3 Credit Cards You Can Use to Stock Your Wardrobe

Holiday Shopping Budget

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

Whether you’re a fashion-focused socialite or a busy parent with growing kids, clothing expenses can make up a big chunk of your overall spending. Some credit cards can help you afford clothes and earn rewards as you shop for fresh threads.

Here are three credit cards you can use to stock your wardrobe.

1. Blue Cash Preferred Card from American Express

Rewards: 6% cash back on up to $6,000 in annual US supermarket purchases; 3% cash back at US gas stations and participating department stores; 1% cash back on other purchases.
Sign-Up Bonus: $200 bonus statement credit if you spend $1,000 in the first three months.
Annual Fee: $95
Annual Percentage Rate (APR): 0% APR for 12 months on purchases and balance transfers, then variable 13.99% to 24.99% APR.
Why We Picked It: You’ll earn cash back at qualifying department stores.
For Your Wardrobe:
You’ll earn an impressive 3% cash back rate at 16 participating department stores, including Bloomingdale’s, J.C. Penney, Kohl’s, Macy’s, Nordstrom, and Saks Fifth Avenue.
Drawbacks: There’s a $95 annual fee.

2. Chase Freedom 

Rewards: 5% cash back on up to $1,500 in purchases per quarter for rotating categories and 1% cash back on other purchases.
Signup Bonus: $150 bonus cash if you spend $500 in the first three months.
Annual Fee: $0
APR:
0% APR for 15 months on purchases and balance transfers, then variable 15.99% to 24.74% APR.
Why We Picked It:
This quarter, purchases at qualifying stores earn 5% cash back.
For Your Wardrobe: Through the end of 2017, the bonus category is Walmart and department store purchases. Any clothes you buy at these retailers will earn 5% cash back.
Drawbacks: You’ll have to keep track of the rotating categories each quarter.

3. Discover it – 18 Month Balance Transfer Offer

Rewards: 5% cash back on up to $1,500 in purchases per quarter for varying categories of items and 1% cash back on other purchases.
Sign-Up Bonus: Discover will match all cash back earned in the first year.
Annual Fee: $0
APR: 0% APR for 18 months on balance transfers and 6 months on purchases, then variable 11.99% to 23.99% APR.
Why We Picked It: If you shop at the right merchants, both online and in-store clothing purchases can earn you 5% cash back each year.  
For Your Wardrobe: Through the end of 2017, Target and Amazon.com purchases would earn you 5% cash back. If you get your clothes at these retailers, you can really clean up.
Drawbacks:
Bonus categories change every quarter, and they won’t always be wardrobe-focused.

How to Choose the Right Credit Card for Stocking Your Wardrobe

You should choose a credit card that rewards the types of purchases you tend to make. Some credit cards focus on department stores, while others may reward online purchases. If you tend to shop around, a credit card with a flat cash back rate on every purchase might be a great fit.

Some credit card companies have online marketplaces that offer exclusive discounts or increased rewards at select retailers, including department stores and leading fashion brands. You can get deals, coupons, or even extra cash back by shopping at participating stores. For any card you’re considering, check to see if the issuer has an online marketplace that features your favorite brands.

You may be tempted to apply for a store credit card at your favorite retailer. But be careful—store credit cards often have higher fees and interest rates, can’t be used at other stores, and have unimpressive rewards compared to major credit card brands. 

What Credit Is Required for a Card to Shop for Clothes?

The best rewards credit cards require good to excellent credit. Make sure to check your credit score before you apply, since you’ll want to be confident about your chances of getting approved. You can check your credit report free at Credit.com.

Image: istock

At publishing time, the Blue Cash Preferred Card from American Express, the Chase Freedom card, and the Discover it card are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. 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 3 Credit Cards You Can Use to Stock Your Wardrobe appeared first on Credit.com.

Four Credit Cards with Online Rewards Marketplaces

ride-bicycle-to-work

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

Rewards credit cards already offer consumers a way to earn cash back, travel credits, and other benefits as they spend. But some credit card issuers go a step further and offer consumers access to online marketplaces where customers can shop at leading brands and gain exclusive discounts or rewards boosts.

Here are four credit cards that offer online marketplaces with great rewards.

1. Discover it Card – 18 Month BT Offer 

Rewards: 5% cash back on up to $1,500 in quarterly purchases at specific retailers or in specific industries, and 1% cash back on other purchases.
Sign-Up Bonus: Discover will match all cash back earned in the first year with this card.
Annual Fee: $0
Annual Percentage Rate (APR): 0% APR for six months on purchases, then variable 11.99% to 23.99% APR; 0% APR for 18 months on balance transfers, then variable 11.99% to 23.99% APR.
Why We Picked It: Discover Deals offers extra cash back and exclusive discounts when you use this card.
The Online Marketplace: The Discover Deals platform features over 100 partner brands in categories ranging from fashion to travel. Cardholders can access online discounts, coupons for online and in-store purchases, and even bonus cash back at participating retailers.
Drawbacks: You’d have to keep track of the bonus categories, which change every quarter.

2. Chase Sapphire Preferred

Rewards: Two points per dollar for travel and dining and one point per dollar for other purchases.
Sign-Up Bonus:
50,000 bonus points if you spend $4,000 in the first three months.
Annual Fee:
$0 the first year, then $95 per year after that.
APR: Variable 16.99% to 23.99% APR on purchases and balance transfers.
Why We Picked It: Frequent travelers can rack up points quickly with Shop Through Chase.
The Online Marketplace: Shop Through Chase can help you quickly amass points for your next vacation. Shoppers simply log in to their Chase account to access offers for extra points at over 200 popular retailers.
Drawbacks: This card is most valuable for frequent travelers—but if that doesn’t describe you, keep looking.

3. Citi Double Cash – 18 Month BT offer

Rewards: 1% cash back on all purchases with an additional 1% once the cardholder pays the bill.
Sign-Up Bonus:
None
Annual Fee:
$0
APR:
Variable 14.49% to 24.49% APR on purchases; 0% APR for 18 months on balance transfers, then variable 14.49% to 24.49% APR.
Why We Picked It: Citi’s online marketplace boasts an impressive range of merchants and bonus offers.
The Online Marketplace: On top of their base rewards, cardholders can earn additional cash back using the Citi Bonus Cash Bonus Center. This online portal means business, and not only gives consumers access to over 700 retailers, but also gives consumers bonus offers ranging from an additional 1% to 25% cash back.
Drawbacks:
There’s no sign-up bonus.

4. The Amex EveryDay Credit Card from American Express

Rewards: Two points per dollar on up to $6,000 in U.S. supermarket purchases per year and one point per dollar spent on other purchases.
Sign-Up Bonus: 10,000 bonus points when you spend $1,000 in the first three months.
Annual Fee: $0
APR:
0% APR for 12 months on purchases and balance transfers, then variable 13.99% to 23.99% APR.
Why We Picked It: American Express provides many ways to browse offers.
The Online Marketplace: Using your account, an online app, or even social channels like Facebook Messenger and Twitter, cardholders can earn bonus points by shopping Amex Offers. You simply find the deals you like, “add” them to your card, and then make a qualifying purchase. Bonuses will be applied within 90 days of an offer’s expiration date.
Drawbacks: Depending on your timing, you might have to wait a bit to access your extra rewards. 

Choosing a Card with an Online Marketplace

Online marketplaces add value with exclusive discounts or additional rewards. The right credit card should align with your spending habits, provide rewards you’ll actually use, and include reasonable fees and APR.

Many credit card issuers make their online marketplaces compatible with some or all of their offered credit cards. If you find an online marketplace you like, you should look at every eligible card before arriving at a decision.

If an online marketplace doesn’t feature merchants or brands you like, it won’t offer much value to you. And while exclusive offers are appealing, they won’t always make up for higher prices—so make sure to shop around.

What Credit is Required for This Type of Card?

Rewards cards with online marketplaces will often require good or excellent credit. Before you apply, you should check your credit score to make sure you have a good shot at approval. You can check your credit report for free at Credit.com.

Image: istock

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3 Credit Cards That Reward Your Streaming Subscriptions

real estate tv shows

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

Streaming entertainment services offer subscribers a virtually bottomless well of entertainment—whether you love movies, TV shows, or music. And while they’re cheap compared to the movie theater and record store, subscription services do add on to your entertainment budget. Some credit cards can negate these costs by specifically rewarding streaming subscriptions.

Here are three credit cards that reward streaming entertainment services.

1. Citi ThankYou Preferred Card

Rewards: Two points per dollar spent on dining and entertainment; one point per dollar spent on other purchases.
Sign-Up Bonus: None
Annual Fee: $0
Annual Percentage Rate (APR): 0% APR for 15 months on purchases and balance transfers, then variable 14.49% to 24.49% APR.
Why We Picked It: All streaming services earn points toward valuable rewards.
For Your Streaming Content: All entertainment purchases, including streaming services like Netflix or Spotify, earn two points on the dollar. Dining purchases earn double points as well, so you’re covered for a night of pizza and a movie. Points can be redeemed for travel, merchandise, gift cards, and more.
Drawbacks: If you don’t dine out a lot, you won’t earn points as quickly.

2. Sony Card from Capital One

Rewards: Five points per dollar spent on Sony purchases at participating retailers; three points per dollar spent on music and video downloads, theater purchases, movie rentals, and digital streaming and subscription services; one point per dollar spent on other purchases.
Sign-Up Bonus: 5,000 bonus points if you make your first purchase within 90 days.
Annual Fee: $0
APR: 0% intro APR until March 2018 on purchases, then variable 14.99% to 24.99% APR; variable 14.99% to 24.99% APR on balance transfers.
Why We Picked It: This card is tailored for entertainment, including streaming services.
For Your Streaming Content: You’ll earn three points per dollar spent on streaming and subscription services. Points can be redeemed for Sony merch, music, games, and more.
Drawbacks: This card’s redemption options are limited to Sony’s rewards platform.

3. Amazon Prime Rewards Visa Signature Card

Rewards: 5% back in points at Amazon.com; 2% back in points at restaurants, gas stations, and drugstores; and 1% back in points on other purchases.
Sign-Up Bonus:
$70 Amazon.com gift card upon approval.
Annual Fee:
$0 with a paid Amazon Prime membership.
APR: 
Variable 15.24% to 23.24% APR.
Why We Picked It: 
Amazon Prime members can earn points on their membership and stream select music and movies.
For Your Streaming Content: This card earns special rewards rates on Amazon.com purchases, including the Amazon Prime membership. That means you get rewarded for the annual Prime membership fee while accessing Prime’s free TV shows, movies, and music. And the rewards you earn can be redeemed for future Amazon.com purchases.
Drawbacks: 
To access Amazon’s entire music catalog, you’ll still have to pay extra for Amazon Music Unlimited, as the free version for Prime members isn’t comprehensive.

How to Choose a Credit Card for Streaming Services

If you have quite a few streaming subscriptions, try to find a card that offers rewards for your favorite streaming platforms. Carefully review reward redemption options to ensure you’ll actually use the provided rewards.

If streaming services make up only a small part of your monthly budget, you may want to choose a card that rewards you for bigger expenses or a card that offers equal rewards for all purchases.

What Credit Is Required for a Streaming Subscription Credit Card?

Solid rewards cards generally require good to excellent credit. You should check your credit before you submit an application, and move forward only if you’re likely to get approved. You can check your credit for free at Credit.com.

Image: istock

At publishing time, the Citi Thank You Preferred Card and the Sony Card from Capital One are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. 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 3 Credit Cards That Reward Your Streaming Subscriptions appeared first on Credit.com.

5 Credit Cards for Car Maintenance

car-maintenance-for-a-road-trip

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

If you want to keep your ride in tip-top shape, you perform regular maintenance. After all, the last thing you want is for your car to break down, leaving you stranded on the side of the road.

Whether you prefer to do it yourself or call a mechanic, car maintenance can get expensive. However, some credit cards can help you save as you maintain your ride.

Here are five credit cards to keep your car running smoothly.

1. Costco Anywhere Visa Card by Citi

Rewards: 4% cash back on up to $7,000 in eligible gas spending per year (1% cash back on purchases beyond that threshold); 3% cash back at restaurants and on eligible travel purchases; 2% cash back at Costco and Costco.com; and 1% cash back on other purchases.
Sign-Up Bonus: None
Annual Fee: $0 (you must have a paid Costco membership)
Annual Percentage Rate (APR): 0% APR for seven months on purchases, then variable 16.24% APR; variable 16.24% APR on balance transfers.
Why We Picked It: Costco members can use this card to save on car supplies and services.
For Your Ride: 
This card earns 2% cash back at Costco and Costco.com, including auto goods and services purchased from the wholesale club. Drivers can also earn 4% cash back on gas.  
Drawbacks: 
You must have a Costco membership to get this card.

2. Discover it – 18 Month Balance Transfer Offer

Rewards: 5% cash back on up to $1,500 in purchases per quarter for quarterly rotating bonus categories; 1% cash back on other purchases.
Sign-Up Bonus: Discover matches all cash back earned in the first year.
Annual Fee: $0
APR: 0% APR for six months on purchases, then variable 11.99% to 23.99% APR; 0% APR for 18 months on balance transfers, then variable 11.99% to 23.99% APR.
Why We Picked It: If you buy auto supplies from the right merchants, you can save big this quarter.
For Your Ride: For the rest of 2017, the 5% cash back bonus category is Amazon.com and Target purchases. While you may not be able to find everything you need at these merchants, routine maintenance supplies and parts are readily available and will earn you a fantastic cash back rate.
Drawbacks: Bonus categories shift every quarter, and some won’t apply to auto expenses.

3. Citi Simplicity

Rewards: None
Sign-Up Bonus: None
Annual Fee: $0
APR: 0% APR for 21 months on purchases and balance transfers, then variable 14.99% to 24.99% APR.
Why We Picked It: This card can help you avoid interest on large repairs or restoration projects.
For Your Ride: This card’s primary draw is its 0% APR offer, which gives you almost two years of interest-free purchases and balance transfers. This could come in handy if you’re paying off an expensive repair or restoring a classic car.
Drawbacks: There are no rewards programs.

4. Bank of America Cash Rewards 

Rewards: 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs for up to $2,500 in purchases each quarter (1% cash back on purchases beyond that threshold); 1% cash back on other purchases.
Sign-Up Bonus:
$150 bonus cash if you spend $500 in the first 90 days.
Annual Fee:
$0
APR:
0% APR for 12 months on purchases and balance transfers, then variable 13.99% to 23.99% APR.
Why We Picked It: You can earn cash back as you fuel up and purchase auto supplies at your favorite wholesale club.
For Your Ride: With 2% cash back at wholesale clubs, you can stock up on auto supplies and save. Plus, gas purchases earn 3% cash back.
Drawbacks: There’s a quarterly limit on the special cash back rates.

5. Citi Double Cash

Rewards: 1% cash back on purchases and an additional 1% cash back upon payment.
Sign-Up Bonus: 
None
Annual Fee:
$0
APR:
0% APR for 18 months on balance transfers, then variable 14.49% to 24.49% APR; variable 14.49% to 24.49% APR on purchases.
Why We Picked It: 
All purchases, including car maintenance costs, can earn 2% cash back.
For Your Ride: All purchases automatically earn 1% cash back, and another 1% cash back is awarded upon payment. That gives you motivation to invest in your vehicle but pay off your expenses quickly.
Drawbacks: 
If you tend to carry a balance over time, this card probably isn’t for you.

How to Choose a Card for Car Maintenance

The right credit card depends on the type of auto purchases you make. If you’re focused on fuel, you should choose a gas rewards card. If you’re concerned with the cost of auto parts, find a card that earns cash back at your supplier of choice. If you want to avoid interest on an expensive repair, a card with a strong 0% APR offer can help.

Some credit card issuers offer roadside assistance services (for varying costs) as part of their overall benefits package. If you’re driving a fixer-upper with reliability issues, you may want to check for a solid roadside assistance policy.

What Credit Is Required for a Car Maintenance Credit Card?

Usually, the best credit cards are reserved for those with excellent credit, but there are rewards cards for consumers of all kinds and credit scores. Before you apply for a card, check its credit requirements against your credit score—you can get a free credit report from Credit.com. If it doesn’t look like you’ll qualify, just keep shopping around.

Image: istock 

At publishing time, the Costco Anywhere Visa Card by Citi, Discover it, Citi Simplicity, and Citi Double Cash cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. 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 for Car Maintenance appeared first on Credit.com.

The 10 Best Credit Cards for Online Shopping

Here are six excellent shops worth a stop on your travels, including one based on a children's book.

We found credit cards that pay you to do what you love—shop online.

No, but really, if you’re already spending your hard-earned money on online retailers like Amazon, Target, Costco, etc., why not make sure you get a little money back?

Here are some of the best and most popular credit cards that reward you for online shopping.

1. Discover it® Cashback Match Card

The Discover it® card is featured on many best credit card lists, and for good reason. The card offers 5% cash back at Amazon.com and Target through the end of 2017, which means you can get started on holiday shopping early. Also, the card has no annual fee and offers 1% cash back on pretty much everything else.

2. Citi® Double Cash Card

The Citi® Double Cash Card gets its name from its cash back bonus, which is 1% on purchases and an additional 1% when you make a minimum payment. Though it’s not a clean-cut 2% cash back, it’s pretty darn close, and there’s no annual fee to worry about. If you’re looking to do all of your shopping online, Citi’s Double Cash card can help you get started.

3. Amazon Prime Card

If we’re talking about online shopping, it’s impossible to not include Amazon’s own credit card. The Amazon Prime Rewards Visa Signature card boasts 5% cash back for purchases from Amazon.com, but only if you’re already a Prime member. The card also offers 1% cash back on just about everything outside of Amazon.

While there’s no annual membership fee, you’ll need that Prime membership to get full benefits, so in a way you are paying for it. But for the tens of millions who already subscribe to Amazon Prime, maybe it’s no big deal.

4. Target REDcard

If you’re looking to shop from the comfort of your couch, the Target REDcard has its benefits. It offers 5% cash back at Target and Target.com and free shipping on “most” items on Target.com. Like most other cards in this list, there’s no annual fee to deal with. And if you do have the sudden urge to visit a physical Target, you can use the REDcard for discounts on in-store Starbucks purchases.

5. PayPal Credit Card

If you frequent online stores that use PayPal, you might want to check out the PayPal cash back credit card. First off, PayPal makes online check-out much easier—you pay with PayPal credentials instead of entering credit info—and you get rewards points for every dollar you spend to redeem for credit with the PayPal credit card. There’s also no annual fee. We think PayPal fans should check it out and see if it’s what they’ve been wanting to bring the worlds of online shopping and credit cards a little bit closer together.

6. Barclaycard CashForward™ World Mastercard®

The Barclaycard CashForward card made our list for best credit cards for online shopping because it offers “unlimited 1.5% cash rewards on every purchase,” so you’re looking at getting something back no matter where you shop online. It also doesn’t bother with an annual fee, which means no surprise service charge at the end of the year.

7. Capital One QuicksilverOne

If you’re concerned you might not have the best credit and still want to shop with your favorite online retailers, the QuicksilverOne might interest you. Unlike other cards on this list, it does carry an annual fee, but it’s less than what we’ve seen from competitors. Also, you can still get rewarded for your shopping with 1.5% cash back on every purchase.

8. Blue Cash Everyday® Card

The Blue Cash Everyday® card from American Express is similar to other credit cards on this list in that it offers cash back rewards and no annual fee. However, it also has something other cards don’t—American Express customer service, which “received the highest ranking for customer satisfaction” from JD Power. So go forth and shop, and take comfort you’ve got help if you need it.

9. Chase Freedom Unlimited® Card

With no annual fee and 1.5% cash back on any purchase, the Chase Freedom Unlimited® card might be right for the online shopper who doesn’t want to worry about what purchases qualify for rewards points. There’s also no minimum required to redeem that 1.5% cash back, so feel free to do as you please when perusing Cyber Monday deals or the latest flash sale.  

10. Costco Anywhere Visa® Card

People might not think of online shopping when they think of Costco, but skipping the Saturday Costco crowds while still getting bulk goods and deep discounts makes for a pleasant experience. What’s more, the Costco Anywhere Visa® card can make Costco trips (online and in person) all the more rewarding. The card offers 2% cash back on all purchases from Costco and Costco.com, and 1% cash back on everything else.

Image: Eva-Katalin 

The post The 10 Best Credit Cards for Online Shopping appeared first on Credit.com.

4 Credit Cards for NHL Fans

hockey_game

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

Hockey season is officially here, and hardcore NHL fans can now settle in to watch their favorite sport. If you love attending live games, throwing viewing parties, or watching at the pub, you could be spending a lot of cash on your hockey obsession.

Some credit cards can help, earning rewards as you support your team. Here are four credit cards for NHL fans.

1. NHL Discover it Card

Rewards: 5% cash back on up to $1,500 in quarterly bonus category purchases; 1% cash back on other purchases.
Sign-Up Bonus: Discover will match all cash back earned in the first year.
Annual Fee: $0
Annual Percentage Rate (APR): 0% APR for 14 months on purchases and balance transfers, then variable 11.99% to 23.99% APR.
Why We Picked It: Hockey fans can show team pride, get gear, and earn great cash back rates.
For NHL Fans: 
Cardholders earn 5% cash back on bonus categories that rotate each quarter; this quarter’s bonus category is Amazon.com and Target purchases. No matter your team of choice, you can have their official logo and design stamped on your card. Plus, you can save 10% at Shop.NHL.com and on an NHL TV subscription.
Drawbacks: 
This card requires a bit of maintenance, as you’ll need to track and activate bonus categories. 

2. Citi ThankYou Preferred

Rewards: Two points per dollar spent on dining and entertainment; one point per dollar spent on other purchases.
Sign-Up Bonus: None
Annual Fee:
$0
APR:
0% APR for 15 months on purchases and balance transfers, then variable 14.49% to 24.49% APR.
Why We Picked It: All dining and entertainment purchases, including sporting events, earn double points.
For NHL Fans: If you attend a lot of games in person, you can quickly earn rewards with two points per dollar on entertainment purchases. Points can be redeemed for travel, gift cards, and more. Cardmembers also get special access to tickets for sporting events (and more) with the Citi Private Pass.
Drawbacks: This card currently doesn’t offer a sign-up bonus.

3. Blue Cash Preferred Card from American Express

Rewards: 6% cash back on up to $6,000 in annual spending at US supermarkets (1% cash back on purchases beyond that threshold); 3% cash back at US gas stations and participating department stores; and 1% cash back on other purchases.
Sign-Up Bonus: $200 statement credit if you spend $1,000 in the first three months.
Annual Fee:
$95
APR:
0% for 12 months on purchases and balance transfers, then variable 13.99% to 24.99% APR.
Why We Picked It: This card helps you save on game-day party food.
For NHL Fans: Party hosts can save big with this card, earning 6% cash back at supermarkets as they supply their game-day menu. You can also save on your favorite jerseys from participating department stores or on gas getting to and from the games.
Drawbacks: There’s a $95 annual fee.

4. Premier Dining Rewards From Capital One

Rewards: 3% cash back on dining; 2% cash back on groceries; and 1% cash back on other purchases.
Sign-Up Bonus: $100 bonus cash back if you spend $500 in the first three months.
Annual Fee:
$0
APR:
Variable 15.49% to 24.49% APR on purchases and balance transfers.
Why We Picked It: If you tend to watch games at the bar, this card can help you save.
For NHL Fans: If you like to watch games while ordering nachos and brews at your neighborhood sports bar, you’ll earn 3% cash back on your dining purchases.
Drawbacks: 
If you don’t dine out frequently, this card isn’t for you.

How to Choose a Card for Your NHL Purchases

The best card for hockey purchases largely depends on your spending habits and preferred rewards.

Look for a card that rewards the way you spend. If you go to live games, a card that rewards entertainment purchases offers value. If you throw a lot of parties, a card with grocery rewards could be a good fit. If you like to go to the bar to watch, a card with dining rewards might be the best choice.

Be sure to review the card’s redemption options. Cash back and points rewards often have many redemption choices, so make sure to consider the rewards you wish to earn.

What Credit Is Required for a Card for Hockey Fans?

Cards with strong rewards usually require good to excellent credit. Before you apply, you should be reasonably confident in your chances of approval, as a hard inquiry from a credit card application can slightly lower your credit score. You can check your credit report for free at Credit.com.

Image: istock 

At publishing time, the NHL Discover it Card, Blue Cash Preferred Card from American Express, and Citi ThankYou Preferred are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. 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 NHL Fans appeared first on Credit.com.

6 Cash Back Credit Cards for Holiday Shopping

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

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

If you love buying gifts for friends, loved ones, and your postal carrier, you might already be shopping around ahead of the holiday season. But if you use cash or debit to pay for holiday gifts, you’re losing out on rewards. Cash back credit cards can help you earn back money as you shop for gifts.

Here are six cash back credit cards ideal for holiday shopping.

1. Discover it Card – 18 Month Balance Transfer Offer 

Rewards: 5% cash back on up to $1,500 in quarterly purchases in rotating bonus categories; 1% cash back on other purchases.
Sign-Up Bonus: Discover matches all cash back earned in the first year.
Annual Fee: $0
Annual Percentage Rate (APR): 0% APR for 18 months on balance transfers and six months on purchases, then variable 11.99% to 23.99% APR on purchases and balance transfers.
Why We Picked It: You can earn 5% cash back on gifts from select merchants.
For Your Holiday Gifts: Through December this year, Target and Amazon.com purchases earn 5% cash back, giving you big cash back rewards on a huge range of products. With Discover Deals, you get additional cash back offers and discounts from participating merchants.
Drawbacks: 
You have to track and activate bonus categories every quarter.

2. Blue Cash Preferred Card from American Express

Rewards: 6% cash back on up to $6,000 in yearly purchases at US supermarkets (1% cash back on purchases beyond that threshold); 3% cash back at US gas stations and select department stores; and 1% cash back on other purchases.
Sign-Up Bonus: $200 bonus statement credit if you spend $1,000 in the first three months.
Annual Fee: $95
APR: 0% APR for 12 months on purchases and balance transfers, then variable 13.99% to 24.99% APR.
Why We Picked It: This card provides many ways to earn cash back on your holiday expenses.
For Your Holiday Gifts: 
There are great cash back rates at supermarkets, gas stations, and eligible department stores. Savvy shoppers can earn cash back as they stock up on party supplies, buy gifts at department stores, and fill up their gas tanks on the way home.
Drawbacks: There’s a $95 annual fee.

3. Chase Freedom 

Rewards: 5% cash back on up to $1,500 in quarterly purchases in rotating spending categories; 1% cash back on other purchases.
Signup Bonus: $150 bonus cash back if you spend $500 in the first three months, and $25 bonus if you add your first authorized user and make your first purchase within the same three-month period.
Annual Fee: $0
APR:
0% APR for 15 months on purchases and balance transfers, then variable 15.99% to 24.74% APR.
Why We Picked It: 
Gifts purchased at Walmart and department stores can earn a lot of cash back.
For Your Holiday Gifts: Through December, purchases at Walmart and department stores earn 5% cash back. Plus, you can earn an extra 1% to 15% cash back by shopping with participating merchants with Shop through Chase, Chase’s online marketplace.
Drawbacks: 
This card requires you to track and activate quarterly bonus categories.

4. Citi Double Cash Card

Rewards: 1% cash back upon purchase and an additional 1% upon payment.
Signup Bonus: 
None
Annual Fee:
$0
APR:
0% APR for 18 months on balance transfers, then variable 14.49% to 24.49% APR; variable 14.49% to 24.49% APR on purchases.
Why We Picked It: 
You can earn double cash back on all purchases.
For Your Holiday Gifts: Purchases earn 2% cash back once they’re paid off, so you can earn a great cash back rate on every gift you buy. With Citi’s Bonus Cash Center, you can earn extra cash back or get discounts from hundreds of merchants.
Drawbacks: 
Purchases won’t earn 2% cash back until they’re fully paid off.

5. Capital One QuicksilverOne Cash Rewards Credit Card

Rewards: 1.5% cash back on all purchases.
Signup Bonus:
None
Annual Fee:
$39
APR:
Variable 24.99% APR on purchases and balance transfers.
Why We Picked It: 
Shoppers with fair credit can earn solid cash back on every purchase.
For Your Holiday Gifts: All purchases for the holidays (and beyond) automatically earn 1.5% cash back, with no hoops to jump through. This card is available to consumers with fair credit, making it more attainable than many other cash back rewards cards.
Drawbacks: There’s an annual fee and a high minimum APR.

6. Amazon Prime Rewards Visa Signature Card 

Rewards: 3% cash back at Amazon.com (5% with Amazon Prime); 2% cash back at restaurants, gas stations, and drugstores; and 1% cash back on other purchases.
Signup Bonus:
$70 Amazon.com gift card upon approval.
Annual Fee:
$0
APR:
Variable 15.24% to 23.24% APR on purchases and balance transfers.
Why We Picked It: 
With rewards at Amazon.com and more, online shoppers get a lot of value from this card.
For Your Holiday Gifts: The card earns rewards for all purchases, with special rates at Amazon.com, restaurants, gas stations, and drug stores. Your rewards are redeemable for future Amazon.com purchases and gift cards, which can help you cross more items off your gift list. You’ll instantly get a bonus $70 Amazon.com gift card upon approval.
Drawbacks: 
If you don’t like Amazon.com, this card isn’t right for you. 

How to Choose a Card for Holiday Gifts

You should choose a credit card that rewards the gifts you tend to buy. If you shop for gifts at a specific merchant type, identify the cards that specifically reward those purchases. If you tend to buy gifts at many different merchants, you might be better off with a card that has a flat cash back rate everywhere.

Cash back rewards can be redeemed for bank account deposits or statement credits, but some cards let you redeem for gift cards and merchandise. The latter option can help you add to your gift inventory, but make sure you aren’t losing any value with this redemption type.

Lastly, you should check if a card issuer has a merchant network, as such networks offer additional ways to earn rewards and discounts.

What Credit Is Required for a Holiday Shopping Card?

There are cash back rewards cards available to shoppers with all types of credit scores. Before you apply for a card, you should check its credit requirements to make sure you measure up. You can check your credit report free at Credit.com.

Image: andresr

At publishing time, the Discover it Card, Blue Cash Preferred Card from American Express, Chase Freedom, Citi Double Cash Card, and Capital One QuicksilverOne Cash Rewards Credit Card are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. 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 6 Cash Back Credit Cards for Holiday Shopping appeared first on Credit.com.

How the Discover it Miles Card Can Help You Afford Next Year’s Vacation

Tricks-for-vacation-moped

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

If you’re already daydreaming about next year’s vacation, take notice: the Discover it Miles credit card could help you make it happen. Discover’s flexible rewards program and impressive sign-up bonus can take a big bite out of your travel expenses.

Here’s how you can use the Discover it Miles card to splurge on an epic vacation next year.

All Purchases Earn Miles

To save on your trip, you’ll need to earn miles, which can be redeemed for travel expenses.

All purchases automatically earn 1.5 miles per dollar, with no confusing restrictions or spending categories to keep tabs on. You also have the opportunity to earn additional miles when shopping at more than 100 merchants on the Discover Deals platform.

Miles are unlimited and don’t expire as long as your account stays open. You can even earn miles using mobile wallets, as the card is compatible with Apple Pay, Android Pay, and Samsung Pay.

If you begin earning miles now, you’ll have a head start saving up for your vacation.

The First-Year Matching Bonus

Here’s how Discover can really make a big difference on your next trip.

After the first 12 consecutive billing periods, Discover will match all the miles you’ve accrued, posting them to your account within a month or two. This automatically doubles the miles you earn. Essentially, you’ll be earning three miles per dollar (rather than 1.5) for a full year.

After you make a year’s worth of purchases and receive your first-year matching bonus, you should have a sizeable stockpile of miles to redeem for your trip.

Redeeming Miles for Your Vacation

Redeeming miles is simple and flexible. You won’t have to deal with special travel booking platforms, and you aren’t limited to certain travel providers.

You can redeem miles at any time for travel purchases made on your card within the past 180 days. Simply select the desired purchase(s) you wish to redeem for, and your miles will be posted in the form of a statement credit.

Qualifying travel purchases include airline tickets, hotel rooms, car rentals, cruises, local and public transportation, and more. There are no blackout dates.

One mile has a cash value of one cent, so every 100 miles is worth $1 in travel redemption.

The Costs

The card has no annual fee. There’s an introductory 0% annual percentage rate (APR) on purchases for 14 months, and then a variable 11.99% to 23.99% APR applies. Balance transfers get an introductory 10.99% APR for 14 months for transfers that post to the account by January 10 in 2018, after which the standard purchase APR applies.

Balance transfer fees are 3% of the transfer amount, and there are no foreign transaction fees.

How to Use the Card to Your Advantage

The quickest way to earn miles is to use your card for all your everyday purchases. That way, you’ll earn miles as you spend and get rewarded with a big sign-up bonus after a year.

Of course, you should always try to pay down your balance in full each month. Miles are great, but they aren’t much help if you can’t afford to make timely payments. And even though you won’t incur interest on purchases for 14 months, you don’t want your balance to become unmanageable.

When booking your next vacation, timing is important. You don’t want to make travel purchases too early, as your miles can only be redeemed for purchases made in the last 180 days. If you plan on making travel purchases ahead of time and redeeming miles later, make sure to check your calendar first. Keep in mind that the first-year matching bonus may take a month or two to show up.

Discover also provides up to $500,000 in flight accident insurance and up to $25,000 in auto rental insurance. So feel free to decline the extra insurance offered at the car rental agency.

If the Discover it Miles card isn’t right for you, review our other featured travel rewards credit cards. But before you apply for any credit card, you should be reasonably confident that you will be approved, as hard inquiries can lower your credit score. Review your credit report for free on Credit.com for the best chance of successful approvals.

Image: istock

At publishing time, the Discover it Miles card is offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of 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 How the Discover it Miles Card Can Help You Afford Next Year’s Vacation appeared first on Credit.com.

4 Credit Cards That Help Grandparents Spoil Their Grandkids

Will Your Grandchildren Ruin Your Retirement?

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

Spoiling your grandkids can get expensive, especially if you’re on a fixed income. But some credit cards can help out financially, earning rewards as you treat your grandchildren to ice cream or take them out on adventures.

Here are four credit cards that can help you spoil your grandchildren.

1. Blue Cash Preferred by American Express

Rewards: 6% cash back on up to $6,000 in annual US supermarket purchases (1% cash back on purchases beyond that threshold); 3% cash back at US gas stations and select department stores; and 1% cash back on other purchases.
Sign-Up Bonus: $200 bonus statement credit if you spend $1,000 in the first three months.
Annual Fee: $95
Annual Percentage Rate (APR):
0% APR for 12 months on purchases and balance transfers, then variable 13.99% to 24.99% APR.
Why We Picked It: This card offers a well-rounded variety of ways to earn cash back as you spend.
For Your Grandkids:
There are special cash back rates at supermarkets, gas stations, and eligible department stores. That means you’ll earn a lot of cash back whether you’re stocking up for a family dinner, driving your grandkids around town, or picking up some cute kids’ outfits.
Drawbacks: There is a $95 annual fee.

2. Chase Freedom Unlimited

Rewards: 1.5% cash back on every purchase.
Sign-Up Bonus: $150 bonus cash back if you spend $500 in the first three months.
Annual Fee: $0
APR:
0% APR for 15 months on purchases and balance transfers, then variable 15.99% to 24.74% APR.
Why We Picked It: Every purchase earns the same dependable cash back rate.
For Your Grandkids: 
Every purchase you make (including grandchild-related expenses) earns 1.5% cash back.
Drawbacks: There are higher cash back rates available, especially if you’re willing to keep track of spending categories.

3. Citi Thank You Premier

Rewards: Three points per dollar spent on travel, including at gas stations; two points per dollar spent on dining and entertainment; and one point per dollar spent on other purchases.
Sign-Up Bonus: None
Annual Fee: $0 the first year, then $95.
APR: 
Variable 15.49% to 24.49% APR.
Why We Picked It: You can earn rewards as you take your grandkids on adventures.
For Your Grandkids: 
You’ll earn triple points on travel expenses (including gas), double points on dining and entertainment (including movie theaters, amusement parks, museums, and sporting events), and single points on everything else. If you’re out on the town with your grandkids, you’ll have plenty of opportunities to earn points, which can be redeemed for travel, merchandise, gift cards, and more.
Drawbacks: If you tend to entertain your grandkids at home, this card won’t offer as much value.

4. US Bank Cash Plus Visa

Rewards: 5% cash back on up to $2,000 in quarterly purchases for two categories of your choosing; 2% cash back on one category of your choosing; and 1% cash back on other purchases.
Sign-Up Bonus: For one year, eligible purchases earn an additional 0.5% cash back.
Annual Fee: $0
APR: 
Variable 14.99% to 23.99% APR on purchases; 0% APR for 12 months on balance transfers made within 60 days of account opening, then variable 14.99% to 23.99% APR.
Why We Picked It: This card gives you the power to choose how you’ll be rewarded for purchases.
For Your Grandkids:
Every quarter, you have the option to pick one 2% cash back category (current options are gas, dining, or grocery stores) and two 5% cash back categories (including sporting goods stores, movie theaters, electronics stores, bookstores, and more). This means you can tailor your cash back rewards to your grandchild’s hobbies or your favorite family activities. You can also switch categories each quarter, which means you can adjust as your grandkids grow.
Drawbacks: You’ll have to remember to choose your special cash back categories every quarter.

How to Choose a Card to Spoil Your Grandkids

Ultimately, the best card for spoiling your grandkids depends on how you spend on them. If you like to pick up random gifts here and there, a basic cash back card might be a good choice. If you take your grandkids on road trips or out on the town, a card that specifically rewards gas or entertainment might be a better fit.

If you plan to use your card for purchases unrelated to your grandkids, make sure to choose a card that will also reward those spending habits—especially if your “grandchildren budget” adds up to only a fraction of your total spending. 

What Credit Is Required for a Credit Card for Grandparents?

The best cash back and rewards cards will require good or excellent credit. You should check your credit before you apply, and submit an application only if you have a good chance of approval. That’s because a hard inquiry from a credit card application can ding your score a few points. You can check your credit report free at Credit.com. 

Image: istock

At publishing time, the Blue Cash Preferred Card from American Express and Chase Freedom Unlimited cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. 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 Help Grandparents Spoil Their Grandkids appeared first on Credit.com.

Our Top 5 Credit Card Picks for Fall Landscaping Projects

A summer garden can be a wonderful hobby and investment when you follow these money saving tips!

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

With cooler weather and better planting conditions, fall is the perfect time of year for a landscaping project. But whether you’re sprucing up your garden or aiming to improve your home’s curb appeal, the expense of a large outdoor project can be daunting.

Some credit cards can help, offering you ways to earn cash back or avoid paying interest on your purchases.

Here are five credit cards for your fall landscaping project.

1. Citi Simplicity

Rewards: None
Sign-Up Bonus: None
Annual Fee: $0
Annual Percentage Rate (APR): 0% APR for 21 months on purchases and balance transfers, then variable 14.99% to 24.99% APR.
Why We Picked It: Citi offers the lengthiest 0% intro APR period we’ve seen.
For Your Outdoor Project: 
You can avoid paying interest on your landscaping purchases for almost two years. That’s a long time to pay off your project.
Drawbacks: 
There are no rewards offered with this card.

2. Home Depot Consumer Credit Card

Rewards: None
Sign-Up Bonus: None
Annual Fee: $0
APR: 0% intro APR for up to 24 months on qualifying purchase types, then variable 17.99% to 26.99% APR based on your credit.
Why We Picked It: Home Depot offers both the supplies you need and the card (reviewed here) that can help you afford them.
For Your Outdoor Project: 
Home Depot purchases of $299 or more get six months of 0% APR. Various purchase types, including pergolas, snow blowers, and siding, can qualify for up to 24 months of 0% APR. Cardholders can also access special discounts and have one year to make returns, which is nine months longer than Home Depot’s standard policy.
Drawbacks: 
If you don’t shop at Home Depot, this card isn’t right for you.

3. Chase Freedom Unlimited

Rewards: 1.5% cash back on every purchase.
Sign-Up Bonus: $150 bonus if you spend $500 in the first three months.
Annual Fee: $0
APR: 0% APR for 15 months on purchases and balance transfers, then variable 15.99% to 24.74% APR.
Why We Picked It: This well-rounded card offers a solid cash back rate on every purchase, a nice little sign-up bonus, and a long period of interest-free purchases.
For Your Outdoor Project: 
All of your landscaping purchases will automatically earn 1.5% cash back automatically, and you get 15 months to avoid interest as you pay off your project. It should also be easy to meet the spending requirement for the sign-up bonus.
Drawbacks: There are higher cash back rates available with other cards.

4. Lowe’s Advantage Card 

Rewards: None
Sign-Up Bonus: None
Annual Fee: $0
APR: 0% intro APR for qualifying purchase types, then variable 26.99% APR.
Why We Picked It: Loyal Lowe’s shoppers have many ways to save on their landscaping projects.
For Your Outdoor Project: 
When you apply for a Lowe’s credit card, you can choose to receive 5% off all qualifying Lowe’s purchases or six months of 0% APR on purchases of $299 or more. Lowe’s also offers up to 36 months of low-interest financing on certain purchases; for instance, riding lawn mowers currently get 1.99% APR for 36 months.
Drawbacks: You have to choose between saving on every purchase or avoiding interest. 

5. Discover it – Cashback Match

Rewards: 5% cash back on up to $1,500 of purchases in quarterly bonus categories; 1% cash back on other purchases.
Sign-Up Bonus: Discover will match all cash back earned in the first year.
Annual Fee: $0
APR: 0% APR for 14 months on purchases and balance transfers, then variable 11.99% to 23.99% APR.
Why We Picked It: You can earn 5% cash back on your landscaping supplies if you get them from the right merchants.
For Your Outdoor Project: For October through December this year, the card’s 5% cash back bonus category is Target and Amazon.com purchases. You should be able to get at least some of your landscaping needs from these merchants, earning a great cash back rate as you spend.
Drawbacks: 
The card’s “home improvement store” bonus category, which would have been ideal, has already passed by this year.

Choosing a Card for Your Landscaping Project

General cash back cards without merchant restrictions will be suitable for a project that involves purchases at many different stores (or if you want a card you can also use for everyday spending). But if you’re sourcing your project at one type of store, you may want to look for a card that offers a special cash back rate at that merchant type.

If you’re after a 0% intro APR offer, you should start by estimating the cost of your project. Choose a card with a payback period that gives you enough time to pay off your estimated project cost in full before it expires. Otherwise, you’ll be hit with interest when the intro period is up.  

What Credit Is Required to Get a Card for My Landscaping Project?

Credit cards with cash back rewards and 0% intro APR offers often require good to excellent credit. Store-specific credit cards might be easier to qualify for, but they generally don’t hold as much long-term value. Before you apply for a card, you should be confident in your chances of approval. You can check your credit report for free at Credit.com.

Image: AleksandarNakic

At publishing time, the Citi Simplicity, Chase Freedom Unlimited, and Discover it cards are offered through Credit.com product pages, and Credit.com is compensated if our users apply for and ultimately sign up for any of these cards. 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 Our Top 5 Credit Card Picks for Fall Landscaping Projects appeared first on Credit.com.