Credit cards can save you thousands from:
• free insurance
• travel protections
• purchase protections
• raising your credit score
• reward points & cash back
Here are 5 credit cards everyone should own (and use responsibly) with NO annual fee:
• free insurance
• travel protections
• purchase protections
• raising your credit score
• reward points & cash back
Here are 5 credit cards everyone should own (and use responsibly) with NO annual fee:
1) The Chase Freedom Credit Card:
• $0 Annual Fee
• Trip delay or cancellation insurance
• 5% cash back rotating categories each quarter
• 3% on dining & drugstores
• 5% on travel
• $0 Annual Fee
• Trip delay or cancellation insurance
• 5% cash back rotating categories each quarter
• 3% on dining & drugstores
• 5% on travel
2) The American Express Blue Cash Credit Card:
• $0 Annual Fee
• Purchase protection
• 3% Cash Back on U.S. online retail purchases
• 3% Cash Back at U.S. supermarkets
• 3% Cash Back at U.S. gas stations
• 1% cash back on all other purchases
• $0 Annual Fee
• Purchase protection
• 3% Cash Back on U.S. online retail purchases
• 3% Cash Back at U.S. supermarkets
• 3% Cash Back at U.S. gas stations
• 1% cash back on all other purchases
3) The Costco Anywhere Credit Card:
• Travel accident insurance
• 4% cash back on gas and EV charging
• 3% cash back on travel, hotel and rental cars through Costco Travel
• 3% on restaurants
• $0 Annual Fee (with Costco membership)
• Travel accident insurance
• 4% cash back on gas and EV charging
• 3% cash back on travel, hotel and rental cars through Costco Travel
• 3% on restaurants
• $0 Annual Fee (with Costco membership)
4) The Capital One SavorOne Credit Card:
• $0 Annual Fee
• 10% cash back on purchases made through Uber & Uber Eats
• 8% cash back on entertainment
• 5% cash back on hotels & rental cars
• 3% cash back on dining, entertainment, popular streaming services & grocery stores
• $0 Annual Fee
• 10% cash back on purchases made through Uber & Uber Eats
• 8% cash back on entertainment
• 5% cash back on hotels & rental cars
• 3% cash back on dining, entertainment, popular streaming services & grocery stores
5) The Dave Ramsey Credit Card (for people bad with credit cards):
• Automatically declined everywhere
• $0 Credit Limit
• Automatically declined everywhere
• $0 Credit Limit
A) Credit Card "Hack":
If you have a child — add your child to the card as an authorized user, and pay your bills on time.
When your kid turns 18 they should have an 800+ credit score.
With great credit, they can get a rental property and house hack — early on in life.
If you have a child — add your child to the card as an authorized user, and pay your bills on time.
When your kid turns 18 they should have an 800+ credit score.
With great credit, they can get a rental property and house hack — early on in life.
B) Tip to Increase Your Credit Score:
The easiest way to raise your credit score is by lowering your credit utilization.
You can boost your score by using less than 30% of your total credit line.
Asking for higher credit card limits can help with this (if you don't use it).
The easiest way to raise your credit score is by lowering your credit utilization.
You can boost your score by using less than 30% of your total credit line.
Asking for higher credit card limits can help with this (if you don't use it).
Use credit responsibly — Never charge anything you can't pay back in 30 days!
Always pay your credit cards in full — Never let credit card companies make a dollar off of you.
Credit cards offer many benefits that debit cards don't — rewards points & cash back are "free money".
Always pay your credit cards in full — Never let credit card companies make a dollar off of you.
Credit cards offer many benefits that debit cards don't — rewards points & cash back are "free money".
What's your favorite credit card?
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If you found this post helpful, please:
• RT the FIRST post to share it🔁
• Follow me @FluentInFinance
• Sign-up for my newsletter: TheMoneyNewsletter.com for more!
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