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The Best Credit Cards Around for Every Kind of Situation

The Best Credit Cards Around for Every Kind of Situation

Traveling can be an extremely exciting time in your life but you need to make sure that you have properly prepared for your trip so that unexpected issues don’t completely derail what might have been a great vacation.

Having a credit card specifically designed for travelers can save you a great deal of money on vacations. Of course you have to look into the payment options within your country but, in general, it is a great idea to carry one or more of theses credit cards with you when you travel.

Different cards offer different benefits. Some allow you to get great deals on flights; others are better suited to those who spend money on hotels and lodging, tourism, and traveling abroad. It is important that you conduct enough research and have a basic understanding of the different benefits that are offered by each card. Determine which benefits are going to be the most useful to you, and seek out cards that provide those benefits. Some of the better credit cards that are available to travelers include;

Chase Ink Plus – Traveling Abroad

Chase Ink Plus is an excellent card for would-be travelers. Its impressive list of rewards make it an ideal choice for individuals who travel abroad.

The card offers a wide range of perks, including an initial bonus of 50,000 Chase Ultimate Reward Points, which are worth 25% more when you redeem them for travel booked through Chase. This means that the initial bonus provided by the card could be worth as much as $625.

The card also provides a good amount of flexibility in terms of payments, along with no foreign transaction fees. To determine whether or not this card would suit your needs, consider its complete list of benefits.

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British Airways Visa Signature – Flights

The British Airways Visa Signature card is another excellent choice. The card is aimed toward travelers, offering no foreign transactions fees anywhere in the world.

The card offers a 50,000 bonus once the cardholder has made $2,000 worth of purchases within their first three months with the card. The introductory annual fee is waived for the first year, and is just $95 per year after that.

Cardholders receive 2.5 Avios for every dollar spent on British Airways, and 1.25 Avios for all other purchases made with the card. Additionally, cardholders can earn a Travel Together Ticket, good for two years during any year that more than $30,000 in purchases are made.

To find out more about the benefits of this card, read our review.

Southwest Airlines Rapid Rewards Premiere – Flights and Hotels

The Southwest Airlines Rapid Rewards Premiere Credit Card is the perfect card for travelers who are interested in earning benefits as quickly as possible.

Every dollar spent on the Rapids Reward Vista earns 1.67% back as credit for purchases with Southwest Airlines. This means that even the basic day-to-day use of the card can earn plane tickets.

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For a limited amount of time, the company is offering 50,000 points towards two round-trip flights when cardholders spend at least $2,000 within the first three months of opening an account. Additionally, each and every year cardholders receive 6,000 points. Find out more about these deals here.

Barclaycard Arrival World Mastercard – Traveling Abroad

The Barclaycard Arrival World MasterCard is one of the premiere options for those who spend a great deal of time traveling.

Cardholders can earn as many as 40,000 bonus miles when they spend $3,000 or more during the first ninety days of holding an account. This alone could save them as much as $400 off their next trip.

This card earns 2X miles on all purchases, with no mileage caps or foreign transaction fees, which makes this the ideal card for traveling abroad.

Users are also able to redeem their miles for statement credits, which can then be applied to a wide range of services including flights, rentals, lodging, and even cruises.

The Barclaycard Arrival World MasterCard is an excellent choice for those that do a lot of traveling. It offers a high reward rate, though it does require an annual fee be paid – $89 -, but that amount is waived for the first year. Learn more about this option on Impossible Travel.

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Starwood American Express – Hotels

The Starwood American Express card is certainly an excellent choice for travelers.

Cardholders can use this card towards not only purchases from Starwood but also flights from a number of airline partnerships including American Airlines, British Airways, and Virgin Atlantic, among others.

The Starwood American Express is particularly suitable for those with luxurious lifestyles who make large purchases. The base rate of rewards for the card provides one Starpoint for every dollar spent. That may not seem like much compared to others cards, but the overall value of each point sits at about 2.3 cents, which can save you a great deal of money in the long run.

Cardholders are provided with 10,000 bonus points after their first purchase, and an additional 15,000 if they are able to spend $5,000 during the first six months that they hold card membership. Cardholders also earn up to five Starpoints for every dollar spent at SPG hotels.

The Starwood American Express has quickly become a very popular card for travelers due to its wide range of different hotel-related bonuses. Find out more here.

Ink Bold Business Charge Card – Interest

The Ink Bold Business Charge card is an excellent business charge card.

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This card comes with excellent sign up bonuses, no foreign transaction fees, and a $95 annual fee. Cardholders earn over 50,000 bonus points if they spend over $5,000 in their first three months.

The card is excellent for interest, providing no interest charges when the balance is paid off in full each month. The Ink Bold Business Charge Card is therefore an excellent choice for those looking to severely limit their interest payments.

Finding the right card can be a difficult task. There are many different cards with a wide range of benefits, many of which are suitable for those who do a good amount of traveling. It is important that you examine the benefits of any card before making a final decision, so that you can ensure that you receive the benefits that you have been looking for.

Photo credit: Kaiyan

 

Featured photo credit: Kaiyan via flickr.com

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Published on July 4, 2018

Top 10 Recommendations on Money Management Apps

Top 10 Recommendations on Money Management Apps

Don’t want to overspend your budget, swipe your credit card too many times, and feel like a financial mess? Instead of beating yourself up for the bad financial decisions you’ve ever made, create a new plan!

The solution is simple, save more and spend less. But, we all know it’s easier said than done.

One problem is finding quality apps that save you time and money, and aren’t just hype.

Luckily, there’re many great money management apps available at your fingertips. Here are 10 reliable money management apps that can help you save money, and crush debt.

1. Personal Capital

    When was the last time you’ve tracked your net worth? Probably months ago or maybe never. Personal Capital allows you to easily track your net worth and plan for retirement.

    Here are some of its main features:

    • Sync many investment accounts, and expenses (mortgage, credit cards, etc.) in one place
    • Discover hidden fees and how much they’re affecting your retirement plan
    • Wealth management for investors requiring a long-term strategy

    With Personal you’re free to track your expenses and net worth.

    Available for: iOS and Android

    2. Mint

      If your smartphone could only install a few apps, Mint would be one of them. Why? Because Mint tracks all your balances and bills in one place.

      Here are some of its main features:

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      • Effortlessly track all your bills and balances in one dashboard
      • Categorized expenses to understand where you spend your money
      • Uncover hidden fees, and determine your investment style with sophisticated retirement tools.

      Feel at ease with managing your money by a reputable company that isn’t going anywhere.

      Available for: iOS and Android

      3. YNAB

        Everyone needs a budget, there’s no way around it. YNAB (You Need A Budget) is an easy to use app that will change the way you think about money. Their motto is to “give every dollar a job”, and you’ll quickly discover why.

        Here are some of its main features:

        • Easily sync all bank accounts in one place
        • Visually see your debt paying progress with eye-catching charts and notifications
        • Customized categories setting saving goals

        The best part about YNAB is the community that comes along with it. You can hop on the YNAB forum to receive support, listen to the YNAB Podcast or stay tuned for their weekly videos.

        Available for: iOS and Android

        4. Wealthfront

          Albert Einstein once said “compound interest is the eight wonder in the world”, and for a very good reason. The problem is, most people are scared or unwilling to learn the basics of investing. This is why Wealthfront is the perfect solution for the hands-off investors.

          Here are some of its main features:

          • Variety of investment account options including IRA, Roth IRA, and more
          • Your portfolio composed of 7 different asset classes
          • Automatically rebalanced portfolio
          • Daily tax loss harvesting

          Wealthfront is perfect for people requiring investment guidance, or prefer a hands-off solution.

          Available for: iOS and Android

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          5. Clarity Money

            If you’re staying on top of your budget but want to take your finances to the next level, Clarity Money can help you. Clarity Money helps you stay under budget and build a personalized savings plan.

            Here are some of its main features:

            • Easily cancel subscriptions with one click
            • Synchronize bank accounts fast
            • Transfer money effortlessly between different accounts

            Clarity Money isn’t an app that does it all. But, it does make transferring money and canceling subscriptions fast and efficient.

            Available for: iOS and Android

            6. Acorns

              What if there was a way to quickly gain confidence in investing your money, without too much risk? There is, and Acorns is your solution. With Acorns’s technology, you’re able to make investments as small as $5.

              Here are some of its main features:

              • Automatic contribution option
              • Customized portfolio tailored to your needs
              • Low management fees ranging from $1-$2 per month

              Stop wasting dollars on expensive coffee. Instead, invest them towards a brighter financial future.

              Available for: iOS and Android

              7. Albert

                Do you budget by only subtracting your expenses from your income? If so, how would you discover any overpayments or extra money you could save? This is where Albert shines, and it does it all free.

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                Here are some of its main features:

                • Receive notifications for overpayments, hidden fees, and low balances
                • An Automatic budget that’s built around your spending and income
                • Easily track debt and set new financial goals

                While Albert does offer a paid option, most of its core features are FREE. So, what better option to save?

                Available for: iOS

                8. Prism

                  Have you recently forgot to pay a bill because life got in the way? Prism automatically tracks your bills and syncs your bank accounts in one place.

                  Here are some of its main features:

                  • View all your account balances in one glance
                  • Bill due dates are automatically pulled and tracked
                  • Receive early reminders for upcoming bills

                  If your budget is on “fleek” but can’t seem to stay on top of your bills, Prism is your go-to app.

                  Available for: iOS, Android, Windows, Amazon

                  9. Mvelopes

                    Remember hearing about people using envelopes to budget their money? Well, Mvelopes is the new envelope system for this generation. Easily create monthly budgets and track your saving goals.

                    Here are some of its main features:

                    • Connect unlimited bank accounts
                    • Real-time budgeting with auto transaction syncing
                    • Low monthly $4 fee or $40 annual

                    Mvelopes can help you crush debt, save more, and help you stop overspending. With its low monthly fee, it’s worth a try.

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                    Available for: iOS and Android

                    10. Wallaby

                      Most people don’t have time to track their credit card’s changing rewards and interest rates. Because of this, you need help reaping the most of your credit card’s rewards. Wallaby is the app that will help you do just that.

                      Here are some of its main features:

                      • Automatic recommendations for the best credit card to use for each transaction
                      • A friendly user interface, displaying credit cards with their corresponding images
                      • Free to use

                      If you’re using the same credit card to make your purchases, you may be leaving money on the table. Give Wallaby a try if you’re ready to maximize your credit card’s rewards.

                      Available for: iOS and Android

                      Take control of your finances and experience financial freedom

                      Picture yourself staying on budget and saving more money than you’d ever imagined.

                      It took hard work and dedication but you’d finally learned how to manage your money. You have to start taking control of your spending and saving habits.

                      You now have a list of reliable apps that can help you build better money habits, what are you waiting for?

                      Featured photo credit: Pexels via pexels.com

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