Transferable points are probably the most valuable points to earn with a credit card. They give more flexibility when you redeem them for travel: unlike airline or hotel points, which can only be used with a specific airline or hotel, transferable points can be transferred to multiple airline or hotel loyalty programs. Plus, points transfer is given in addition to other standard redemption options, including booking travel directly through the issuer without transferring points to loyalty programs.

The best credit cards for young adults are those that reward you most for how you spend your money. If you like to travel, choose a card that offers airline miles or hotel points and provides benefits like upgrades, waived fees, and other perks. For foodies, find a credit card that will earn extra rewards or cash back when you go out to eat.

Additionally, you want to avoid paying big fees for benefits that you aren’t going to use. Some high-end credit cards offer amazing perks, but if you’re not in a position to use them, you’re just wasting your money. A credit card with no annual fee or one that is less than $100 per year is perfect for most people.

To increase your credit score, you want to focus on what you can change the quickest. Credit utilization is the second largest factor in your credit score. And it is the one you have the most control over on a monthly basis. Simply put, the lower your balances versus the amount of credit you have, the better your score will be. We’re going to discuss everything you need to know to increase your credit score by controlling your credit utilization rate.

With the merger of the Marriott and SPG hotel portfolios, there is a new opportunity to earn hotel rewards. Existing American Express SPG and Marriott Rewards credit cards will remain open for current cardholders. The rewards program is changing and so are the credit card benefits, but there are also new credit cards being issued. The American Express SPG Luxury Card is rumored to launch on August 23, 2018, with some really enticing benefits. Read on to learn about the changes to your favorite cards.

Your credit score is the key to so many important decisions in your life. Landing a job. Renting an apartment or buying a home. Getting insurance. And, for those of us who love to travel, being approved for the premium credit cards we love so much. But, what happens if your credit score needs some help? Here are the best ways that I know to improve your credit health and your credit score.

Price Protection is a benefit that you may not know about, but you are missing out on some serious savings if you aren’t using it. When used to their fullest, price protection benefits could rival the credit card rewards that you earn. Many of the major card issuers, including Capital One, and Citi, offer this coverage. These are our top picks for cards with Price Protection.

It’s easy to do. We’ve all gotten into trouble before. A few charges on a few credit cards can end up being a massive balance that feels hopeless. Other than making payments for what feels like forever, there are a few ways to stop the financial bleeding and get on top of your debt.

Known for its travel rewards with no blackout dates and the top celebrities who endorse their credit cards Capital One offers a wide variety of excellent cards. It doesn’t matter if you’re a new-to-credit beginner, a travel hacker, a big spender, a business owner or even someone with less-than-perfect credit, they have a card designed for you.

Ever wonder where our bevy of payment cards come from? Be it a credit, debit or prepaid issuance—inside and out—there’s a lot of tailor-made work that goes into each and every card in our wallets. CPI Card Group is a chief payment technologies company that specializes in these solutions for card issuers in the financial, trade, healthcare and transit sectors. They are industry leaders whose products and services signify quality and are distributed with the utmost speed, accuracy and excellence.

Buckle is a popular fashion store in the United States with more than 450 locations. If you shop there a lot, or even if you popped in just once or twice, it is likely you’ve been offered to apply for the Buckle credit card.

New card members who sign up for the Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® and spend $2,500 in the first three months of account opening can earn a welcome bonus of 50,000 AAdvantage miles. The standard welcome offer on this card ranges from 30,000 to 60,000 AAdvantage miles.

Wayfair.com is an online furniture store based out of Boston, Massachusetts, that offers a variety of options for furnishing both your home and office. It’s a popular online retailer known for its frequent and generous sales. Wayfair also offers a consumer credit card which includes promotions, benefits, rewards and access to special financing offers. If you’re wondering whether the Wayfair credit card from Comenity Bank is right for you, our review of the card’s features might help make your decision a little easier.

When that special occasion rolls around, like a wedding or an engagement, and you need an exceptional gift, like a diamond ring or new earrings, you can’t go wrong with Zales Jewelers. And if you’ve ever been to the store, you probably know that they have their own store credit card.

Credit history is everything. Buying a new car? You need good credit for that. Applying for a mortgage? You betcha! Even renting an apartment or shopping for a cell phone plan requires a credit pull these days.

Overstock.com is a billion dollar, tech-driven online retailer offering bargains galore. Shopping on their site is a lot of fun because you can buy anything, even a room full of furniture, and get free shipping as long as your order is $45 or more.

New travel credit cards loaded with benefits and lucrative rewards are being introduced by banks at a rapid pace. Lucky for us, these include the cards that are best for airline miles. That’s because more and more credit cards are offering flexible, transferable points that can be converted to miles with a variety of airlines instead of just one carrier.

If you have a good credit score and zero debt, you might want to consider playing my favorite game. It can be played alone or in two-player mode, and it involves strategy and earning points. The game I’m talking about is the credit card rewards game, and it’s never too late to learn the rules. To get ahead, all you need is a credit card… or maybe five. Simply choose your weapon and start killing it.

You’ve probably been shopping at Walmart for years, but maybe you’ve just realized that they have their own credit card. You may be wondering if you should apply for the Walmart credit card. We’ll tell you how to apply and everything else there is to know about the Walmart Mastercard.

Many credit card promotions change monthly. The welcome bonus you see today might not be the same tomorrow. I recommend striking while the iron is hot. But how do you know when to apply?

Well, it’s a good thing you have experts like us to alert you to the best promos and offers. Let’s take a look at this month’s best credit card deals.

For the first time in history, the average national credit score reached 700 last year according to FICO. On the upper end of FICO’s 300 to 850 credit score range, consumers with a score of 700 are rated as ‘very good’ credit risks. However, according to Experian, which looked at VantageScore credit score data, 21 percent of U.S. consumers had deep-subprime scores below 600. Poor and subprime credit ratings cost the consumers who carry them thousands of dollars in higher interest rates on loans and revolving credit, as well as higher premiums on auto and other insurance products.