Brendan is a personal finance journalist for Bankrate who writes informative and educational content about credit cards and building credit. He works on content specifically geared toward users with bad or fair credit, and about credit cards with low-interest or 0 percent APR offers.
Debt is an uncomfortable situation that nearly half of Americans experience, and I try very hard to avoid it. I never spend more than I can pay off in a single billing cycle, even if it means trimming my grocery haul or my Amazon cart. If I ever choose to borrow money that isn’t going to come in on my next paycheck, it’s probably not a wise financial decision. I want to give myself plenty of breathing room for emergency spending.
“"The road to excellent credit is paved with good credit habits."”
Each quarter, you can pick two categories from a list of 12 to earn 5 percent cash back in on up to $2,000 in combined purchases per quarter, making it a truly custom rewards plan.
Secured cards rarely have a balance transfer offer, but this one does.
Marriott loyalists searching for a hotel card with mid-tier travel benefits will find a lot to consider with the Marriott Bonvoy Bevy Amex card.
There's a lot of points-earning power with the IHG Rewards Club Select Credit Card, but very few mid-range hotels to choose from.
What is an adjusted balance, and how does it affect how much you pay in interest?
USAA members hoping to build credit could be in luck with this card.
An easy-to-use, flat-rate rewards card with no annual fee and a modest rewards rate of 1.5% cash back on all purchases.
Rewards and benefits aren’t bountiful for a premium card, but The Business Green is Amex’s most accessible business card.
