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2016 TJ Maxx Credit Card Review – CardHub Editors

TJ Maxx Credit Card Review

Rating: 514.54.5 / 5

The Verdict: If you like taking things to the Maxx, including your shopping list, you’re going to love the TJX Rewards Credit Card — thanks to the 10% online discount that you’ll receive on the day of account opening and the 5 points that you’ll earn for each $1 spent at T.J.Maxx, Marshalls, HomeGoods, Sierra Trading Post and tjmaxx.com. Plus, there’s no annual fee.

2016 PlayStation Credit Card Review – CardHub Editors

Playstation Credit Card Review
Rating: 514.74.7 / 5

The Verdict: The Sony PlayStation Visa Credit Card from Capital One won’t really help you save on everyday expenses like gas and groceries, which makes it ill-suited to be your primary spending vehicle. But it can save you a bundle on gaming and entertainment expenses, in addition to perhaps helping you avoid undue aggravation if you have a teenager in the house.

2016 Discover it Student Card Review – CardHub Editors

Discover-it Student Card Review

Rating: 514.74.7 / 5

The Verdict: As a student (or perhaps a concerned parent) looking for a credit card, your top priority should be to find a no-annual-fee offer for which you have a high likelihood of approval. Beyond that, some rewards for using the card or 0% financing would be nice.

2016 Cabela’s Credit Card Review – CardHub Editors

Cabelas Credit Card Review

Rating: 512.32.3 / 5

The Verdict: Cabela’s may help outfit you for outdoor excursions, but the Cabela’s Club Visa Credit Card won’t do anything extraordinary to help you save. You’ll receive a $25 discount the day of account opening, plus the ability to earn another $10 by making five non-Cabela’s purchases within 30 days of account opening. Beyond that, you’ll earn the points equivalent of 1% cash back — just slightly below the average earning rate for a rewards card — on all purchases except those at Cabela’s and Cenex convenience stores, which earn 2%.

2016 Priceline Credit Card Review – CardHub Editors

Priceline Credit Card Review

Rating: 5133 / 5

The Verdict: At the end of the day, there are effectively three prerequisites for getting the Priceline.com Rewards Visa Credit Card. You must:

2016 American Express Green Card Review – CardHub

American Express Green Card Review

Rating: 513.33.3 / 5

The Verdict: The American Express Green Card might at first appear luxurious given Amex’s overall cachet, its uniqueness as a charge card and perhaps even the simplicity of its name. But Amex Green won’t give you anything special relative to many other charge cards and normal credit cards for which you can expect to be approved if you have the excellent credit needed to get a Green Card. In fact, Amex Green has the potential to limit you in a few important respects.

2016 USAA Secured Credit Card Review – CardHub Editors

USAA Secured Credit Card Review

Rating: 512.82.8 / 5

The Verdict: USAA offers a pair of secured credit cards — an Amex and a Visa — that cater the exact same middle-of-the-road terms to the military families who are eligible for membership. That’s right; you need a military affiliation to get either offer. And, unfortunately, that doesn’t get you much.

2016 Banana Republic Credit Card Review – CardHub

Banana Republic Credit Card Review

Rating: 514.74.7 / 5

The Verdict: If you love Old Navy, Gap and Athleta but have a special affinity for Banana Republic, then either the Banana Republic Visa Credit Card or the Banana Republic Store Credit Card is for you, depending on your credit standing. The Visa is for people with good credit or better, whereas the store-only card accepts those with limited/fair credit. And both enable you to shop at their namesake, Banana Republic, in addition to the trio of aforementioned retailers. Both also offer terms identical to Old Navy’s and Gap’s own cobranded credit cards, which can in turn be used at Banana Republic.

2016 Apple Barclaycard Review – CardHub Editors

Apple Barclaycard Review

Rating: 5133 / 5

The Verdict: The Apple logo is a strong signal of quality for many consumers and provides sufficient reason for some to buy anything. But should such logic apply to your choice of credit card?

2016 Bank of America Cash Rewards Credit Card Review

Bank of America Cash Rewards Review

Rating: 5144 / 5

The Verdict: The BankAmericard Cash Rewards Credit Card is an attractive everyday spending vehicle for people with excellent credit. Things begin on a positive note, with no annual fee to worry about and the ability to earn a $100 initial bonus for spending just $500 in the first 90 days after account opening. Plus, you’ll have access to 0% financing on new purchases and balance transfers for the first 12 months.

How To Build Business Credit: Tips & FAQs

How to Build Business Credit

Don’t lose any sleep over your small business credit standing. Its importance pales in comparison to your personal credit due to a combination of murky liability rules for business-branded loans and lines of credit and the business-to-business nature of corporate commerce.

For starters, little differentiation exists between business and personal finances as far as credit bureaus are concerned. It’s a different story for large corporations, which have certain other forms of credit at their disposal, but all major credit card companies use personal credit data to make small business credit card approval decisions. They also relay monthly account information to cardholders’ personal credit reports and hold them personally liable for unpaid balances. Small business loan underwriting is based primarily on personal credit as well.

The Best Way to Pay Off Debt: Which Debt to Pay First & More

Best Way To Pay Off Deb7

It’s common for indebted consumers to hold multiple balances with various creditors. In such a situation, it’s fair to wonder which debt you should prioritize. Here are the basic steps that you should follow:

  1. Stop the Bleeding: This step is crucial, as it includes two important components. First, it’s important to curtail all unnecessary spending in order to devote as much financial firepower as possible to your debt situation. Second, you need to get caught up on minimum payments in order to mitigate the credit score damage that comes with being classified as delinquent.
  2. Attempt to Lower Your Interest Rates: Whether through a balance transfer, debt consolidation or a debt management plan, it’s important that you at least try to minimize the finance charges that you pay and thereby ease your path to debt freedom.
  3. Build an Emergency Fund: Without an emergency fund of at least a couple months’ take-home, even if you pay off all of your balances you’ll only be a lay off or market crash away from ending up right back where you started – mired in debt.
  4. Pay Off Your Highest-Rate Balances First: Some people will recommend focusing on your smallest balances, but getting rid of your most expensive debt first will save you both money and time.
  5. Explore Other Debt Solutions (If Necessary): If scrimping and saving aren’t enough to get you out of the hole, you may need to look into other options like debt settlement or even bankruptcy.

Now that you know the general roadmap to debt freedom, let’s take a closer look at each of these objectives. Afterward, make sure to check out our Ask The Experts Section for additional insights into how to get out of debt and stay out for good.

2016 Discover Secured Credit Card Review – CardHub

Discover Secured Credit Card Review

The Verdict: The Discover it Secured Credit Card is the it family’s credit-(re)building specialist, and it’s superb at the task.

That’s because it’s one of only 11 “bad credit” credit cards with no annual, monthly or processing fees and one of only nine that offer rewards. You’ll earn 2% cash back on the first $1,000 that you spend at restaurants and gas stations each quarter as well as 1% on everything else. Better still, Discover will double whatever rewards you rack up during the first year your account is open.

2016 JetBlue Credit Card Review – CardHub Editors

JetBlue Credit Card Review

Rating: 513.63.6 / 5

The Verdict: JetBlue is 2016’s second-best airline in terms of operations and amenities — tops in terms of comfort — and its rewards program, TrueBlue, was also named 2016’s best for frequent flyers by CardHub. But it’s important to recognize that such accolades don’t guarantee quality plastic.

Black Card Review – CardHub Editors

This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.
Black Card Review

Rating: 511.51.5 / 5

2016 Citi Secured Credit Card Review – CardHub Editors

Citi Secured Credit Card Review

Rating: 513.43.4 / 5

The Verdict: Placing a deposit on the Citi Secured MasterCard Credit Card is neither an outright mistake nor an ideal decision. You see, it’s a solid credit-building tool with the potential to help you reach a higher credit tier for only $25, as long as you use it responsibly. But that’s $25 more than what certain competing secured cards charge.

2016 PayPal Prepaid MasterCard Review – CardHub Editors

This content is not provided or commissioned by any issuer. Opinions expressed here are the author’s alone, not those of an issuer, and have not been reviewed, approved or otherwise endorsed by an issuer.
PayPal Prepaid MasterCard Review

Rating: 5122 / 5

2016 REI Credit Card Review – CardHub Editors

REI Credit Card Review

Rating: 514.54.5 / 5

The Verdict: If you shop at REI and have good or excellent credit, waste no time in adding the REI MasterCard Credit Card to your payment arsenal.

2016 Wells Fargo Secured Credit Card Review – CardHub

Wells Fargo Secured Credit Card Review

Rating: 513.53.5 / 5

The Verdict: A secured credit card is the best tool for building or rebuilding credit at the lowest possible cost. And though the Wells Fargo Secured Visa Credit Card isn’t the absolute cheapest card of its kind, it’s in the conversation.

2016 Victoria’s Secret Credit Card Review – CardHub

Victoria's Secret Credit Card Review

Rating: 5155 / 5

The Verdict: Just between you and me, the Victoria’s Secret Angel Credit Card is the best way to buy bras. Sure, I’m no lingerie expert, but I do know credit cards. Earning what equates to 12% cash back and paying nothing for shipping in the bra category is pretty huge.

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