rules

Card Details +

Target really does have it all, including a credit card that’s perfect for holiday shopping. Stock up on your twinkle lights, Hanukkah decorations and presents while getting 5% off with the Target REDCard. And if you need a quick caffeine boost in the middle of your holiday shopping, you can get 5% off at an in-store Starbucks too.

Find yourself buying a few holiday things last minute, but don’t want to brave the last-minute holiday crowds? Don’t worry—your 5% off applies to Target.com and you’ll get free two-day shipping. But keep in mind that this card has an ongoing APR of 24.90% , which can be a bit steep depending on your purchases.

Petal Visa Credit Card

Petal Visa Credit Card

Apply Now

on Petal’s secure website

Card Details
Intro Apr:
N/A


Ongoing Apr:
14.49% - 25.49%


Balance Transfer:
N/A


Annual Fee:
$0


Credit Needed:
Fair-No Credit

Snapshot of Card Features
  • Up to 1.5% cash back after making 12 on-time monthly payments.
  • 1% cash back on purchases right away
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology can help applicants without credit history get approved
  • $500 - $10,000 credit limits
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you’re pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required. Card issued by WebBank, Member FDIC.

Card Details +

Just because you have a nonexistent credit score doesn’t mean you have to miss out on a rewards credit card. The Petal Visa Credit Card has some killer cash back rewards that are perfect for holiday shopping. Petal offers 1% cash back on purchases right away. That’ll definitely come in handy during the holiday season.

And we can’t ignore Petal’s other features that could help your credit score. Petal reports to all three major credit bureaus. If you make your payments on time, that could help build your credit. That’s killing two birds with one stone—knocking out your holiday shopping and potentially improving your credit score.

TD Cash Credit Card

TD Cash Credit Card

Apply Now

on TD Bank’s secure website

Card Details
Intro Apr:
0% Introductory APR for the first 15 billing cycles after Account opening.


Ongoing Apr:
14.74%, 19.74% or 24.74%, based on your creditworthines


Balance Transfer:
N/A


Annual Fee:
$0


Credit Needed:
Excellent - Good

Snapshot of Card Features
  • Earn $150 Cash Back when you spend $500 within 90 days after account opening
  • Earn 3% Cash Back on dining
  • Earn 2% Cash Back at grocery stores
  • Earn 1% Cash Back on all other eligible purchases
  • $0 Annual Fee
  • $0 Foreign Transaction Fee
  • Visa Zero Liability
  • Instant credit card replacement
  • Digital Wallet
  • Contactless Payments

Card Details +

If you have a whole crowd of extended family coming to visit you for the holidays, the TD Cash Credit Card could be for you. First things first: you’ll earn $200 cash back when you spend $500 within 90 days of your account opening. And that’s just the beginning. You can earn 3% cash back on dining, perfect if your house is jam-packed with holiday guests and you don’t feel like whipping up a meal every night.

Planning on cooking a grand meal for Christmas day? Maybe you need to cook up some latkes for Hanukkah? You’ll love the 2% cash back at grocery stores. Plus you’ll receive 1% cash back on all other eligible purchases, making other holiday purchases a little more manageable. When applying for this card, keep in mind that it has an ongoing APR of 14.74%, 19.74% or 24.74%, based on your creditworthines .

Credit One Bank Platinum Visa with Cash Back Rewards

Credit One Bank® Platinum Visa® with Cash Back Rewards

Apply Now

on Credit One Bank’s secure website

Card Details
Intro Apr:
N/A


Ongoing Apr:
25.74% Variable


Balance Transfer:
N/A*


Annual Fee:
$39


Credit Needed:
Poor-Bad

Snapshot of Card Features
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month
  • Automatic reviews for credit line increase opportunities
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®

Card Details +

Don’t let poor or bad credit stop you from getting a killer rewards credit card. The Credit One Bank Platinum Visa with Cash Back Rewards offers great cash back deals for the holiday season. With this card, you can earn up to 1% cash back rewards on eligible purchases. You can grab some great gifts for the eight days of Hanukkah with that extra cash.

If you’re thinking about applying for this card for the holidays, there are a few things you should keep in mind. First, it’s got an ongoing APR of 25.74% Variable . So if you’re going to use this card for your holiday spending, try to keep any balances from carrying over to the next month, if possible. Plus, it’s got an annual fee of $39. If you can’t swing it, this might not be the right card for you.

Crush Your Holiday Shopping with the Right Rewards Card

When you’re armed with the right rewards credit card, you can tackle any holiday wish list your family and friends throw at you. But keep in mind that there isn’t one perfect rewards credit card. The right rewards credit card depends on your circumstances. So take a look at your finances, goals and Christmas to-do list, and choose the best credit card for your personal situation.


 

Editorial disclosure: Reviews are as determined solely by Credit.com staff. Opinions expressed here are solely those of the reviewers and aren’t reviewed or approved by any advertiser. Information presented is accurate as of the date of the review, including information on card rates, rewards and fees. Check the issuer’s website for the most current information on each card listed.

Some offers mentioned here may have expired and/or are no longer available on our site. You can view the current offers from our partners in our credit card marketplace. DISCLOSURE: Cards from our partners are mentioned here.

The post Best Credit Cards for Holiday Shopping appeared first on Credit.com.

Source: credit.com