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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.

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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USAA Cash Rewards World MasterCard Review – 1.25% Cash Back on All Purchases

By Christina Majaski

usaa cash rewards mastercardSimilar to the USAA World MasterCard, the USAA Cash Rewards World MasterCard rewards all purchases at a flat rate. This frees you from specific spending categories and allows you to earn rewards on everything you buy. However, instead of earning points, you earn a cash back percentage of what you spend. This card and program are also available through Visa with the USAA Cash Rewards Visa Card.

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Key Features

  • Fees. There is no annual fee. Balance transfers are 3% of the amount transferred up to a maximum fee of $200. Foreign transactions are 1%.

USAA Rate Advantage MasterCard Review – Low APR Credit Card for Military Members

By Christina Majaski

usaa rate advantage mastercardThe USAA was established in 1922 by Army officers who wanted to self-insure one another, as they were perceived as a high-risk group and couldn’t secure standard auto insurance. Since then, the USAA has developed into a diversified group of financial services companies. The USAA Rate Advantage MasterCard, its plain vanilla credit card, is a great option because of its low rates and fees.

If you are affiliated with the military or a family member of a qualifying member, this just may be the right credit card for your wallet.

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USAA American Express Rewards Credit Card Review

By Christina Majaski

usaa american express rewards cardUSAA provides many financial products to service members, their families, and those affiliated with the military – and credit cards are among the most popular of them. The USAA American Express Rewards Card features a low-interest opportunity and a rewards program for earning significant points on gasoline and grocery purchases. If you qualify, you may want to give serious thought to the USAA Rewards American Express card.

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Key Features

  • Sign-up Bonus. When you make your first purchase you receive a bonus of 2,500 points, which is worth $25 if redeemed for airfare.

USAA Military Affiliate Credit Card Review

By Christina Majaski

usaa military affiliate cardsUSAA provides a number of USAA Military Affiliate Cards that feature logos and emblems, allowing you to showcase your pride in hundreds of organizations. These organizations fall within all military branches: Army, Air Force, Navy, Marines, Coast Guard, and veteran’s groups such as The American Legion and Jewish War Veterans of the United States. Many of these cards are available through both American Express and World MasterCard – which one you choose depends mainly on how you intend to use it.

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Key Features

  • Sign-up Bonus. When you make your first purchase, you earn a bonus of 2,500 points which can be redeemed for $25 in airfare.
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