Key takeaways The Discover it® Student Cash Back is a wise first card for students who want experience earning cash back rewards. Not only do you earn cash back, but perks like free access to your credit score and a short introductory APR on purchases — all while keeping costs…
Key takeaways Assets are quantifiable items — tangible or intangible — that add to your company’s value. Liabilities are what your company owes to others, whether that’s a vendor or a bank that issued a loan. Equity is the dollar amount left when you subtract liabilities from assets, and it…
Alliant Credit Union, Ally Bank, Amerant Bank, America First Credit Union, American Airlines Federal Credit Union, American Express National Bank, Apple Bank, Arvest Bank, Axos Bank, Banesco USA, Bank of America, Bank of Hope, Bank5 Connect, BankPurely, BankUnited Direct, Barclays Bank, Bask Bank, BMO Alto, BMO Bank, Boeing Employees’ Credit…
Key takeaways Thanks to its generous cash back rates, the Chase Freedom Flex® can potentially earn you more than the Citi Double Cash® Card. Additionally, the Chase Freedom Flex offers the same welcome bonus as the Citi Double Cash offers — but with a much lower spending requirement. Still, rotating…
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The big new fees JPMorgan Chase is planning to charge some financial technology companies may well trickle down to consumers,…
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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.…
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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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Image by GettyImages; Illustration by Bankrate Key takeaways Before paying a debt in collections, verify that it’s both legitimate and collectible to avoid scams or zombie debt. The Fair Debt Collection Practices Act (FDCPA) helps protect you from harassment and abuse by debt collectors. Negotiating a payment or settlement plan,…
Key takeaways The unbanked have no relationship with traditional financial institutions, while the underbanked use banks but rely heavily on alternative financial services. 4.2% of U.S. households are unbanked and 14.2% are underbanked, according to the FDIC’s 2023 survey. High fees, minimum balance requirements and lack of trust are the…
Key takeaways Early withdrawal fees on CDs usually cost between 90 and 365 days of interest. Generally, the longer the CD term, the higher the penalty. If you need funds right away to cover a large, unexpected expense, it might be worth liquidating your CD early. Strategies such as CD…
Americans have amassed $525.1 billion for educational expenses in 529 plans as of December 2024, according to the Education Data Initiative. That amounts to around an average of nearly $31,000 for the estimated 17 million families participating in 529 plans. With so much money on the table and college costs…
Key takeaways A balance transfer can be a helpful tool for paying off high-interest credit card debt interest-free for an extended period of time. It’s essential to research and compare offers from different credit card issuers to find the best balance transfer card for your needs and financial situation. Before…
This page was originally published in late 2024 and reflects the author’s financial decisions during that time. Key takeaways Pairing the Capital One Venture X Rewards Credit Card and the Capital One Savor Cash Rewards Credit Card allows me to earn 50% more miles. I use the Savor card for…
Key takeaways Student loan experts are still fully assessing the One Big Beautiful Bill’s fallouts. One is clear: Not all borrowers who need private loans to fill the funding gap created by new federal borrowing limits will have good enough credit to qualify. Private lenders are exploring new products and…
Michael M. Santiago / Staff/Getty Images Key takeaways The Federal Reserve is widely expected to cut its benchmark rate in coming months, and APYs on competitive savings accounts could fall, in turn. For the time being, savers are enjoying APYs that are higher than they’ve been in more than a…
SDI Productions/Getty Images Key takeaways Opening a CD account means locking your money for a fixed term (3 months to 5 years) in exchange for guaranteed interest rates. CDs work best for specific savings goals with known timelines, like saving for a house down payment in two years. Online banks…
Viorel Kurnosov/Getty Images Key takeaways Bank account bonuses typically range from $50 to $500, with some premium offers reaching $1,000 or more for business accounts. Most bonuses require meeting specific criteria like minimum deposits, direct deposits or debit card purchases Bankrate tracks the best current bank account bonuses, updated regularly…
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