Fall is here – and that means the holidays are lurking just around the bend. Before you dive into your holiday shopping groove, let’s do a quick check on your credit cards. Because nothing derails the season’s cheer like surprise interest charges or missing out on rewards that could’ve been yours.
APR first—so you’re not paying more later.
Look at your current APR, know how long it lasts, fixed or variable, and compare that to other cards (including ours, of course).
Look at your current APR, know how long it lasts, fixed or variable, and compare that to other cards (including ours, of course).
Rewards: points, cash-back or travel?
Is your card earning you more back on online purchases, groceries, or travel bookings? A 2 percent cash-back or double points on dining can really add up. If you know your holiday spending habits, you can match them to the best rewards structure.
Is your card earning you more back on online purchases, groceries, or travel bookings? A 2 percent cash-back or double points on dining can really add up. If you know your holiday spending habits, you can match them to the best rewards structure.
Annual fees vs. benefit payoff.
Some cards charge a fee—but if the perks pay for it, you’re winning. Figure out how many rewards or statement credits you need to break even (or better yet, come out ahead). The rewards may sound high, but you won’t be earning as much as you think if paying annual fees.
Some cards charge a fee—but if the perks pay for it, you’re winning. Figure out how many rewards or statement credits you need to break even (or better yet, come out ahead). The rewards may sound high, but you won’t be earning as much as you think if paying annual fees.
Your credit score is your superpower.
Better scores equal better offers. If your score has improved, now might be a great time to shop around or ask us about an upgraded rate.
Better scores equal better offers. If your score has improved, now might be a great time to shop around or ask us about an upgraded rate.
Plan now, spend smarter.
Once you’ve compared, pick the card that earns the most and costs the least. Then use the right card at the right place for maximum benefit.
Once you’ve compared, pick the card that earns the most and costs the least. Then use the right card at the right place for maximum benefit.
This holiday season, spend with a little strategy and a lot less stress. And if you want help comparing cards or checking rates, we’ve got your back. Together, we’re stronger (and wiser with our holiday budgets).