4 Credit Cards for Military Members Awaiting Deployment

While you wait for deployment, find a credit card that'll give you maximum rewards.

[DISCLOSURE: Cards from our partners are mentioned below.]

There are many credit cards offered to military members and civilians alike that have great rewards programs, interest rates and features. But if you’re a service member who needs a credit card leading up to deployment, don’t jump at the first card that looks decent.

Many cards have features offered only to military members, and others go above and beyond the requirements for interest rates and fees set by the Servicemembers’ Civil Relief Act.

Here are four credit cards for military members awaiting deployment.

1. PenFed Power Cash Rewards Visa Signature Card

Rewards: 2% cash back on all purchases for PenFed HonorsAdvantage Members, 1.5% cash back on all purchases for everyone else
Signup Bonus: None
Annual Fee: $0
Annual Percentage Rate (APR): Variable 9.74% to 17.99% on purchases; 0% for 12 months on balance transfers, then variable 9.74% to 17.99
Why We Picked It: Military members get double cash back on all purchases.
For Military Members: Current and former military members qualify to become PenFed HonorsAdvantage Members, and will get 2% cash back on all purchases. There’s no annual fee and no foreign transaction fee. Plus, balance transfers get 12 months interest-free.
Drawbacks: You must be a PenFed member to access this card.

2. Navy Federal GO REWARDS Credit Card

Rewards: Three points per dollar spent at restaurants, two points per dollar spent on gas and one point per dollar spent on everything else
Signup Bonus: None
Annual Fee: $0
APR: Variable 9.99% to 18%
Why We Picked It: Everyday purchases earn points with a variety of redemption options.
For Military Members: All purchases earn reward points, with special rates on dining and gas purchases. Points can be redeemed for travel, gift cards, merchandise and more. There are no foreign transaction fees.
Drawbacks: Points expire after four years. You must be a Navy Federal member to access this card.

3. USAA Cashback Rewards Plus American Express

Rewards: 5% cash back on up to $3,000 in annual gas station and military base purchases, 2% cash back on up to $3,000 in annual supermarket purchases and 1% cash back on everything else
Signup Bonus: None
Annual Fee: $0
APR: Variable 12.9% to 26.9%
Why We Picked It: Cardholders earn great cash back rates on gas and on-base purchases.
For Military Members: This card earns a fantastic 5% cash back rate at gas stations and military bases, 2% cash back at supermarkets and 1% cash back everywhere else. There are no foreign transaction fees. During deployment, USAA will cap the interest rate on qualified accounts at 4%.
Drawbacks: You must be a USAA member to get this card. There is no signup bonus.

4. Citi Double Cash

Rewards: 1% cash back on all purchases and an additional 1% upon payment
Signup Bonus: None
Annual Fee: $0
APR: 0% for 15 months, then variable 14.49% to 24.49%
Why We Picked It: This card has a strong 0% intro APR offer and earns double cash back on all purchases upon payment. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
For Military Members: All your purchases earn 1% at the time of purchase and an additional 1% when you pay. You also get 15 months interest-free, which is a long time to pay off purchases and balance transfers.
Drawbacks: You’ll have to wait until you pay to earn the full cash back. There is a foreign transaction fee.

How to Choose a Card for Military Members

The Servicemembers’ Civil Relief Act caps interest rates for all established credit obligations at 6% during your time of active duty.

But some credit cards go beyond the minimum federal requirements and will set interest rates below 6% and waive fees while you’re deployed. Many of these policies are difficult to find online, so you should call the issuer of any card you’re considering to check their active duty policies.

Beyond that, you should choose a card that best meets your needs at home or abroad. While military credit cards are designed specifically for service members, you shouldn’t discount civilian cards, as they may have strong offers and military-friendly policies as well.

Cards with strong rewards programs, low interest offers and other perks all have their own benefits and drawbacks. Be sure to consider your spending habits and how a credit card can meet your specific needs.

What Credit is Required for a Card for Active Duty?

Credit cards for military members have highly variable credit requirements, ranging from poor to excellent credit. But if you’re looking for a card with strong rewards or low interest rates, you’ll likely need good to excellent credit to qualify. Be sure to check your credit score before applying, as you’ll want to be reasonably confident in your chances of approval. You can check two of your credit scores for free at Credit.com.

Image: vgajic

At publishing time, the PenFed Power Cash Rewards Signature Visa, Citi Double Cash and USAA Cashback Rewards Plus American Express credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 4 Credit Cards for Military Members Awaiting Deployment appeared first on Credit.com.

5 Credit Cards to Help You Throw Parties

Parties are even more fun when your credit card's earning you solid deals.

[DISCLOSURE: Cards from our partners are mentioned below.]

Enthusiastic hosts love to throw parties for friends and family. Whether you like to put on lavish dinner parties with elaborate menus or make chili nachos for your friends on game day, you might be spending a lot at the supermarket. Some credit cards offer cash back rewards on grocery purchases, helping you host epic get-togethers.

Here are five credit cards to help you throw your next great party.

1. Costco Anywhere Visa Card by Citi

Rewards: 4% cash back on up to $7,000 in eligible gas purchases per year, 3% cash back on restaurant and eligible travel purchases, 2% cash back on Costco and Costco.com purchases and 1% cash back on everything else
Signup Bonus: None
Annual Fee: $0 (you will need a paid Costco membership)
Annual Percentage Rate (APR): 0% for seven months on purchases, then variable 16.24%; variable 16.24% on balance transfers
Why We Picked It: Costco members earn double cash back as they stock up on party supplies. For Your Party: For Costco members, this card earns 2% cash back on all Costco purchases, which can help you feed a small army. Some Costco locations even sell their own generic brands of beer, wine and liquor. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
Drawbacks: You’ll have to be a Costco member to access this card.

2. Blue Cash Preferred Card from American Express

Rewards: 6% cash back on up to $6,000 in annual supermarket purchases, 3% cash back at gas stations and select department stores and 1% cash back everywhere else
Signup Bonus: $150 statement credit when you spend $1,000 in the first three months
Annual Fee: $0 intro annual fee for the first year of Card Membership, then a $95 annual fee.
APR: Variable 13.99% to 24.99%
Why We Picked It: This card offers one of the best supermarket cash back rates available.
For Your Party: You’ll earn a whopping 6% cash back at supermarkets, which should prove extremely valuable for frequent party hosts.
Drawbacks: There is a $95 annual fee.

3. Premier Dining Rewards From Capital One

Rewards: 3% cash back on dining purchases, 2% cash back on groceries and 1% cash back on everything else
Signup Bonus: $100 bonus cash back when you spend $500 in the first three months
Annual Fee: $0
APR: Variable 15.49% – 24.49%
Why We Picked It: The card offers solid cash back rates on dining and groceries.
For Your Party: With 3% cash back on dining and 2% cash back on groceries, you’re covered whether you’re meeting a big group for dinner or hosting friends at home.
Drawbacks: If you don’t dine out a lot, you should keep looking.

4. BankAmericard Cash Rewards 

Rewards: 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs on up to $2,500 in combined quarterly purchases, 1% cash back on everything else
Signup Bonus: $150 bonus cash back when you spend $500 in the first 90 days
Annual Fee: $0
APR: 0% for 12 months, then variable 13.99% to 23.99%
Why We Picked It: You’ll earn double cash back on all grocery and wholesale club purchases.
For Your Party: With 2% cash back on all grocery store and wholesale club purchases, you’ll earn double cash on party supplies. Plus, Bank of America customers get an extra 10% cash back when they redeem their cash for a bank account deposit.
Drawbacks: The best cash back redemption value is reserved for Bank of America customers.

5. Citi Double Cash 

Rewards: 1% cash back on all purchases and an additional 1% upon payment
Signup Bonus: None
Annual Fee: $0
APR: 0% for 15 months, then variable 14.49% to 24.49%
Why We Picked It: All purchases earn double cash back once you’ve paid them off.
For Your Party: There are no special incentives for groceries, but all purchases will earn 2% cash back by the time they’re paid off. That means you can earn double cash back on decorations, booze, groceries and everything else.
Drawbacks: There are no special cash back rates for groceries.

How to Choose a Credit Card for Party Expenses

If your primary purpose for a credit card is funding your parties, your choice is easy. You’ll want to choose a card that offers the strongest rewards wherever you get party supplies.

But if you also want a card for everyday spending, you may want to pick a cash back card that offers good rates at the other merchants you frequent. If your spending is truly scattershot, a card with a great flat cash back rate on all purchases might be the right choice.

Don’t forget to consider interest rates and fees. If you tend to carry a balance on your card, the ensuing interest will eat into your cash back earnings. Fees can have the same effect.

What Credit Is Required for a Card That Funds Parties?

Cards with great cash back rates generally require good to excellent credit. You should check your credit before you apply, as a hard inquiry resulting from a credit card application may slightly ding your credit score. You can check two of your credit scores free at Credit.com.

Image: svetikd

At publishing time, the Costco Anywhere Visa Card by Citi, Blue Cash Preferred Card from American Express, Premier Dining Rewards From Capital One. Citi Double Cash and Bank Americard Cash Rewards credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 5 Credit Cards to Help You Throw Parties appeared first on Credit.com.

These Credit Cards Can Help You Save for Holiday Gifts

Holiday gifts can be expensive,let these credit cards help you get the best possible deals.

[DISCLOSURE: Cards from our partners are mentioned below.]

Discussions of the winter holidays in July may cause you to react with groans or eye-rolls. But if you find yourself struggling to afford gifts for your loved ones every year when the holidays roll around, you could benefit from starting a holiday savings plan early.

Cash back credit cards put money back in your pocket so you can save for the holiday season. Here are five credit cards that may be able to help you afford this year’s holiday gifts.

1. Blue Cash Everyday Card from American Express

Rewards: 3% cash back on up to $6,000 in annual spending at supermarkets, 2% cash back at gas stations and certain department stores and 1% cash back everywhere else
Signup Bonus: $100 bonus cash back when you spend $1,000 in the first three months (offer may vary)
Annual Fee: None
Annual Percentage Rate (APR): 0% for 12 months, then variable 13.99% to 24.99%
Why We Picked It: Everyday purchases can earn you cash back, and there’s a nice little signup bonus to boot.
For the Holiday Season: Commonplace purchases such as groceries and gas earn special cash back rates, with everything else earning 1% cash back. Plus, you’ll get a bonus cash back just in time for the holidays.
Drawbacks: If you don’t spend much at supermarkets, gas stations or participating department stores, this card won’t hold as much value.

2. Amazon Rewards Visa Signature Card

Rewards: 3% back at Amazon.com (5% if you also have Amazon Prime), 2% back at restaurants, gas stations and drugstores, 1% back on everything else
Signup Bonus: $50 Amazon gift card (upon approval)
Annual Fee: None
APR: Variable 15.24% to 23.24%
Why We Picked It: This card earns extra rewards when you shop at Amazon.com and more, and rewards can be redeemed for future gifts.
For the Holiday Season: The card earns a percentage back on all purchases, with special rewards rates at Amazon.com, restaurants, gas stations and drug stores. Your rewards come in the form of points, which can be redeemed for future Amazon.com purchases and gift cards. You’ll also get a bonus $50 Amazon gift card right out of the gate that you can use to order those gifts.
Drawbacks: If you don’t do much shopping at Amazon.com, or don’t plan on doing so, this card probably isn’t ideal for you.

3. Chase Freedom

Rewards: 5% cash back on up to $1,500 in purchases per quarter for rotating spending categories, unlimited1% cash back on everything else
Signup Bonus: $150 bonus cash back when you spend $500 in the first three months
Annual Fee: None
APR: 0% APR for 15 months, then variable 15.99% to 24.74%
Why We Picked It: Spending categories that earn 5% cash back and a signup bonus can help you save fast.
For the Holiday Season: You’ll earn 5% cash back on spending categories that rotate each quarter; past categories include gas stations and grocery stores. You can also earn a $150 signup bonus for spending $500 in three months, which is a fairly low spending threshold.
Drawbacks: You have to do the work of tracking and activating bonus spending categories with this card.

4. Citi Double Cash

Rewards: 1% cash back on all purchases and an additional 1% on payments
Signup Bonus: None
Annual Fee: None
APR: 0% for 15 months, then variable 14.49% to 24.49%
Why We Picked It: By the time you pay off your purchases, you’ll have earned a flat 2% cash back on everything you buy. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
For the Holiday Season: All purchases earn 2% cash back by the time they’re paid off, so you’ll be earning a great cash back rate on everything on this card.
Drawbacks: You won’t get your full cash back until you pay your balance.

5. QuicksilverOne From Capital One

Rewards: 1.5% cash back on all purchases
Signup Bonus: None
Annual Fee: $39
APR: Variable 24.99%
Why We Picked It: Consumers with average credit can still get in on cash back savings.
For the Holiday Season: All purchases earn 1.5% cash back, which can help you save up a decent holiday fund.
Drawbacks: There’s an annual fee and an above-average APR with this card.

Choosing a Credit Card to Save for the Holiday Season

Shoppers can use cash back rewards to start saving for holiday gifts. When choosing a card to help you save, you’ll want to pick one that rewards the types of purchases you make. If you mostly spend at a few specific types of merchants, you may want a card that offers special cash back rates at those merchant types. However, if you tend to spend at a wide variety of merchants, you may want a card with rotating purchase categories or a solid flat cash back rate on everything.

Cash back rewards can usually be redeemed for statement credits, but some cards also offer redemption options for gift cards, bank account transfers and merchandise. Make sure to pick a card with redemption options that will most benefit your holiday savings plan.

Remember, a cash back card earns the most value when you pay your balance in full each month.

What Credit Is Required for a Card That Helps Save for Gifts?

Cards with cash back rewards usually require good to excellent credit (although there’s at least one card on this list available to consumers with average credit). Before you apply, you’ll want to check your credit score to be reasonably confident in your chances of approval. You can check two of your credit scores free on Credit.com.

Image: andresr

At publishing time, the Blue Cash Everyday Card from American Express, Chase Freedom, Citi Double Cash, and QuicksilverOne From Capital One credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post These Credit Cards Can Help You Save for Holiday Gifts appeared first on Credit.com.

4 Credit Cards That Can Help You Save for a Car

Saving for a car can be much easier when you've got credit cards with major rewards and perks.

[DISCLOSURE: Cards from our partners are mentioned below.]

The more you save up for a down payment on your next car, the better off you’ll be financially when you drive off the lot. A bigger down payment can reduce the amount you need to borrow,  increase the range of cars you can afford and even lower your monthly payments. But saving up for a car can be difficult when you’ve got many other expenses.

Cash back credit cards can help you save by earning money back on your purchases, putting cash back in your pocket.

These four credit cards can earn you cash back and that you can use to help you pay for your next ride.

1. Discover it Card

Rewards: 5% cash back on up to $1,500 in purchases per quarter for rotating bonus categories, 1% cash back on everything else
Signup Bonus: Discover will match the cash back you earn in the first year.
Annual Fee: $0
Annual Percentage Rate (APR): 0% for six months on purchases and 18 months on balance transfers, then variable 11.99% to 23.99%
Why We Picked It: Long-term planners can use Discover’s cash back match for down payment assistance.
For Your New Car: This card earns 5% cash back on bonus categories, such as restaurants and home improvement stores, that rotate every quarter. All other purchases earn 1% cash back. Plus, Discover will match all the cash back you earn in the first year. If you have a year or more to save up for your new ride, that bonus can help you make a final push to boost your down payment.
Drawbacks: To get the most out of this card, you’ll have to do the work of tracking and activating spending categories each quarter.

2. Chase Freedom

Rewards: 5% cash back on up to $1,500 in purchases per quarter for rotating bonus categories, 1% cash back on everything else
Signup Bonus: $150 bonus cash back when you spend $500 in the first three months
Annual Fee: $0
APR: 0% for 15 months, then variable 15.74% to 24.49%
Why We Picked It: The 5% cash back bonus categories and signup bonus can help you quickly save.
For Your New Car: With 5% cash back on quarterly rotating bonus categories like gas stations and grocery stores, you’ll have plenty of ways to save. There’s also a $150 bonus when you spend $500 in three months, which shouldn’t be too difficult.
Drawbacks: Like Discover it, this card requires a bit more maintenance.

3. Blue Cash Preferred by American Express

Rewards: 6% cash back on up to $6,000 in yearly spending at supermarkets, 3% cash back at gas stations and select department stores and 1% cash back on everything else
Signup Bonus: $150 bonus cash back when you spend $1,000 in the first three months
Annual Fee: $95
APR: 0% for 12 months, then variable 13.99% to 24.99%
Why We Picked It: Multiple ways to earn special cash back rates means you’ll have many ways to save for your car.
For Your New Car: With 6% cash back at supermarkets, 3% cash back at gas stations and certain department stores and 1% cash back elsewhere, there’s no shortage of opportunities for saving. Plus, $150 bonus cash can go right toward that down payment.
Drawbacks: There’s a $95 annual fee, which slightly reduces the potential profitability of your card.

4. Citi Double Cash

Rewards: 1% cash back on all purchases and an additional 1% upon payment
Signup Bonus: None
Annual Fee: $0
APR: 0% for 18 months, then variable 14.49% to 24.49%
Why We Picked It: If you religiously pay off your balance each month, you’ll consistently earn 2% cash back on all purchases. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
For Your New Car: With all purchases earning 2% cash back by the time you pay, you can earn a solid cash back rate no matter what you’re buying.
Drawbacks: You’ll have to wait until you pay to earn the full cash back rate.

Choosing a Credit Card to Help Save for a Car

Cash back is the primary way credit cards can help you save for a car. When picking a credit card to help you afford your next ride, you’ll want to choose a card that rewards the way you spend. You can try to find a card that offers special cash back rates on the purchase types you make most frequently. Or, if you tend to spread your purchases around at many types of merchants, a card with quarterly rotating purchase categories or a flat cash back rate on all purchases might be a good fit.

Be sure to check the cash back redemption options on any card you’re evaluating. Some cards will let you redeem your cash back as a deposit to your bank account, while others may only provide a credit to your credit card statement. The latter method can still help you save for a down payment as you’ll have a smaller credit card bill, but it’s something you should keep in mind.

It’s also important to remember that a cash back card works best when you pay off your balance in full each month, especially once any 0% APR period expires. That’s because interest charges will eat into the cash back you’ve earned.

What Credit Is Required for a Card That Helps You Afford a Car?

Cards with strong cash back offers and signup bonuses usually require good to excellent credit. Before you apply, you’ll want to be reasonably sure you can get approved, as a hard credit inquiry resulting from a credit card application can slightly hurt your credit score. You can check two of your credit scores completely free at Credit.com.

At publishing time, the Discover it, Chase Freedom, Blue Cash Preferred by American Express, and Citi Double Cash credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that prices for products and services frequently change. As a result, rates, fees and terms cited in this article may have changed since the date of publication. Please be sure to verify current rates, fees and terms with the company directly.

Image: BraunS

The post 4 Credit Cards That Can Help You Save for a Car appeared first on Credit.com.

6 Credit Cards for New Homeowners

Like a new home, a credit card is a big commitment that can seriously pay off.

[DISCLOSURE: Cards from our partners are mentioned below.]

Buying a home is one of life’s biggest financial events and someone with a new mortgage may primarily be focused on how they’ll afford their new mortgage payment. But it takes more than a mortgage to make a home, with additional expenses such as furniture, remodeling projects and other needs adding to the overall cost.

You may be wondering how you’ll afford all these costs on top of a mortgage payment. Credit cards with low intro APR offers and cash back rewards can help.

Here are six credit cards worth considering if you’re a new homeowner (or will be soon).

1. Citi Simplicity

Rewards: None
Signup Bonus: None
Annual Fee: $0
Balance Transfer Fee: $5 or 3% of the transfer amount, whichever is greater
Annual Percentage Rate (APR): 0% for 21 months, then variable 14.49% to 24.49%
Why We Picked It: This card offers an extremely long intro 0% APR(Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
For Your New Home: With 0% APR for 21 months on purchases and balance transfers, you’ll have nearly two years to make purchases or pay off a balance interest-free. That’s a long time to furnish your home or pay off a remodeling project.
Drawbacks: There are no rewards.

2. Blue Cash Preferred by American Express

Rewards: 6% cash back on up to $6,000 in yearly spending at supermarkets, 3% cash back at gas stations and select department stores and 1% cash back on everything else
Signup Bonus: $250 bonus cash when you spend $1,000 in the first three months
Annual Fee: $95
Balance Transfer Fee: $5 or 3% of the transfer amount, whichever is greater
Annual Percentage Rate (APR): 0% for 12 months, then variable 13.99% to 24.99%
Why We Picked It: New homeowners have many ways to earn great cash back rates on purchases.
For Your New Home: The card earns 6% cash back at supermarkets, 3% cash back at gas stations and select department stores and 1% cash back everywhere else. That means you can earn big cash back rewards as you stock your fridge, pick up accessories and appliances at department stores and fill up your gas tank for all those shopping trips. Plus, you get 12 months of interest-free purchases and balance transfers.
Drawbacks: There’s a $95 annual fee.

3. Wells Fargo Cash Wise Visa Card

Rewards: 1.5% cash back on all purchases
Signup Bonus: $200 bonus cash back when you spend $1,000 in the first three months
Annual Fee: $0
Balance Transfer Fee: $5 or 3% of the transfer amount, whichever is greater
Annual Percentage Rate (APR): 0% for 12 months, then variable 13.99% to 25.99%
Why We Picked It: Wells Fargo borrowers can put their cash back directly toward their mortgage.
For Your New Home: You’ll earn a solid 1.5% cash back on all purchases. Plus, if your mortgage lender is Wells Fargo, you can redeem your cash back as a credit to your mortgage principal. You’ll also get 12 months of interest-free purchases and balance transfers.
Drawbacks: Some competitors offer stronger cash back rates.

4. Chase Freedom Unlimited

Rewards: 1.5% cash back on all purchases
Signup Bonus: $150 bonus cash back when you spend $500 in the first three months, a $25 bonus when you add an authorized user and make a purchase within the first three months
Annual Fee: $0
Balance Transfer Fee: $5 or 5% of the transfer amount, whichever is greater
Annual Percentage Rate (APR): 0% for 15 months, then variable 15.74% to 24.49%
Why We Picked It: A solid cash back rate and a long intro 0% APR period make this card a contender.
For Your New Home: You’ll earn 1.5% cash back on every purchase you make. Plus, you’ll get 15 months of interest-free purchases and balance transfers.
Drawbacks: There are higher cash back rates out there.

5. Citi Double Cash

Rewards: Unlimited 1% cash back on purchases and an additional 1% upon payment
Signup Bonus: None
Annual Fee: $0
Balance Transfer Fee: $5 or 3% of the transfer amount, whichever is greater
Annual Percentage Rate (APR): 0% for 15 months, then variable 14.49% to 24.49%
Why We Picked It: You’ll earn a great cash back rate on all purchases with a strong incentive to pay them off quickly.
For Your New Home: With 1% cash back on all purchases and an additional 1% upon payment, you’ll be motivated to pay off your home expenses. Plus, you’ll have 15 months of interest-free purchases and balance transfers.
Drawbacks: You won’t earn your full cash back until you pay your bills.

6. Home Depot Consumer Credit Card

Rewards: None
Signup Bonus: None
Annual Fee: None
Balance Transfer Fee: N/A
Annual Percentage Rate (APR): 0% intro APR for qualifying purchase types, then variable 21.99% to 26.99%
Why We Picked It: This card can help fund your DIY remodel and repair projects.
For Your New Home: Home Depot purchases of $299 and up get six months with no interest. Home Depot also offers 0% financing promotions for up to 24 months on many different purchase types, including appliances, windows and roofing. Cardholders also get access to special discounts and a year of hassle-free returns.
Drawbacks: If you don’t shop at Home Depot, this card isn’t right for you.

Choosing a Card for Your New Home Expenses

There are two primary ways credit cards can help with home expenses: cash back and 0% intro APR offers. New homeowners should look closely at these policies when evaluating a credit card.

If your priority is cash back, you’ll want to choose a card that rewards the way you’ll be spending on your new home. For instance, if you’ll be entertaining a lot, you may want a credit card that offers special cash back rates on groceries. If you’ll be ordering a lot of gadgets and appliances online, you’ll want a card for online purchases. If you tend to spread your purchases around, you may want a card with a good, flat cash back rate on all purchase types.

Intro 0% APR periods are helpful because you can avoid interest for a predetermined amount of time. If you have a lot of upcoming purchases, you won’t have to worry about paying interest for a while. If your new home expenses have already contributed to a high credit card balance, you can get some relief by transferring that balance to a card with a 0% intro APR offer. When choosing a card, look for one that gives you enough time to pay off your balance transfer or make most of your initial home purchases interest-free.

What Credit is Required to Get a Card for New Home Expenses?

Cards with cash back and strong balance transfer offers usually require good to excellent credit. To increase your chances of approval, you should know your credit score before you apply. You can check two of your credit scores for free at Credit.com.

At publishing time, the Citi Simplicity, Blue Cash Preferred by American Express, Wells Fargo Cash Wise Visa, Chase Freedom Unlimited and Citi Double Cash credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that prices for products and services frequently change. As a result, rates, fees and terms cited in this article may have changed since the date of publication. Please be sure to verify current rates, fees and terms with the company directly.

Image: courtneyk

The post 6 Credit Cards for New Homeowners appeared first on Credit.com.

4 Credit Cards to Help Prepare for Your New Baby

There are several cards that can help you afford the various expenses that go along with parenthood.

[Disclosure: Cards from our partners are mentioned below.]

Expecting parents have a lot to do in a short time frame. They’ve got to prepare their home for a new arrival, coordinate doctor’s visits, put together a birth plan and more.

If you’re expecting a child, you may want to add choosing a new credit card to your to-do list. Your current credit card may be not be enough to reward the types of purchases you’ll be making for the foreseeable future. There are several cards that can help you afford the various expenses that go along with parenthood.

Here are four cards for expecting parents.

1. Citi Double Cash

Rewards: 1% cash back on purchases and an additional 1% back upon payment
Signup Bonus: None
Annual Fee: None
Annual Percentage Rate (APR): Variable 14.24% to 24.24% for purchases, 0% intro APR for 18 months on balance transfers, then variable 14.24% to 24.24%
Why We Picked It: Parents get extra motivation to pay off their baby-related purchases. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
Benefits: All purchases earn 1% cash back and another 1% upon payment, for a total of 2% cash back on everything.
Drawbacks: You’ll have to wait until you pay to earn your full cash back.

2. Blue Cash Preferred Card From American Express

Rewards: 6% cash back at on up to $6,000 in yearly spending supermarkets, 3% cash back at gas stations and select department stores and 1% cash back on everything else
Signup Bonus: $150 bonus cash back when you spend $1,000 in the first three months
Annual Fee: $95
APR: 0% intro APR for 12 months, then variable 13.99% to 24.99%
Why We Picked It: New parents may be spending a lot at supermarkets, department stores and gas stations. This card provides cash-back incentives for all three.
Benefits: You’ll earn 6% cash back at supermarkets, 3% cash back at gas stations and certain department stores and 1% cash back everywhere else. Plus, there’s a nice $150 signup bonus and a 12-month 0% intro APR period.
Drawbacks: The card has a $95 annual fee.

3. BankAmericard Cash Rewards Credit Card

Rewards: 3% cash back on gas, 2% cash back at grocery stores and wholesale clubs and 1% back on everything else
Signup Bonus: $150 bonus cash back when you spend $500 in the first 90 days
Annual Fee: None
APR: 0% intro APR for 12 months, then variable 13.74% to 23.74%
Why We Picked It: If you plan to chauffeur your kid to and from daycare, and in a few years, team practices and sleepovers, this card can save on gas.
Benefits: With 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs, you’ll get plenty of ways to put some money back in your wallet. Bank of America customers get an additional 10% redemption value when they deposit their cash back into a Bank of America account.
Drawbacks: You’ll have to be a Bank of America account holder to unlock this card’s full value.

4. Citi Simplicity

Rewards: None
Signup Bonus: None
Annual Fee: None
APR: 0% intro APR for 21 months, then variable 14.49% to 24.49%
Why We Picked It: If your current card’s interest is too high, you can use this card for 21 months of interest-free purchases and balance transfers.
Benefits: The 21-month intro 0% APR offer gives you a chance to pay down purchases and balance transfers. Whether you’re buying diapers or setting up your nursery, this card can help you avoid interest.
Drawbacks: Once the 21-month intro period expires, the card’s value tanks.

Choosing a Credit Card for Your Growing Family

Choosing a card for family expenses is a personal decision, and depends on your parental spending habits.

Cash-back card rates vary, so you’ll want to look at the cards that best reward the way you spend. If you’ll be spending at many different types of stores, a card with a flat cash-back rate on all purchases might be the best move. If your purchases will be concentrated at a few merchant types, you may want to find a card that best rewards those purchases.

However, a card with a strong balance transfer offer might be the best option if you’ve put a lot of upfront expenses on a high-interest card.

In short, the best credit card for your family will depend on your specific needs and goals.

What Is Required to Get a Credit Card for Family Expenses?

Cards with cash back rewards or strong 0% APR offers often require good to excellent credit. You should know your credit score before you apply, because a hard credit inquiry can lower your credit score a few points. You can check two of your credit scores for free at Credit.com.

Image: monkeybusinessimages

At publishing time, the Citi Double Cash, Blue Cash Preferred Card From American Express and Citi Simplicity credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 4 Credit Cards to Help Prepare for Your New Baby appeared first on Credit.com.

4 Credit Cards That Reward You for Putting Dinner on the Table

Cash-back credit cards can help earn money back when you spend at the grocery store.

[Disclosure: Cards from our partners are mentioned below.]

Whether you’re feeding a family of five or trying to craft the perfect Bolognese sauce, it can be easy to drop serious cash at the grocery store. (Although every meal doesn’t have to be pricey. Just take a look at this satisfying 16-cent breakfast.) But putting that expense on your credit card may actually help you save on this necessary expense.

Cash back credit cards can help by earning back money as you spend at the grocery store and put meals on the table. If this is something you’re interested in, you’ll want to consider your options before signing up for a new card so you can find the one that’s right for you. To help you get started, here are four options worth considering.

1. Blue Cash Preferred Card From American Express

Cash Back Rewards: 6% cash back at U.S. supermarkets (on up to $6,000 per year, then it drops to 1%), 3% cash back at U.S. gas stations and certain department stores, 1% cash back on everything else
Signup Bonus: $150 when you spend $1,000 in the first three months
Annual Fee: $95
Annual Percentage Rate (APR): 0% intro APR for 12 months, then variable 13.99% to 24.99%
Why We Picked It: The 6% cash back on groceries is the highest cash back rate we’ve seen, and 3% cash back on gas makes trips to and from the grocery store more rewarding.
Benefits: Grocery purchases earn 6% cash back, gas stations and select department stores earn 3% cash back and everything else earns 1% cash back. Considering the dent gas, groceries and clothing can put in a family’s budget, this is a fantastic way to supercharge your cash rewards. Plus, you get a $150 cash bonus for spending $1,000 in three months and a year of interest-free purchases and balance transfers.
Drawbacks: There’s an annual fee of $95, which can eat into your cash back earnings a little bit.

2. Premier Dining Rewards From Capital One

Cash Back Rewards: 3% cash back on dining, 2% cash back on groceries, 1% cash back on everything else
Signup Bonus: $100 when you spend $500 in the first three months
Annual Fee: None
APR: Variable 15.24%, 20.24% or 24.24%
Why We Picked It: The card earns 2% cash back on groceries and 3% cash back on dining for those nights you want to order a pizza.
Benefits: There’s 3% cash back on dining, 2% cash back on groceries and 1% cash back on all purchases, which is a healthy mix of ways to earn cash if you tend to cook and dine or order out a lot. Cardholders get a $100 bonus when they spend $500 in the first three months. Plus, you’ll get a range of other benefits, including concierge services, price protection, travel protection and travel upgrades and savings.
Drawbacks: If you don’t dine out a lot, you’ll be better off with a card that offers a better grocery rate.

3. Citi Double Cash

Cash Back Rewards: 1% cash back on all purchases and 1% cash once you pay, for a total of 2% cash back on everything
Signup Bonus: None
Annual Fee: None
APR: Variable 14.49% to 24.49% on purchases, 0% intro APR for 18 months on balance transfers, then variable 14.49% to 24.49%
Why We Picked It: This card provides simple cash back earnings with no purchase types to track. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)
Benefits: All purchases can earn 2% cash back by the time they’re paid off. You get 18 months of no interest on balance transfers. Plus, Citi has several travel and purchase protection policies that come standard with the card.
Drawbacks: If you want supercharged cash back categories, this probably isn’t the card for you. It’s a simple card that earns the same percentage of cash back on everything.

4. Costco Anywhere Visa Card by Citi

Cash Back Rewards: 4% cash back on up to $7,000 in eligible gas purchases (then 1%), 3% cash back on dining and travel, 2% cash on Costco purchases, 1% cash back on everything else
Signup Bonus: None
Annual Fee: None (Note: This card does require a paid Costco membership)
APR: 0% intro APR for purchases for seven months, then 16.24%
Why We Picked It: For people who spread their credit card purchases around, this card offers a range of ways to earn cash back, with 2% cash back on all Costco purchases.
Benefits: The card earns cash back on all purchases, with special cash back rates on gas, dining, travel and Costco purchases. Purchases are interest-free for the first seven months. Plus, travel and purchase protections come standard with Citi cards.
Drawbacks: You’ll have to be a Costco member to get this card. Cash back is awarded on an annual basis, so you must wait a year for rewards.

How to Choose a Card That Rewards Your Grocery Purchases

If you only use your credit card to buy groceries, picking a card to put dinner on your table is simple: Choose the card with the best cash back rate on groceries.

If you put other purchases on your card, such as dining, travel, gas and more, you’ll want to closely examine the other cash back rates to pick the right card. Look at your current purchasing behavior to see what you tend to spend the most on, and pick a cash back card that provides the best return.

Of course, if you crave simplicity and don’t want to track purchase types, you may want to find the card with the best flat cash back rate on all purchases.

What Is Required to Get a Card That Rewards Grocery Purchases?

More often than not, the cash back rewards cards with the highest rewards require good or excellent credit. Make sure to check your credit score before you apply for a rewards card. You can check two of your scores on Credit.com. A hard inquiry into your credit will lower your score a few points, so you’ll want to be reasonably sure you can qualify for the card before you apply.

Image: franckreporter 

At publishing time, the Blue Cash Preferred from American Express, Capital One Premier Dining Rewards, Citi Double Cash and Costco Anywhere Visa credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 4 Credit Cards That Reward You for Putting Dinner on the Table appeared first on Credit.com.

4 Credit Cards to Help Fund Your Wedding

With benefits like cash back rewards and 0% interest periods, these cards can help you make getting hitched a little easier on your wallet.

[Disclosure: Cards from our partners are mentioned below.]

Your wedding is the event that launches you and your partner into your future as a married couple. It’s also an excuse to throw a great party and bring together friends and loved ones to celebrate your relationship.
Of course, paying for a wedding is not an easy thing. Whether you’re throwing a backyard barbecue or an elegant affair, expenses can pile up fast, and racking up debt isn’t the greatest beginning for a long-term commitment.

Fortunately, there are some credit cards that can help you curb costs as you plan your wedding. Here are four of our favorites.

1. Citi Double Cash

The Draw: Unlimited 1% cash back on purchases and an additional 1% back upon payments (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

Signup Bonus: None

Annual Fee: None

Annual Percentage Rate (APR): 0% introductory APR for 18 months, then variable 14.24% to 24.24%.

Why We Picked It: This card provides extra motivation for paying off your balance fast.

Benefits: All purchases earn 1% cash back and an extra 1% upon payment for a total of 2% cash back.

Drawbacks: You won’t earn your full cash back until you’ve paid off your purchases.

2. Chase Freedom Unlimited

The Draw: 1.5% cash back on all purchases

Signup Bonus: $150 cash back when you spend $500 in the first three months

Annual Fee: None

APR: 0% introductory APR for 15 months, then variable 15.74% to 24.49%

Why We Picked It: This is a well-rounded cash back card with a decent rate of return, a signup bonus and a long introductory APR period.

Benefits: All purchases earn a flat 1.5% cash back. There’s a $150 signup bonus, and purchases and balance transfers are interest-free for the first 15 months.

Drawbacks: There are higher cash back rates available if you’re willing to meet slightly more restrictive requirements.

3. Blue Cash Preferred Card From American Express

The Draw: 6% cash back at U.S. supermarkets on up to $6,000 in purchases per year (then 1%), 3% cash back at U.S. gas stations and select U.S. department stores, 1% cash back on everything else

Signup Bonus: $250 cash back when you spend $1,000 in the first three months

Annual Fee: $95

APR: 0% introductory APR for 12 months, then variable 13.74% to 24.74%

Why We Picked It: Through a gift-card hack, you could earn 6% cash back on many of your DIY wedding crafts.

Benefits: If your wedding is a DIY affair, you could earn 6% cash back at retailers by purchasing gift cards and using them elsewhere. There’s also a nice $250 signup bonus and a year of interest-free APR.

Drawbacks: Due to fraud concerns, some grocery stores won’t let customers use plastic to buy gift cards, so check your supermarket’s policy before you apply.

4. Chase Slate

The Draw: No balance transfer fees

Signup Bonus: None

Annual Fee: None

APR: 0% introductory APR for 15 months, then variable 15.74% to 24.49%

Why We Picked It: This card is perfect for balance transfers.

Benefits: This card offers 0% intro APR for 15 months with no balance transfer fees, so if you want to transfer your wedding expenses onto a card with good terms, this is the one for you.

Drawbacks: This basic credit card doesn’t offer rewards.

How to Choose a Card for Wedding Expenses

The best card to finance your wedding will depend on your goals. If you’re looking to save money, a cash back card may be the best fit. If you want to transfer a balance or take some time to pay down your debt, a card with an introductory APR period and minimal fees may be best.

We recommend analyzing your wedding budget to determine what types of purchases you’re likely to make, and then picking a card that will best reward that type of spending. Also keep in mind, signup bonuses are a great incentive if you can realistically meet the spending requirements. Just make sure they won’t require you to stretch your budget.

What Credit You Need to Get a Card to Pay for Your Wedding

Most cards with cash back rewards or introductory APR offers require good-to-excellent credit. If that describes you, acquiring a new card should not be a problem. Not sure of your standing? You’ll want to check your credit score before you apply. You can view two of your scores for free on Credit.com.

At publishing time, the Chase Slate, Chase Freedom Unlimited, Blue Cash Card from American Express and Citi Double Cash credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for these cards. However, these relationships do not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

Image: aldomurillo

The post 4 Credit Cards to Help Fund Your Wedding appeared first on Credit.com.

5 Credit Cards to Help Fund Your Summer Renovations

Big home projects come with a lot of upfront expense, but the right credit card can help you finance the work.

[Disclosure: Cards from our partners are mentioned below.]

Home renovations and updates come in all shapes and sizes, but one thing they have in common is a lot of upfront expense. Whether you’re landscaping your yard, replacing your hot water heater or remodeling your kitchen this summer, you may need help financing your project.

The right credit card can help you do that. With that in mind, here are five card options worth considering.

1. Home Depot Consumer Credit Card

The Draw: Discounts and special interest-free financing offers

Signup Bonus: None

Annual Fee: None

Annual Percentage Rate (APR): 0% intro APR for qualifying purchase types, then variable 17.99% to 26.99%

Why We Picked It: Home Depot’s credit card can help you fund your project and give you time to pay it off interest-free.

Benefits: For Home Depot purchases of $299 and up, you’ll get six months with no interest. Home Depot also regularly offers promotions of up to 24 months with no interest for various project types, such as garages or water treatment purchases. There are special discounts available for certain products as well. Finally, cardholders get a year of hassle free returns, nine months longer than Home Depot’s standard return policy.

Drawbacks: The card is tied to Home Depot, so if you want to purchase your project materials elsewhere, keep looking.

2. Lowe’s Consumer Credit Card

The Draw: 5% off Lowe’s purchases, 0% intro APR for qualifying purchase types

Signup Bonus: None

Annual Fee: None

APR: 0% intro APR for qualifying purchase types, then 26.99%

Why We Picked It: Lowe’s customers get a 5% discount and long intro periods to pay off their purchases without interest.

Benefits: Purchases of $299 and up qualify for six months interest-free if they’re paid off in that time period. Lowe’s also offers 10% discounts and 24 months interest-free on specific purchase types like patio furniture and grills. Cardholders get 5% off all eligible purchases, but that discount can’t be combined with most other offers.

Drawbacks: Once the interest kicks in, it’s quite high. Those who don’t shop at Lowe’s will see no benefit from this card.

3. Discover it

The Draw: 5% cash back on quarterly rotating purchase categories, 1% cash back on all other purchases

Signup Bonus: Discover will match all cash back earned in the first year.

Annual Fee: None

APR: 0% intro APR for 14 months, then variable 11.74% to 23.74%

Why We Picked It: If you move fast, you can earn 5% cash back on your home improvement purchases.

Benefits: The card earns 5% cash back on rotating purchase categories on up to $1,500 in purchases per quarter. Right now, the bonus category includes home improvement stores, but you’ll have to act quickly because the category will roll over in July. The card also offers 0% intro APR for 14 months, a long time to pay off your project. Plus, as we mentioned, Discover will match your earned cash back for the first year.

Drawbacks: If you don’t want to track rotating purchase categories, this card will be a headache. You also need to move quick to take advantage of 5% cash back on home improvement store purchases.

4. Citi Double Cash

The Draw: 1% unlimited cash back on purchases and an additional 1% as you pay off those purchases

Signup Bonus: None

Annual Fee: None

APR: 0% intro APR for 15 months on purchases and balance transfers, then variable 14.24% to 24.24%.

Why We Picked It: The card earns 1% cash back on your renovation expenses, then gives you an extra 1% incentive to pay your balance down quickly. (Full Disclosure: Citibank advertises on Credit.com, but that results in no preferential editorial treatment.)

Benefits: By the time you’ve paid off a purchase, it’s earned you a total of 2% cash back, significant for an expensive home renovation project. Plus, Citi Price Rewind automatically searches for a lower price on items you register, and will issue a reimbursement if a lower price is found within 60 days of the date of purchase.

Drawbacks: Because you don’t get a full 2% cash back rate until you pay, this card isn’t a good fit for those that tend to carry a balance.

5. Chase Freedom Unlimited

The Draw: Unlimited 1.5% cash back

Signup Bonus: $150 when you spend $500 in the first three months

Annual Fee: None

APR: 0% intro APR for 15 months on purchases and balance transfers, then variable 15.74% to 24.49%

Why We Picked It: The card earns an automatic 1.5% cash back on all purchases, and has a lengthy 0% intro APR period.

Benefits: All purchases earn 1.5% cash back, with no purchase categories to track or hoops to jump through. Cardholders also won’t incur interest for 15 months, a substantial time frame to pay off your project.

Drawbacks: This isn’t the highest cash-back rate available.

How to Choose a Credit Card for Your Home Project

The type of renovations you’re doing could determine the right card for your project. For instance, if you’re installing a shed in your backyard, and Home Depot is offering a deep discount on sheds, that might be enough of a draw to choose that card.

However, if your project requires many different purchase types spread across multiple stores, or if you also want a card that you can use for everyday spending, you’re likely better off with a general spending card with cash back rewards.

If you’re looking to take advantage of a 0% intro APR offer, you’ll want to estimate the cost of your project and find a card with a payback period long enough for you to pay off the project in full. Otherwise, you’ll wind up getting hit with interest once the intro period expires.

What Is Required to Get a Card for My Home Project?

Cash-back rewards cards generally require good to excellent credit to qualify, while store branded credit cards may have looser requirements. No matter what card you wind up choosing, you’ll want to be confident you can qualify before you apply. You can check two of your credit scores for free on Credit.com to get an idea of where your credit stands and which cards you may be eligible for. Need to improve your scores? You can read more about how to do so here.

Image: shironosov

At publishing time, the Discover it, Citi Double Cash and Chase Freedom Unlimited credit cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment. This content is not provided by the card issuer(s). Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved or otherwise endorsed by the issuer(s).

Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.

The post 5 Credit Cards to Help Fund Your Summer Renovations appeared first on Credit.com.