Key takeaways The Capital on Tap Business Credit Card offers high credit limits, no annual fee, speedy approval and cash back rewards. The card is only available to businesses with good credit, at least six months of activity and a minimum yearly revenue of $30,000. While the rewards and credit…
Delmaine Donson/ Getty Images; Illustration by Austin Courregé/Bankrate Key takeaways Lengthy credit card balance transfer offers can mean the difference between paying hundreds in interest and paying nothing at all. Balance transfer cards with 21-month intro periods can help you pay off debt, but they carry few benefits beyond the…
Roth IRAs are known for tax-free growth and distributions in retirement. However, inherited IRAs come with their own rules and limitations that can complicate the picture. Whether you can convert an inherited IRA to a Roth IRA depends on both your status and current IRS guidelines. By understanding IRS law,…
Key takeaways Credit card fraud is on the rise, but there are many systems in place to protect your identity and your finances. The Fair Credit Billing Act limits liability to $50 if you report the fraudulent charges within 60 days of receiving your statement. Many credit card companies offer…
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The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
With artificial intelligence beginning to eat away at many white-collar entry-level jobs, and the unemployment rate for recent college graduates…
If a society is going to make intelligent choices in policy, it helps to understand reality, which includes facts and…
New York startup Casap has raised $25 million in new funding to help banks tackle the thorny problem of credit…
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Key takeaways Lenders deny loan applications due to reasons like poor credit, insufficient collateral, industry and more. Having a small business loan denied doesn’t mean businesses can’t secure one in the future. Before reapplying for a loan, determine why the previous application was denied and…
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When I finished graduate school, I had $72,000 in student loans weighing me down. But less than a year after graduation, I’d paid…
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When it comes to selling coconut water to the health obsessed, New York’s Vita Coco has served up a master class, schooling even…
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Key takeaways Personal loans are best for one-time, fixed expenses, while personal lines of credit are best for ongoing financing needs or purchases that require flexibility. Both options offer lower average interest rates than credit cards for borrowers with good credit. Repayment terms depend on how much you borrow and…
Key takeaways When you leave or lose a job, it’s important to remember your 401(k). Options may include rolling it into an IRA or a new employer’s retirement plan. Cashing out your 401(k) could leave you with penalties and taxes on your distribution. Many Americans will, at some point, face…
Our writers and editors used an in-house natural language generation platform to assist with portions of this article, allowing them to focus on adding information that is uniquely helpful. The article was reviewed, fact-checked and edited by our editorial staff prior to publication. Key takeaways Loans that require no down…
By Julie Jaggernath and Garrett Johnson Many people only glance at their credit card bill to see the total they owe, but the question of why should you check your credit card statement goes far beyond simply knowing your balance. Your statement provides a detailed record of every transaction, fee,…
Image by GettyImages; Illustration by Bankrate Debt doesn’t just weigh on your finances, it can weigh on your sense of security, self-worth and connection to others. It’s easy to feel ashamed or alone, but support can help get you through tough times. Asking for help doesn’t mean you’ve failed —…
Key Takeaways If your lender stops offering HELOCs or home equity loans, rest assured: The original terms of your loan or credit line stay the same. What might change are the logistics, like where you send your payments (to a new servicer or lender). It’s especially important to keep paying…
Key takeaways Though 529 plans offer the benefit of tax-free gains, they have some drawbacks. Investment options can be limited, and the fees can be high. While you have some flexibility in using unneeded funds, you risk a penalty on non-educational withdrawals. Americans have been slow to embrace 529 college…
What is car insurance? If you’re a first-time car owner, or even if you’ve been on the road for a while, you may not be totally clear on how car insurance works. The types of coverage can be confusing, and there are industry terms that you may not be familiar…
Switching banks can pay off. If you choose wisely, it could make your financial life more convenient and even help you save on fees. What’s more, it can also quite literally pay off with one of the top bank account bonuses available. Bank account bonuses are a promotion some banks offer…
Texas is the top state for domestic in-migration in 2024. While hundreds of thousands of Texas residents moved out of the state, even more people moved in from other states — about 85,000 net new domestic movers, according to U.S. Census data. Texas is clearly a popular destination, so why…
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