Finance Globe

U.S. financial and economic topics from several finance writers.

Are Premium Rewards Worth the Expensive Annual Fee?

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The perks on premium rewards credit cards look great, but the high annual fee causes many people to run the other way. The annual fee on a premium rewards credit card can be as high as $550 and unlike many other types of credit cards, the annual fee isn’t waived in the first year. That means you have to start paying for the credit card right away. In some cases, what looks like a steep credit...
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Recent Comments
Wanderer
Great write up! It is often hard to compare various cards as today, banks and credit unions keep changing what the benefits are! I... Read More
Sunday, 04 November 2018 11:34
Frank
From my experience they have 100% worth it and paid for themselves many times over.
Wednesday, 21 November 2018 14:08
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3 Questions to Ask Your Credit Card Company Today

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When was the last time you reached out to your credit card company to ask a specific question? Were you happy with the answer, or left wanting more? There’s no reason to regularly contact your credit card company, but there are definitely times when it makes sense to do so. Here are three questions you should ask today: •    Is there any way to secure a lower interest rate? This is of particular importance if you...
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Frank
I would also ask if there are any new cards/bonuses going on that I may be eligible for?
Wednesday, 21 November 2018 14:05
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3 Key Things Entrepreneurs Should Look for in a Credit Card

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As an entrepreneur, keeping your finances straight can make or break your business. Using a credit card can help you organize your expenses, keeping everything in one place so it’s easier to see what you’re spending. Having a separate credit card for your business helps you keep your business and personal expenses separate. This is key when it comes to accounting and filing your taxes. Keeping your expenses separate is also important for legally protecting your...
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Frank
ability to add employer cards is critical! As you grow your business and employee base, this is a big need!
Wednesday, 21 November 2018 14:04
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Things to do if Your Credit Card Application is Denied

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When you apply for a credit card it’s your hope that you receive an instant approval. Unfortunately, this may not be the end result. It’s always possible that you could receive a denial, thus forcing you to take a few key steps in the near future. Here are five things to do if your credit card application is denied: •    Read your adverse action letter: the credit card issuer is required to send you an adverse...
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Frank
I would also add to call the credit card company. Sometimes they have give you additional insight on your denial.
Monday, 29 October 2018 11:17
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What to Look for in a Hotel Credit Card

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Most major hotel chains offer a co-branded credit card that allow you to earn points that you can use toward hotel stays. Frequent travelers can benefit from having a hotel credit card. Depending on the card you choose, you may be able to earn rewards on all your credit card purchases, not just your hotel purchases. Take a look at multiple hotel credit cards and compare them to decide which hotel credit card would best suit you. The signup...
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Frank
There is an incredible American Express Marriott/SPG credit card deal going on. I would highly recommend looking into this card if... Read More
Wednesday, 26 September 2018 14:24
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Tips and Tricks to Help Save for Your Children’s Future

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Saving for you children’s future is on every parent’s mind. Given it can be a long way away, many parents can defer their children’s savings to a later time. This is a huge mistake and can lead to an under-funded savings. Below are a few tips and tricks to help save for your children’s future.  Start as early as you can : Even its $25 a month, start saving when the baby is born. It will...
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Frank
I just started a 529 plan for my future child!
Wednesday, 26 September 2018 14:26
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How Much Does it Cost to Have a Baby?

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When a family is expecting a new baby, there is certainly a lot of emotions. Lots of excitement, joy, and likely some stress. One thing to consider and to prepare yourself for is the expected expense of having a baby. High level it is not cheap! There certainly is a lot of variation depending on where you live, the type of birth you have, and what kind of insurance you have. However below is a few...
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How to be a Sports Fan on a Budget

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With college football season about to kick off this weekend and the NFL season kicking off next weekend, many people are very excited! Football fans are very loyal to their teams and many want to enjoy the football season as much as possible. However, sports can be very expensive and you can easily blow past your budget without thinking. Below, I have put together a few tips and tricks on how to be a loyal sports...
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It May be Time to Move on to a New Credit Card

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In a perfect world, you’d obtain a credit card and use it for the rest of your life. However, as the years go by, you may come to find that the credit card you once loved is no longer what it used to be. There are times when it makes sense to move on to a new credit card. Here are a few situations that often call for a change: •    Variable rate is climbing. The...
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Frank
I have used other cards over time as new cards come to market and they are better deals. However, I never cancel my cards so I can... Read More
Wednesday, 26 September 2018 14:22
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How to Use a Store Credit Card the Right Way

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Much of the advice you read about store credit cards is that you should avoid them at all costs. The high interest rates and low credit limits aren’t the most attractive features for a credit card . Plus, if you’re not disciplined, you could be tempted to rack up more debt than you can afford to. Store credit cards aren’t all bad. The savings and rewards can be lucrative, especially for stores you already shop frequently....
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Frank
I am usually against store credit cards because the returns don't outweigh the benefits. Only in unique situations where you spend... Read More
Wednesday, 26 September 2018 14:21
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