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Christina Majaski
Christina Majaski has written for online and print publications since 2003 on topics related to personal finance, legal matters, parenting, and careers. She lives in the Minnesota tundra, where in her free time she enjoys reading, writing, interacting via social media, and hanging out with her daughter.

Discover it® chrome Credit Card Review – 2% Cash Back on Gas & Groceries

By Christina Majaski

discover it chromeDiscover it® chrome is the newest addition to the Discover card family, providing an alternative to its current rewards card opportunities.

Chrome includes many of the benefits that Discover cards are known for, such as low fees and a slightly different reward structure than is standard for cash back on gasoline and grocery store purchases.

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Key Features

  • 2% Rewards on Gas & Groceries. The Discover it chrome credit card awards 2% cash back on up to $1,000 in gasoline and grocery store purchases every quarter. Quarters begin on the first day of January, April, July, and October. All other purchases (and purchases made after the $1,000 cap) earn an unlimited 1% cash back. Cash back rewards do not expire.

Discover it® Credit Card Review – 5% Cash Back Rewards

By Christina Majaski

discover itDespite being popular among college students and consumers interested in cash back benefits, the now discontinued Discover More card did have a couple of minor downfalls, including the fact that you could only earn 0.25% cash back on the first $3,000 spent outside of bonus categories. The Discover it® Card just may provide solutions to these issues while still hanging onto one of the greatest benefits of the Discover More card: 5% cash back rewards.

At first glance, the “it” card may seem to have addressed all the disadvantages of its predecessor – but is it in fact the ideal cash back card, or are we looking at yet another credit card that has its own unique set of flaws?

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Discover it® Card for Students – Review

By Christina Majaski

discover itStudent credit cards are designed to assist college students with little or no credit history in getting somewhat of a jump on building their own credit. However, in order to avoid establishing bad spending habits and lifetimes of debt, these cards need to be low-fee, low-interest rate credit cards – which is not always possible with cards that also provide rewards programs. The Discover it® for Students succeeds in addressing these needs.

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Discover it® chrome Credit Card for Students – Review

By Christina Majaski

discover it chromeDiscover Card has included two new credit cards: the Discover it chrome and Discover it chrome for Students. The Discover it® chrome for Students includes features commonly found with Discover cards, such as the benefit of low fees and a rewards program for earning cash back on purchases.

However, the biggest difference between the Discover it for Students and the chrome version is that chrome offers a different and possibly better rewards program.

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Key Features

  • Fees. There is no annual fee for the Discover it chrome for Students card. The balance transfer fee is 3%. There is no foreign transaction fee.

The Business Gold Rewards Card from American Express OPEN – Review

By Christina Majaski

american express business gold rewardsPlenty of credit cards and charge cards are designed to help small business owners earn rewards for their purchases. However, the value of the card you choose depends on the specific needs of your operation.

The Business Gold Rewards Card from American Express OPEN rewards both travel and business-related purchases. And, because it’s a charge card, no preset spending limits or interest charges are imposed as long as you pay your balance in full each month.

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Key Features

  • Sign-up Bonus. If you spend $5,000 within your first three months, you are awarded a bonus of 25,000 Membership Rewards points – redeemable for $250 in gift cards.

Business Green Rewards Card from American Express OPEN – Review

By Christina Majaski

american express business green cardThe Business Green Rewards Card from American Express OPEN (a Money Crashers partner) is one of the most recognized business charge cards on the market. That, plus a basic program for earning Membership Rewards points on travel purchases, makes it a great beginner option for fledgling operations.

Keep in mind that a charge card, unlike a credit card, requires payment in full every month, which means you cannot carry a balance.

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Key Features

  • Sign-up Bonus. You earn 5,000 Membership Rewards points, worth $50 in gift cards, when you make your first purchase within one year of approval.

10 Best Travel Rewards Credit Cards – Reviews & Comparison

By Christina Majaski

passport travel credit cardsMany of the first rewards cards were credit cards that offered “miles” for purchases, which could be saved and used for purchasing airline tickets. Nowadays, flight restrictions and requirements on travel rewards cards don’t always result in dream vacations.

As a result, many travel rewards cards now award purchases with not only miles, but opportunities for cash back. These options are especially important if you are not a frequent flyer, but still want to carry a travel rewards card. If you fit this description, here are some of the best travel rewards credit cards to meet your needs.

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4 Best Credit Cards for College Students – Reviews & Comparison

By Christina Majaski

college student credit cardWhile college students may need their own credit cards for a number of reasons, the most important reason is to establish and build a positive credit history. However, if handled improperly, credit cards can have an extremely negative impact, and can result in an overwhelming mountain of debt.

As a student, it’s important to choose a credit card that you can easily manage. Furthermore, you must restrain yourself from overspending, and always pay your balances in full and on time. The best options on the market have minimal fees, yet provide student-friendly benefits, as well as excellent opportunities to build credit.

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5 Best Secured Credit Cards to Rebuild Credit – Reviews & Comparison

By Christina Majaski

secured credit cards cashIt’s not easy to repair damaged credit after a series of missed payments or bankruptcy, but with the help of a secured credit card, it is possible. And while secured credit cards sometimes have a bad reputation for having heavy fees and high interest rates (which can exacerbate debt), the right card can help you build your credit history.

When choosing a secured credit card, it is important to pay attention to fees, and verify that your payment history will be reported to the credit bureaus. Prepaid cards function similarly to debit cards – therefore, your usage of a prepaid card is not reported to the bureaus, doing nothing to improve your credit.

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9 Best Low APR Interest Credit Cards – Reviews & Comparison

By Christina Majaski

credit cards walletIf you regularly carry credit card balances, it is important that you choose a credit card featuring a low interest rate, rather than a rewards credit card. Rewards cards generally have high APRs, and should only be used by those who can pay off the entire balance each month.

Many low interest options are simple, “plain vanilla” credit cards designed to allow you to make purchases and transfer balances without paying a significant amount of interest. However, some low interest cards buck industry trends and offer small bonuses and rewards programs. Here are a number of the best low APR cards available based both on the rates they charge and the rewards they offer.

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8 Best Cash Back Credit Cards – Reviews & Comparison

By Christina Majaski

credit card cash pocketAmong rewards credit cards, cash back cards are the most popular. Instead of offering bonuses that can only be redeemed for airline miles or hotel stays, cash back cards reward you for your purchases with actual cash that, for the most part, can be used however you like.

An important factor in determining which cards are the best cash back credit cards is how much cash is received per dollar spent, and whether it is possible to earn enough cash back to compensate for the cost of carrying the credit card. Keep in mind that in order to maximize your earning potential on any reward card, it is recommended that you pay your balance in full each month in order to avoid paying interest on purchases.

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10 Best Hotel Rewards Credit Cards – Reviews & Comparison

By Christina Majaski

hotel stayThe best hotel credit cards reward purchases with free nights in hotels while also providing extra perks and annual bonuses that make choosing a particular hotel brand more comfortable. Special amenities such as free breakfasts, free room upgrades, and free Internet service – in addition to the opportunities to earn free night stays – often compensate for fees the card may charge. Considering these benefits, hotel credit cards can be worth several hundred dollars.

Of course, not all hotel credit cards are created equal. If you travel frequently, ensure that you get the best possible deal by selecting one of the very best hotel credit cards to earn the most free nights and the greatest perks.

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10 Best Gas Credit Cards – Reviews & Comparison

By Christina Majaski

gas pump carWhen choosing a credit card for buying gasoline, it is important to not just consider brand-specific cards, but also general credit cards that provide rewards on other purchases. By doing so, you can get the most bang for your buck. Of course, depending on your situation, a brand-specific card may be your best option – especially if you regularly purchase gas from a qualifying gas station that offers stellar rewards.

Here is a selection of the credit cards that provide the best return on your spending, both brand-specific and general rewards cards.

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11 Best Small Business Credit Cards – Reviews & Comparison

By Christina Majaski

business credit cardsIf you own a business or do freelance work, you can keep track of your expenses and earn valuable rewards with a business credit card, all while keeping any spending and earning you do separate from your personal accounts. With countless options for rewards available, the task of picking the right card for you can be a challenge.

Here is our roundup of business credit cards that offer the best rewards programs, most manageable terms, and most exciting opportunities for business owners.

Best Business Credit Cards

1. Chase Ink Plus® Business Card

50,000 Point Sign-up Bonus; 5 Points on Office Supply Purchases; 2 Points on Gas and Hotels; Airport Lounge Access

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USAA Cash Rewards American Express Card Review – 2.25% Cash Back on Gas & Groceries

By Christina Majaski

usaa cash rewards amexBoth the USAA Rewards American Express Card and the USAA Cash Rewards American Express Card feature programs that award points for gasoline and grocery purchases. The primary difference between them is the rewards themselves. When you make purchases with the Rewards American Express card you earn points, and with the Cash Rewards card, you receive cash back.

If you are a servicemember of the U.S. armed forces – or are related to one – the many benefits offered by the USAA Cash Rewards American Express may be right for you.

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