reviews

Blue Cash Everyday® Card from American Express – Review

Unlike other rewards cards, the Blue Cash Everyday® Card from American Express (a Money Crashers partner) is specifically designed to reward you for ordinary, everyday purchases. Instead of requiring that you monitor rotating categories or make infrequent travel purchases to rack up points, it attempts to provide a simple framework to reward you for using the card – but does it deliver?

Key Features

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  • Sign-up Bonus. As a new cardholder, you earn 100 reward dollars – which translates to a $100 statement credit – if you spend $1,000 within your first three months.

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

Discover 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.

Key Features

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  • 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

Despite 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

Student 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.

Key Features

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Discover it® chrome Credit Card for Students – Review

Discover 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.

Key Features

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  • 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.

Prosper Review – Online Loan Marketplace for Peer-to-Peer Lending

prosper logoProsper, a popular peer-to-peer (P2P) lending network that offers unsecured personal loans with terms of 36 or 60 months, has embraced the sharing economy with gusto. By matching individual borrowers with individual or institutional investors willing to lend funds at competitive interest rates, Prosper cuts out the middle man (traditional banks or credit unions). Relative to those institutions, Prosper has more relaxed approval standards and faster funding times for borrowers.

The platform earns money through origination and servicing fees. Its top competitors include other P2P lenders, such as Lending Club and Peerform, and low-cost personal credit providers such as Avant, which doesn’t use the P2P model and thus isn’t available to prospective lenders.

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Lending Club Review – Peer-to-Peer (P2P) Financial Lending

Lending Club bills itself as the world’s most popular peer-to-peer (P2P) lending network. As a classic example of the emerging sharing economy, the platform connects thousands of individual and business borrowers with regular people willing to fund their loans. In doing so, it eliminates the need for borrowers to approach traditional banks and credit unions – whose lending standards may be much more stringent than Lending Club’s – to obtain financing.

For investors, Lending Club offers the opportunity to create diversified portfolios that aren’t directly tied to bond markets. Its investments offer better yields than CDs, money market accounts, and savings accounts, though it’s critical to note that the investments are not FDIC-insured.

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What’s the Best Online Tax Preparation Software? TaxACT vs TurboTax vs H&R Block

filing taxes onlineEven if you’re expecting a sizable refund or have a simple tax situation that doesn’t require you to fill out a ton of forms, you probably don’t love filling out your taxes. There are plenty of more enjoyable ways to spend your time: playing with your kids, going on a hike, even shopping online in anticipation of your tax refund.

This year, it took me a lot longer than I would have liked to complete my tax return. But, to be fair, that’s because I sampled several different online tax preparation options and evaluated each on its merits. My tax prep marathon covered three of the most popular programs: TurboTax, TaxACT, and H&R Block. Here’s how my experience went with each.

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10 Best Travel Rewards Credit Cards – Reviews & Comparison

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

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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