5 Ways Credit Card Rewards Can Cost You Money

The Top 10 Best Rewards Credit Cards

There are a ton of credit card perks that make owning the right credit card a very smart financial move. Here are the five perks we love the most!

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MasterCards on Sale at Safeway | 365 Magical Days of Travel

Make some money and earn some rewards on MasterCards at Safeway this week. Get $10 off two 50s and $15 off two 100s for a profit of $3.20, plus either 5x or 6%!

7 Smart Ways to Save Money at the Gas Pump

5 Easy Ways to Cut the Rising Cost of GasGas prices are now at their highest level in years. Here are five simple ways to save money every time you fill up.

5 Ways to Travel Hack Without Trashing Your Credit

5 ways to travel hack without trashing your credit. Following these tips will snag you free travel while not lowering your credit score! #travelhack #cheaptravel #travelhacker

How To Quickly Pay Off Credit Card Debt

Learn how these credit card hacks will get you out of credit card debt fast and help you to maximise the rewards of your credit card, while minimising the cost! #creditcard #debtpayoff #creditcardtips

Can A Credit Card Actually Help You Save? Most people dont know theres a really simple way to free up more money for savings and it doesnt require making huge lifestyle sacrifices. The trick is to stop throwing money away on interest payments. Credit card companies are offering really favorable terms on balance transfers right now. Take the Discover it 18 Month Balance Transfer Offer. It gives you an 18-month 0% intro APR period one of the longest out there. If you have decent credit nows the best time to put it to work for savings. Bring your credit card interest costs down to zero when you transfer a balance to a new 0% intro APR offer. From there each payment you make goes directly toward paying down your debt and not monthly interest. To pay off a $10000 balance that would mean savings of $1000 in interest in just a year and a half. Thats a nice chunk of cash you can put toward savings instead. The secret to saving more money is mostly just being smarter about how you spend your money. Cutting out interest payments is one of the easiest (and most painless!) ways to do this. To get you started saving heres a simple head-to-head comparison of two of the best balance transfer cards available today. Discover it 18 Month Balance Transfer Offer The Discover it 18 Month Balance Transfer Offer has the longest 0% intro APR of our top-ranked balance transfer cards. This card also delivers big on cash back rewards for all of the new purchases you make with the card. Earn 5% cash back on quarterly rotating categories plus 1% cashback on everything else year-round. But thats not all. Discover also doubles the cash back you earn during your first year as a cardholder. That means if you earn $200 in cashback youll get another $200 on top of that thats $400 total cash back in one year. The more cash back you earn in your first year the bigger your year-end cash back bonus. Pros: You get an extra-long 0% Intro APR that lasts 18 months plus earn 5% cash back on new purchases in rotating categories. Con: You must pay a balance transfer fee of 3% of your transfer amount or $5 whichever is greater. Discover it - 18 Month Balance Transfer Offer Apply Now Intro Balance Transfer APR 0% for 18 months Balance Transfer Fee 3% Regular APR 11.74% 23.74% Variable Highlights Card Highlights Provided by Discover: You could turn $200 into $400 with Cashback Match. Get a dollar-for-dollar match of all the cash back youve earned at the end of your first year automatically. Earn 5% cash back in rotating categories each quarter like gas stations Amazon.com restaurants wholesale clubs and more up to the quarterly maximum each time you activate. Plus 1% cash back on all other purchases. Redeem your cash back for any amount any time. Cash rewards never expire. 100% U.S. based customer service. Get your FICO Credit Score for free on monthly statements on mobile and online. No annual fee. Click "APPLY NOW" to see rates rewards FICO Credit Score terms Cashback Match details & other information. More info Expand details Chase Slate Want to avoid the fees associated with a balance transfer? Go with the Chase Slate. With this card you can cut out interest payments and transfer your balance for FREE (as long as you do it within the first 60 days of opening the card). The Chase Slate also has an extended 0% intro APR of 15 months which means no interest payments until Fall 2018. Pros: Pay no balance transfer fee (if made within 60 days of account opening) plus get 0% Intro APR for 15 months. Con: You cant transfer a balance from another Chase card. Additionally this card doesnt include access to a rewards program. If you already have a rewards credit card we recommend making new purchases on that card and using the Chase Slate solely as a debt-elimination tool! Chase Slate Apply Now Intro Balance Transfer APR 0% for 15 months Balance Transfer Fee Either $5 or 5% of the amount of each transfer whichever is greater. Regular APR 15.74% - 24.49% Variable Highlights $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening 0% Introductory APR for 15 months on purchases and balance transfers Monthly FICO Score and Credit Dashboard for free No Penalty APR Paying late won't raise your interest rate (APR). All other account pricing and terms apply $0 Annual Fee More info Expand details One thing to keep in mind is that most card issuers wont allow you to transfer a balance from one of their cards to another (from Chase Freedom to Chase Slate for example). Thats why it pays to know what the best offers are. Youll maximize your balance transfer savings this way and figure out which card will actually work best for your personal situation. The Discover it 18 Month Balance Transfer Offer has the best deal with its extra-long 0% intro APR period and the Chase Slate lets you transfer your balances for free during the first 60 daysa huge benefit for savings. You can also check out our full list of the Best Balance Transfer Credit Cards for 2017 to compare other great offers and find the one that fits your needs best. The post Can A Credit Card Actually Help You Save? appeared first on The Simple Dollar. via umbrellacompany.u...

Three Times Travel Deals Are Actually More Expensive

Three Times Travel Deals Are Actually More Expensive The internet is a treasure trove if youre looking for travel deals that can help you save on your next trip. Want to travel for free? Numerous websites including this one can help you navigate the confusing world of credit card rewards.Want travel packages that include airfare hotel and a rental car? Try Expedia Priceline or Travelocity. Need a cheap hotel tonight? Theres an app for just that purpose. Unfortunately discount travel deals arent always what theyre cracked up to be. Like most industries the travel industry has a dark side one where some discount travel dealsare nothing more than smartly packaged vacations at full price. And if you dont pay attention you may end up bookinga travel experience thats not much of a deal after all. Related: My Seven Favorite Ways to Save Money On Travel WhenDiscount Travel Isnt a Deal at All If youre aching for a trip and need to save money its only natural to look for deals and discounts. At the same time you have to do some legwork to make sure any deal youre considering will legitimately save you cash. Here are three times travel discounts arent quite as advantageous as they appear: #1:Bait-and-Switch Pricing I search for and book various components of travel all the time and if Ive noticed anything its how tricky some travel websites can be. Discount travel websites like Expediaset their sites up to deceive consumers quite a bit. Many times the price you see isnt what you get and you actually wind up paying more by the end. This problem is so widespread it only took me a single search to come up with an example. In this specific search I looked for a hotel-only package in Playa del Carmen Mexico for Dec. 29to Jan. 5. I included two adults and two children ages 6 and 8 in the search and heres what I found: The cheapest all-inclusive resort I can book for these dates is Riu Naiboa. The total price should be $266 per night for two adults and two kids right? Click through to the hotel itself and youll see the same prices shown. You can see below how we searched for two adults and two kids illustrated quite clearly: Unfortunately what you see isnt what you get and its not even close. When you click through to the payment page youll see the price displayed is around $1000 more than you probably expect. Out of nowhere they show an extra guest fee of $132 per night. So instead of the $266 per night you were shown when you searched youre hit with a bill that asks foralmost $400 per night. Expedia and other traveler discounts do this all the time. They pull you in with a fair price then tack on feesas you move through the process. The worst part is none of these additional charges are listed until you get ready to pay. #2: Groupon Getaways Gone Awry Groupon Getaways is a travel coupon site that offers discounts on hotels and vacation (airfare and hotel) packages. Just like regular Groupons you buy a deal with the agreement youll remain in compliance with the websites terms and conditions. Unfortunately far too many Groupon Getaways are nothing more than false advertising. Take this 11-day vacation in Paris Budapest and Prague for example. They promise 11 days with airfare hotels and train tickets included and all for $1199 from select cities! But will you really pay $1199? It actually depends. If you click on the available dates and departure airports youll see that there are only three options for $1199 and the rest are up to $1699 per person. Then there are the deals that are just plain bad. Take this 5-night all-inclusive vacation with airfare near Playa del Carmen Mexico. They promise roundtrip flights and an all-inclusive hotel stay for $899 per person. But when you dig deeper something funny happens as in the numbers stop adding up. With a quick search on Expedia youll find the hotel itself is only $209 per night for double occupancy in September. That brings the total for lodging to $1043 for five nights. Airfare is only offered via the Groupon from select cities which in this case is Fort Lauderdale Fla. For these dates (Sept. 3-8) roundtrip flights from FLL are only $239 each via Expedia. That brings our grand total to what $478 for flights? If you add that to the $1043 youd pay for the hotel if you booked separately youre spending a total of $1521 for two people to take thisvacation. If you booked through Groupon Getaways on the other hand the same trip costs $1798 for two people. However its actually worse than that because Groupon Getaways only offers specific dates and flights for this trip. So not only are you paying more but youre tied down to their timeframe. When you book the two components of your trip separately on the other hand you can select any dates of your choosing. That flexibility wont necessarily help you save more money but it can help make trip planning a lot easier. #3: Hidden Travel Fees Discount airlines are in the business of making travel cheaper for consumers willing to jump through hoops. Most of their marketing strategies involve driving down the base price of airfare for their bottom-dollar clients. Unfortunately almost nothing is included with discount airlines. And if you dont pay attention and factor in the added fees they charge you could actually pay more to fly on a bare-bones discount carrier. Heres a good example from Allegiant Air. I searched for flights to Orlando from my hometown of Indianapolis and heres what I found: I could fly roundtrip for just $183.50. Thats pretty crazy when you think about it! Amazing even if only it were true. Unfortunately choosing a seat would set me back $27 in one direction and $20 in the other. One carry-on bag and one checked bag would cost me another $76 if I prepaid (and more if I paid at the airport). Those additional costs bring the real total of the flight up to $306.50. Thats not bad at all but its not the best you could do either. For example a Southwest Airlines flight for similar dates can cost as little as $198 and they let you check two bags and bring a carry-on for free. Heck you can search for the same flight on Expedia and find American Airlines fares for the same dates for as little as $186. You will have to pay $25 to check a bag but choosing a seat and bringing a carry-on is free. Buyer beware: Discount airlines arent always what theyre cracked up to be and sometimes theyre actually the most expensive. The Bottom Line If you want to save on travel you need to do more than search for travel deals and check out discount sites. You need to dig into each offers details compare and ask questions and do some basic math yourself. A lot of times the deals advertised the most wont actually save you money at all. So read the fine print price out individual trip components and go with your gut. If a travel deal seems sketchy or too good to be true it probably is. Holly Johnson is an award-winning personal finance writer and the author ofZero Down Your Debt. Johnson shares her obsession with frugality budgeting and travel atClubThrifty.com. Related Stories: Why Ill Never Feel Bad About My Vacation Spending My Seven Favorite Ways to Save Money on Travel Best Travel Insurance for 2017 The Disney Hangover: Are Brand Name Vacations Worth the Price? Have you ever bought into a travel deal that wasnt what you thought? What other shady travel deals would you add to this list? The post Three Times Travel Deals Are Actually More Expensive appeared first on The Simple Dollar. via umbrellacompany.u...

365 Ways to Reward Yourself (without Food or Money)

365 ideas in this self care list! And ALL cost $5 or less! These are everyday ways you can pamper and reward yourself at home for anything, really. Self care at home ideas I can't wait to try. Everyday self care list. #selfcare #pamper #athomeideas

5 Ways to Save Money for Vacation.

Travelling can be costly. Especially if you have kids! Here are 5 easy things you can do now to save money for your next trip! #worktravelrepeat #familytravel #travelwithkids #

Chase Ultimate Rewards is considered among the best (especially if you have the Chase Sapphire Reserve – Readers' Choice Award winner for Best Rewards Credit Card 2018 – or Chase Sapphire Preferred card). They can be redeemed in many ways, and at even greater value; e.g. Category 1 hotels, which cost 5,000 points per night are a steal when you transfer 5,000 Chase points to Hyatt's program. You can also redeem extra points if you want to reserve an upgraded room for a few thousand points more.

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Everyday Self Care List ($5 or less)

365 ideas in this everyday self care list (self care things to do at home)! And ALL cost $5 or less! These are everyday ways you can pamper and reward yourself at home for anything, really. Self care at home ideas I can't wait to try. Everyday self care list. #selfcare #pamper #athomeideas

Money Tips for Small Business ⋆ Beverly Hills Magazine

Being a small business owner is incredibly difficult in this day and age. Particularly if you’re new, and trying to build something from the ground up.

5 Ways Credit Card Rewards Can Cost You Money

Do you like to make use of your credit card rewards to get free travel or products? Not everyone can or should pursue rewards, for several reasons. In some cases, trying to earn rewards can even wreck your finances, damage your credit score, or both! Check out our tips and advice before you start pursuing those miles. | #creditcards #financetips

5 Ways to Protect Yourself from Credit Card Skimmers

With gas prices projected to climb higher during the busy summer travel season, many drivers are focused on finding the right credit card to maximize the money you’re spending at the pump. Earning …


Hi! I’m Jenny, the creator of The Jenny Pincher. Thanks for stopping by my page! I am a former banker turned IT consultant by way of my personal finance blog..and let me explain what that means. Back in 2007-2009, I was laid off a total of 3 times in 2 years. I was beside myself …

Six Credit Card Rewards Strategies for Family Vacations

Six Credit Card Rewards Strategies for Family Vacations

5 Ways Credit Card Rewards Can Cost You Money

5 Ways Credit Card Rewards Can Cost You Money

The Best Robo-Advisors in Canada

What is a robo-advisor? And can you trust a computer with your money? The good news is that robo-advisors offer a cost-efficient and easy way to start investing. Read on, and I'll answer all your questions about Canadian robo-advisors and also list the best 5 robo-advisors in Canada.

5 Easy Tips to Grow Your Credit Score

Did you know that a low credit score can cost you over $100,000 over your lifetime? In this article, you'll learn 5 ways to increase it #creditcards#creditscore#fico#travel#points#rwards#mortgage

How I Grew My Credit Score

Did you know that a low credit score can cost you over a $100,000 just from additional interest on your mortgage?At some point in life, you may want to borrow money to buy a car, refinance a mortgage or apply for credit of some type. Check this article for 5 ways you can grow your credit.

Using Credit Responsibly

"Using Credit Responsibly" - Having credit extended to you is not only a powerful spending tool, but it's become a necessity in today's world. But it's easy to misuse credit and simple mistakes can end up costing you a lot in the future. Maintaining a good credit rating is not difficult, but there are certain things you must always do to maintain good credit and, ultimately, save a lot of money. #credit

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