Ryan Smith Latest Posts

Your credit score is important, and the best way to protect it is regularly checking your credit report. While many services will happily charge you for this ability, there's no need to pay. In positive news, a once-temporary benefit to get your credit report each week is now permanent.

The Credit Card Competition Act purports to reduce fees on credit card purchases, saying businesses will save money and then reduce prices — leading to savings for consumers. History tells us this isn't true. So what is this legislation, how does it relate to credit card rewards, why should you care? These are the latest developments.

If you're looking for a windfall of Marriott Bonvoy points, you're in luck. You're also in luck if you want high-value free night awards. That's because we're seeing elevated welcome offers on three of Marriott's co-branded cards, including a never-seen-before offer on Marriott's premium credit card.

Credit card issuers are noticing consumer trends, and several credit cards have added cell phone protection lately. This is good news, as replacing or repairing a cell phone can be costly. Here are the cards offering this benefit and the details of what is (and what isn't) covered.

Lightning truly does strike twice. Chase's best-ever sign-up bonus on the Ink Business Cash® Credit Card and Ink Business Unlimited® Credit Card is back. New applicants for these no-annual-fee cards can earn a limited-time bonus of $900 cash back (delivered as 90K Ultimate Rewards points!) and take advantage of top-tier earning rates and perks.

A handy trick lets Virgin Atlantic Flying Club members to search for awards using the calendar search, despite Virgin removing this option from its website a while back. Here's how to unlock month-by-month award searching on Virgin's website.

Citi just announced elevated earnings on the Citi® Double Cash Card. Now through December 31, 2023, cardholders will earn 5% cash back on most travel bookings. That's an extra 3% cash back on top of the card's standard earning rate.

It hasn't been a quiet week for Delta, and there's another change sure to make people unhappy: the introduction of a "family" rule on American Express' Delta co-branded credit cards. American Express and Delta offer numerous credit cards, and we've had numerous questions over the years from people wondering whether it's possible to earn the welcome bonus on all of these cards. Until today, the answer was an easy "yes." Now, it's muddier.

One of the key features of the Capital One Venture X is its $300 annual travel credit. Used wisely, this can offset much of the card's annual fee. In this guide, we'll look at what the perk is, how to use it, and answer some questions you may have about this perk as you decide whether or not this card is right for you.

Citi Dividend cardholders can activate their Q4 2023 quarterly bonus categories and earn 5% cash back, up to $300 cash back annually. From October to December 2023, you'll earn 5% cash back when using your card at grocery stores. In the meantime, you can still earn 5% back at gas stations and home improvement stores through the end of this month. Here's how to register and all of the details of how the Citi Dividend works.