Tag: Application Strategy

Earning rates on Citi cards are among the best available. With the right combo of cards, you can earn 5x in a category of your choice; 3x on dining, gas, and travel; and 2x on all other purchases. You'll pay just $95 in total to hold all three cards each year. Plus, all three cards are currently offering generous sign-up bonuses. Here's how to put together a winning Citi card trifecta to quickly build a substantial balance of ThankYou Points.

For the third month in a row, Amex has added "family" restrictions to a card, now targeting the Blue Cash Everyday® Card from American Express and Amex EveryDay® Credit Card. Here's what family language is and how this could impact you.

Amex has been on a tear, making numerous changes to limit who can earn the welcome bonus on its cards. The latest victim: the American Express® Gold Card

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.

Capital One has added new 48-month terms to the application terms for many of its credit cards. And while this might feel restrictive, the silver lining is that this provides clarity over the vague terms on previous applications. Let's look at the rule and how it applies to your credit card strategy going forward.

Chase recently launched the Ink Business Premier® Credit Card with a massive $1,000 cashback bonus. Cardholders get a minimum 2% return on purchases and the card comes loaded with Chase's signature travel and purchases protection benefits. But is the new Ink card the best option for your business? Catch our comparison of the Ink Business rewards cards to see which card will give you the best return.

Quietly and without fanfare, Citi recently dropped the 24-month restriction from the terms and conditions of its Citi Rewards+® Card. If you are looking to reopen this card, this may be a great time to apply since it is unclear how long the restriction will be lifted.

If you need some extra time to pay down credit-card balances after the holidays, we’ve got a strategy that gets you an introductory 0% APR without the fees and restrictions of using a balance transfer. Avoid hundreds of dollars in fees and earn tons of points towards your next travel adventure.

There isn't a lot of great news in the travel world these days but Chase has some for new cardholders. Following the lead of American Express, Chase is extending the deadline to meet the spending requirements for new cardholders approved earlier this year.

Your credit is one of your most valuable personal assets. Later this year we'll see some changes to the modeling used with VantageScore credit scoring. Remember, there are two major models: FICO and VantageScore, with FICO still being used primarily by most major lenders.