Personal Loans Vs Credit Cards: When To Use A Loan Instead Of Plastic

What's the difference between personal loans and credit cards -- when should you use each?

Often, a personal loan can be a more affordable way to finance a large purchase than a credit card. But there are always exceptions.

Pros and Cons of Using 0% APR Credit Cards for Purchases

0 percent APR credit cards can help you pay for big purchases over time if you're careful. Photo: Flickr/401(K) 2012.

A 0 percent APR credit card can help you buy big stuff — a new appliance, furniture, or the trip of a lifetime — without paying a cent of interest. What’s the catch? Learn to decide how and when to use these offers and when to stay far, far away.

American Airlines AAdvantage® MasterCard Review

Citi® Platinum Select® / AAdvantage® World MasterCard®

I get a lot of emails asking me about the pros and cons of individual credit cards, so my goal is to add to the perspectives we offer on some of the more popular credit cards out there. Most of my recommended credit cards are safe picks for everybody. In other words, their rewards programs […]

Using a Credit Card Overseas: 15 Things to Know

Using your credit card overseas takes some careful planning before you travel.

While using a credit card while traveling is often smart, there are still things to be aware of. Tourists are often a target for thieves so be sure to carry your wallet in a way that will deter theft. Also, be aware of any changes in laws, such as a fee to use a credit card at the check out. Carrying some back up cash is also smart, just in case.

♥ & $: When It Comes To Credit Card Debt, Millennials Have It Figured Out

$13,740. That’s a lot of money. A fiscally smart person could use it buy a car, pay rent for a year, or feed a family of four for even longer. But when I was in my twenties, I wasn’t fiscally smart. My husband was in graduate school, and I was supporting us. My salary was […]

Best Cash Back Credit Cards


If you’re one of us few and proud who religiously pay your credit card balance off in full each month, you get to benefit from cash credit card rewards — the percentage of your purchases that your card will pay you back as points, miles, or even pennies. (Congrats, I guess.) The joke, of course, […]

New to Credit? Five Ways to Speed up Building a Good Credit Score


Anyone whose tried to get a loan with a weak credit history knows that even an excellent credit score will only get you so far with lenders. That myth your uncle told you about signing up for a credit card, using it once, paying it off and letting your credit history soar is just that […]

Best Miles Rewards Credit Cards

The best air miles rewards credit cards avoid blackout dates and provide other perks like preferred boarding or free checked bags.

Compare the best miles rewards credit cards to get the most free travel rewards for your spending. See the latest sign-up bonuses and redemption policies.

When to Get a Credit Card, When to Use It & When to Cut It Up

Adopt Me! When's it time to bring home a credit card?

Love them or hate them, credit cards are a fact of financial life. They can make tracking spending effortless. Just as easily, they can blur the line between how much money you have and how much you can spend—plunging you into debt. And even avoiding credit cards altogether is not without risk; you may need credit […]

How Much Are Credit Card Miles Worth?

value of 25k miles

Should you choose a cash back credit card or miles credit card? Learn more about how much credit card miles are actually worth and which you should choose.