The Northeastern Pennsylvania Alliance welcomed the United States Department of Labor to a fruitful roundtable discussion with key business leaders from the area this week.Secretary Eugene Scalia met with NEPA members in Luzerne County on Jan. 13 to discuss the United States-Mexico-Canada Agreement, the workforce needs of regional employers, recovery to work efforts and deregulation to assist employers.“We had a very productive and engaging discussion with [...]
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الخميس، 16 يناير 2020
First Access Visa® Credit Card Review
If you’re having trouble getting a credit card because you’ve got poor credit, then the can potentially offer you a second chance to rebuild your credit. With small starter and cash advance limits, you’re likely to stay on track with payments and become more confident with your finances. Additionally, First Access Visa® Credit Card reports to major credit agencies monthly, so you’ll be able to improve your credit rating relatively quickly.
However, a major drawback is the card’s high fees compared to other cards in the credit-building category. You can expect annual and even monthly servicing fees. The APR is hefty as well, so it’s important to repay outstanding balances each month to avoid high interest charges.
What we like about the First Access Visa® Credit Card
- You may be approved even with poor credit, offering you a chance to build on limited credit history or rebuild damaged credit.
- This card has friendly features to build credit, such as a low credit limit to start and cash advance limits. It is designed to make it easier to repay outstanding balances each month and demonstrate financially responsible behavior.
- Monthly servicing fees and cash advanced fees are waived in the first year while you get into the rhythm of better financial habits. Fees are also clearly explained.
- There’s a straightforward application process, with a quick decision in as little as 60 seconds.
- It’s an unsecured credit card, meaning you won’t have to pay a security deposit.
Things to consider
- There is no getting around the fact that there are a lot of fees with the First Access Visa® Credit Card. Once the monthly servicing fees kick in from the second year, this card becomes even more expensive to maintain.
- While the small starter limit of $300 makes sense as a credit-building feature, it renders this card almost impractical as an emergency financial resource. Since the annual fee is assessed upon card issuance, you’ll only have an initial available limit of $225.
- You’ll have to wait for a year before you can access a higher credit limit, and it’ll cost another fee to have it increased.
- Although using a credit card for a cash advance isn’t generally recommended, it’s still worth noting that you’ll have to wait at least 90 days or three billing cycles from the account opening before you can get cash out with your First Access Visa® Credit Card.
First Access Visa® credit-building details
Despite its steep fees, the can put you on a path to better credit if used the right way. By having a small credit limit to begin, there’s a lower risk of overspending and getting into debt. And as you get into the habit of repaying your outstanding balance in full each month, you’ll start to develop the kind of responsible behavior lenders look for when evaluating creditworthiness. First Access Visa® Credit Card reports to three major credit agencies monthly, so it won’t take long for your credit to improve.
Apart from having a waiting period before you can withdraw cash from your credit card, there is a further restriction to deter the regular use of cash advances — your unpaid cash advances cannot be more than half of your credit limit.
First Access Visa® Credit Card fees
The involves a painful number of fees, partly because the card issuer is exposed to higher risks by providing unsecured finance to people with poor credit history.
Upon joining, there is a one-off program fee of $95. The annual fee is $75 in the first year, then lowers to $48 per year thereafter. There is a monthly servicing fee of $6.25 (so $75 a year) and cash advance fee of $10 or 3%, but these only apply after 12 months.
Fees for late payment and return payments will cost up to $40, depending on whether you’ve incurred similar charges in the previous six billing cycles. There’s also a credit card limit increase fee of 20% of the amount of increase. However, you won’t be subject to over-limit fees or penalty APR.
How does it compare to other credit-building cards?
The is a worthy option if you have been struggling to get approved for a credit card. However, if you’re looking for a credit-building card with lower APR and no monthly servicing fee, the is a top pick. Its annual fee is tiered according to creditworthiness, but even at a maximum annual fee of $99 per year, the Indigo® Platinum Mastercard®’s lack of monthly servicing charges still makes it a cheaper alternative.
If you’re looking to skip the annual fee altogether, the is the way to go. The downside is that you’ll get an even smaller credit limit of $200, and you’ll need to make a security deposit as well.
| Card | Purchase APR | Annual Fee | Intro Bonus | Credit Needed | Key features |
|---|---|---|---|---|---|
| 34.99% APR | $75.00 for first year. After that, $48.00 annually | No monthly serving fee the first year, then $6.25 per month thereafter; $0 cash advance fee, then $5 or 5% thereafter. | Poor | Widely accepted but can only be used in U.S.; Credit building: monthly reporting to major credit bureaus, small credit and cash advance limits; No overlimit fee or penalty APR | |
| Indigo® Platinum Mastercard® | 24.90% APR | $0-$99 | $0 cash advance fee, then $5 or 5% thereafter. | Poor | Widely accepted in U.S. and abroad; Credit building: monthly reporting to major credit bureaus, small credit limit; Pre-qualify without affecting your credit score |
| Capital One® Secured Mastercard® | 26.74% (Variable) APR | $0 | None | Limited, Bad | Widely accepted in U.S. and abroad; Credit limit of $200 after you make the required refundable security deposit of $49, $99 or $200; Credit line increases after five months of paying on time |
The bottom line
The comes with expensive fees and no rewards program, but if your sole purpose is to rebuild credit, then this card can help you do that. With monthly reporting to three major credit agencies, your on-time payments will be recorded and used to calculate your credit score. So as long as you remain diligent, you’ll qualify for cheaper financial products in the future.
Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.
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Southwest Rapid Rewards® Priority Credit Card Review
If you’re a frequent Southwest Airlines flyer, you should consider adding the Southwest Rapid Rewards® Priority Credit Card to your credit card collection. Out of the three personal Southwest-branded credit cards, the offers the top rewards, most travel points and most perks. Plus, unlike the other two personal Southwest branded credit cards, there are no foreign transaction fees.
If Southwest is your main airline of choice and you want a single credit card to reward your travel, this may be the card for you. You can also pair the Southwest Rapid Rewards® Priority Credit Card with credit cards from other airlines to maximize your travel rewards.
What we like about the Southwest Rapid Rewards® Priority Credit Card
- While the annual fee of $149 may seem high, you get an annual $75 Southwest travel credit with this card each year, which can offset part of the annual fee.
- The card comes with Southwest perks like four upgraded flights a year and 20% back on in-flight purchases.
- The card has no foreign transaction fees.
- The card also provides travel and purchase protection benefits like an auto rental collision damage waiver, roadside dispatch, purchase protection, extended warranty protection, lost luggage reimbursement, baggage delay insurance, travel and emergency assistance services and travel accident insurance.
Things to consider
- If you don’t fly Southwest Airlines that often, you could get better travel perks with a different airline-specific or general travel rewards card.
- If you don’t fly much in general, you could get much better rewards with another rewards card.
- The best way to maximize your points is going through offerings from Southwest and its partners.
Southwest Rapid Rewards® Priority Credit Card travel rewards details
Cardholders get 2x points for every $1 they spend on Southwest Airlines flights and with Southwest car rental and hotel partners, including Marriott Bonvoy, Best Western and Radisson Rewards. All other purchases made with the card earn cardholders 1x point per $1 spent. Plus, you get 7,500 anniversary points after your cardmember anniversary.
Get more mileage out of points by redeeming them for Southwest Airlines flights to more than 90 destinations. By doing so, you’ll also be getting closer to A-List status as you book flights.
You can also redeem points for gift cards from over 70 merchants, hotel stays and car rentals from thousands of businesses around the country, merchandise (like travel accessories, electronics, luggage, golf equipment and more) and international flights on more than 50 global carriers.
Southwest Rapid Rewards® Priority Credit Card fees
Besides the annual fee of $149, the other fees are fairly standard. There’s a late payment fee of up to $39 and a return payment fee of up to $39. There are no over-limit fees or return check fees.
Like most travel credit cards, the has no foreign transaction fee. Compared to the other two Southwest branded personal credit cards, this is the only one with that feature, making it the top Southwest travel credit card choice for international travelers.
How does it compare to other travel rewards cards?
If you’re looking for a Southwest credit card, this is the best choice for rewards and points. If you want to add to your airline-branded credit card collection but don’t fly Southwest often, you may be more interested in a Southwest credit card with a lower annual fee, like the . If you’re after a general travel rewards credit card and want more freedom in how your points reward your travel, the is a solid choice.
| Card | Ongoing Purchase APR | Annual Fee | Intro Bonus | Credit Needed | Key features |
|---|---|---|---|---|---|
| 17.49% - 24.49% Variable APR | $149 | Earn up to 75,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 35,000 points after you spend $5,000 on purchases in the first 6 months your account is open. | Good to Excellent |
|
|
| Southwest Rapid Rewards® Plus Credit Card | 17.49% - 24.49% Variable APR | $69 | Earn up to 75,000 points. Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus, earn 35,000 points after you spend $5,000 on purchases in the first 6 months your account is open. | Good to Excellent |
|
| Capital One® Venture® Rewards Credit Card | 17.24% - 24.49% (Variable) APR | $0 intro for first year; $95 after that | Earn 50,000 bonus miles after spending $3,000 on purchases in the first three months of the account opening. | Good to Excellent |
|
The bottom line
The is a top airline reward credit card for frequent Southwest Airlines flyers. The annual fee becomes less of a burden because you get a $75 Southwest credit every year. Plus, you get more Southwest perks like upgraded flights and in-flight discounts, as well as extra anniversary points and tier qualifying points for Southwest A-List status. If you fly Southwest frequently, this card can help you save on travel.
Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.
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Horizon Gold Credit Card Review
The is a starter card for people looking to tap into an unsecured line of credit. This catalog card comes with a $500 line of unsecured credit, allowing you to purchase items from the issuer’s catalog, the Horizon Outlet. The catalog sells women’s and men’s clothing, kids’ clothing, toys and home goods. The prices are generally comparable with Walmart, so if cardholders take advantage of Doorbusters sales, they can get good deals on select merchandise even once the delivery and signature verification fees are factored in.
Horizon Gold Credit Card has some additional perks in the form of roadside assistance, prescription drug discounts and legal assistance. It is easy to get approved for the credit card, even if you have bad or limited credit — in fact, there’s no employment or credit check. The application is simple to fill out, and you’ll be approved online as soon as you complete it.
What we like about the Horizon Gold Credit Card
- No employment or credit check needed.
- Horizon Gold Credit Card reports to at least one credit bureau every 30 days, so using the card will help you to build credit.
- There is a 0% APR rate on purchases made with the card.
- The card offers some perks, such as limited roadside assistance (three times annual, for a maximum amount of $50 each time), a 30-minute free legal consultation and prescription drug discounts.
Things to consider
- Horizon Gold Credit Card is a type of private-label card, meaning that you can only use it to make purchases from the Horizon Gold catalog.
- The $24.95 membership fee, auto-debited from your bank account each month, adds up to a steep $299.40 annual fee a year.
- There are additional residential delivery and “signature verification” fees — for a total of $4.50 — each time you have catalog merchandise delivered to your home.
- Although the card offers prescription drug discounts of up to 40% through My Universal RX, you won’t find out if your medications are discounted or if your local pharmacy participates until you become a cardmember.
- Catalog merchandise is fairly priced but limited in stock.
Catalog card details
Catalog cards are a type of private-label card that allow the cardholder only to purchase items from one retail outfit. In particular, the will allow you to purchase anything at the Horizon Outlet. Most catalog cards do not always report to the three main credit bureaus, so if you want to build credit using this type of card, you need to read the terms carefully. Luckily, the Horizon Gold Credit Card does report to at least one major credit bureau once every 30 days.
A catalog card should not be confused with co-branded insignia credit cards, which have an arrangement with a retailer but allow you to make purchases wherever the insignia is accepted. In fact, catalog cards are not really credit cards. A better way to think of them is a line of store credit with some additional benefits.
Both private-label and catalog cards are easier to qualify for than co-branded or premium credit cards, but they can leave you limited in your purchase options or stuck with recurring membership fees. A better option for people with bad credit, or for those looking to build their credit, is a secured credit card.
Horizon Gold Credit Card fees
charges a $24.95 membership fee that is deducted automatically from your bank account each month. If you can’t make this payment for whatever reason, you will be demoted to the basic starter benefits plan, which charges a $6.95 membership fee and a $6 maintenance fee each month. The benefits with the basic membership are essentially the same; you just don’t get roadside assistance.
Other fees include a $2.00 delivery fee each time you order from the catalog and a $2.50 “signature verification” fee once the merchandise arrives at your door. There is also a $15 card validation fee, a $20 late payment fee and a $25 NSF check fee.
How does it compare to other catalog or secured cards?
gives cardholders an unsecured $500 line of credit, which is more generous than most cards for people with bad credit. Although it has a smaller initial line of credit, the has virtually no fees. If you can afford a security deposit, is probably the best deal overall, though, because you can use it wherever Discover is accepted and earn cash back on purchases. Take a look at how these three cards compare with each other below.
| Card | Purchase APR | Annual Fee | Intro Bonus | Credit Needed | Key features |
|---|---|---|---|---|---|
| N/A* | $24.95 | None | Poor | Unsecured $500 line of credit | |
| Fingerhut Credit Account issued by WebBank | 25.90% APR | N/A | None | Poor | Reports to credit bureaus |
| Discover it® Secured | 24.49% Variable | $0 | Discover automatically matches all the cash back you’ve earned at the end of your first year. | No Credit History | 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases. |
The bottom line
is an ideal card for dedicated bargain shoppers who have bad credit and rely on online purchases. It’s easy to be approved, and the merchandise offered through Horizon Outlet is reasonably priced. Due to its steep monthly membership fee, though, this catalog card should only be considered if you’ve failed to qualify for other comparable cards. Even then, it’s only a good deal for those who specifically want to shop at the Horizon Outlet.
Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.
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Ink Business Preferred℠ Credit Card Review
The Chase is the best card for earning flexible rewards for your business. Chase bridges the gap between cash back and travel rewards for small businesses with the Ink Business Preferred℠ Credit Card. You’ll earn Ultimate Rewards points, which you can either use for travel in Chase’s travel portal, transfer to one of their travel partners or exchange for cash back. You have complete control over the rewards you earn and how you use them for your business.
Earning rewards with the Ink Business Preferred℠ Credit Card is simple. With a massive sign up bonus and rewards in business expense categories like travel and social media advertising, you’ll quickly earn enough Ultimate Rewards points to cover your flights to your next industry conference or pay down your card balance with a cash back statement credit.
What we like about Ink Business Preferred℠ Credit Card
- 3x bonus categories: You’ll earn 3x points per dollar on the first $150,000 spent in specific categories, plus 1x point per dollar on all other purchases
- Big sign up bonus: Earn 80,000 bonus points after you spend $5,000 on purchases in the first three months after account opening. That’s $1,000 for travel when you redeem through Chase Ultimate Rewards.
- Flexible rewards: You can redeem your Chase Ultimate Rewards for cash back, gift cards, travel through Chase’s online portal, technology purchases through Apple Ultimate Rewards or you can transfer them to one of Chase’s partner travel programs.
- No foreign transaction fees: The Ink Business Preferred℠ Credit Card is the perfect card for businesses that require travel to work all around the world.
- No fee for employee cards: Add employee cards to your account for no additional fee, keeping your team all under one account as your business grows.
Things to Consider
- Limited bonus category rewards: If your business spends more than $150,000 per year in the bonus categories, you’ll only earn 1x point per dollar on everything after you cross that limit.
- Annual fee: While the annual fee is only , it still exists. If you prefer to avoid annual fees completely, the Ink Business Unlimited℠ Credit Card would be a better fit for you.
- Weighted towards travel: The rewards for the Ink Business Preferred℠ Credit Card have the best value when you use them for travel. If you and the people in your company don’t travel much, you’ll be able to find better cash back rewards with other cards like the , which earns 2% cash back on every purchase.
Ink Business Preferred℠ Credit Card ultimate Rewards details
With this card, you’ll earn 3x points per dollar on the first $150,000 spent on travel, shipping purchases, internet, cable and phone services and advertising purchases on social media sites and search engines, plus 1x point per dollar on everything else. If you take into consideration the intro bonus offer that could be worth up to $1,000, there are a lot of incentives to use your card heavily in the first three months.
You can take advantage of your Ultimate Rewards points in the way that best fits your business. For travel rewards, points transfer at a 1:1 ratio to Chase’s travel partners, including more than a dozen airlines and hotels like IHG Rewards, Marriott Bonvoy and World of Hyatt. Alternatively, you can purchase travel directly through the Ultimate Rewards portal where your points are worth 1.25 cents per point.
For a slightly lower rate of one cent per point, you can redeem your Ultimate Rewards points for cash back either as a direct deposit to your payment account or as a statement credit. If you would like to use your points to make non-travel purchases, you can shop directly through the Ultimate Rewards site for gift cards, where your points are also worth one cent per point.
Ink Business Preferred℠ Credit Card fees
The has an annual fee of $95 every year the card is active. Other fees you might incur are balance transfer fees of either $5 or 5% (whichever is greater) and cash advance fees of $15 or 5% (whichever is greater. If you make a late payment or your payment is returned, you’ll also incur a $39 late payment or returned payment fee. This card has no foreign transaction fees.
How does it compare to other business rewards cards?
The is a great option for small businesses that want to earn flexible rewards for their spending. However, if you’re likely to put $50,000 on your business credit card in the first six months after account opening, the will earn you a huge intro bonus that you can use for company travel, with the added benefit of no annual fee for the first year. Larger businesses who don’t mind paying a higher annual fee may like the added features of the , which connects directly to QuickBooks and rewards you with 4x Membership Rewards points in your top two categories every month.
| Card | Ongoing Purchase APR | Annual Fee | Intro Bonus | Credit Needed | Key features |
|---|---|---|---|---|---|
| 17.49% - 22.49% Variable | $95 | 80,000 points when you spend $5,000 on purchases in the first three months. | Good to Excellent | 3x points on up to $150,000 in combined purchases on travel, shipping, internet, cable and phone and online advertising as well as 1x point per dollar on all other purchases; Flexible points redemption; Free employee cards | |
| 18.49% (Variable) | $0 intro for first year; $95 after that | Earn 50,000 bonus miles after you spend $5,000 in the first three months and earn 150,000 bonus miles when you spend $50,000 in the first six months. | Good to Excellent | 5x miles on hotels and rental cards and unlimited 2x miles on all other purchases; Global Entry or TSA PreCheck credit; Free employee cards | |
| 15.74% - 23.74% Variable See Rates & Fees | $295 See Rates & Fees | Earn 35,000 Membership Rewards points after you spend $5,000 on eligible purchases with the Business Gold Card within the first three months. Terms Apply. | Good to excellent | 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Free employee cards; Expense management tools. Terms Apply. |
The bottom line
The is a smart option for businesses who want to earn rewards that can be used for either travel or cash back. This card gives you control of your rewards, letting you use them in a way that best suits your business. Although the sign up bonus alone is enough to cover the annual fee for many years, you do have similar options if you want to avoid paying it. The is an excellent cash back business credit card with no annual fee. It also makes an excellent complement to the Ink Business Preferred℠ Credit Card, allowing you to take advantage of even better rewards within the Chase credit card family.
For rates and fees of American Express® Business Gold Card, please click here.
Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.
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Capital One® SavorOne® Cash Rewards Credit Card Review
If the idea of a quiet dinner at home doesn’t interest you, the may be the perfect card for you. Capital One® SavorOne® Cash Rewards Credit Card is aimed towards people who spend their time and money out on the town, and offers supersized rewards with no annual fee.
You’ll earn unlimited 3% cash back on dining and entertainment, 2% cash back at grocery stores and 1% cash back on all other purchases, plus get access to exclusive Capital One events and experiences. With an easy-to-earn sign up bonus, Capital One® SavorOne® Cash Rewards Credit Card will earn you cash back for every meal and event.
What we like about the Capital One® SavorOne® Cash Rewards Credit Card
- Great rewards: 3% cash back on dining and entertainment purchases, 2% back at grocery stores and 1% back on all other purchases
- No annual fee: Keep more money in your pocket
- Easy-to-earn sign up bonus: You’ll earn a $150 cash bonus once you spend $500 on purchases in any category within the first three months
- Intro APR offer: 0% interest for the first 15 months on both purchases and balance transfers, then 15.49% - 25.49% (Variable) after that; balance transfers have a 3% fee during the intro APR period
- Exclusive access: As a Capital One® SavorOne® Cash Rewards Credit Card cardholder, you’ll have VIP access to various food and entertainment events throughout the year
Things to consider
- Rewards weighted for dining and entertainment: The card’s value comes from its 3% cash back on dining and entertainment purchases. For all other purchases, you can find cash back card with a better rewards rate, like the Citi Double Cash. If you don’t eat out that often, you’ll either want to supplement this card with another rewards card or skip it altogether.
- Low sign up bonus: While the $150 new cardmember bonus is easy to earn (after you spend $500 on purchases within the first 3 months) and on par with several other cash back cards, it’s not something to write home about. There are better cash back sign up bonuses available, such as the one attached to the Chase Freedom®. Chase Freedom® offers $200 cash back when you spend $500 in the first three months along with rotating 5% cash back categories.
Dining and entertainment cash back details
is a worry-free card for people who want to earn rewards for their dinners, Sunday brunches and matinee movies without paying an annual fee.
If you spend quite a bit in the dining and entertainment categories each month, this card is hard to beat. You’ll earn 3% cash back on all dining and entertainment purchases, 2% back at grocery stores and 1% on all other purchases. You’ll also earn $150 cash back when you spend $500 on purchases in any category within three months of your account opening. Your rewards never expire as long as your account is open, and there’s no limit on the amount you can earn each month.
Capital One® SavorOne® Cash Rewards Credit Card’s cash back rewards allow you ultimate flexibility in how you redeem them. You can redeem your Savor rewards in the Capital One app for gift cards, a statement credit or for a purchase made with your Capital One® SavorOne® Cash Rewards Credit Card. On Capital One’s website, you’ll also have the option to redeem your points as cash. If you choose the cash option, Capital One will mail you a check for the value of your redeemed points.
Capital One® SavorOne® Cash Rewards Card fees
One of the card’s biggest perks is that there is no annual fee, but it does have competitive fees for its category. For balance transfers, you’ll pay a 3% fee during the first 15 months, which is the length of the intro 0% APR period for purchases and balance transfers. After the intro period, there is no balance transfer fee, but you will see a $0 APR for balance transfers and purchases. This card has no foreign transaction fees and up to a $39 late payment fee.
How does it compare to other cash back cards?
The leads the pack for category-specific cash back cards, considering it has no annual fee. If you don’t mind paying a $0 intro for first year; $95 after that for the annual fee, its sibling Capital One credit card, the , offers a more competitive sign up bonus and 4% back on dining and entertainment. If you don’t spend enough money on dining and entertainment purchases, the credit card gives you 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate and 1% on all other purchases.
| Card | Ongoing Purchase APR | Annual Fee | Intro Bonus | Credit Needed | Key features |
|---|---|---|---|---|---|
| 15.49% - 25.49% (Variable) | $0 | $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening | Good to Excellent |
|
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| Capital One® Savor® Cash Rewards Credit Card | 15.99% - 24.99% (Variable) | $0 intro for first year; $95 after that | Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening | Good to excellent |
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| Discover it® Cash Back | 13.49% - 24.49% Variable | $0 | Discover will match all the cash back you earn at the end of your first year | Good to Excellent |
|
The bottom line
The is perfect for people who want to maximize their rewards on dining and entertainment purchases without paying an annual fee. You’ll get the best use of this card by pairing it with another cash back card, like the Citi Double Cash. Pairing multiple cash back cards together allows you to maximize your Capital One® SavorOne® Cash Rewards Credit Card on dining and entertainment, while another card can earn you more cash back on all other purchases.
Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.
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The Cheapest New York Renters Insurance Companies 2020
New York is a wonderful place to live. It has the bustling city life of New York City, beautiful natural areas and delicious food.
Like all places, there are certain risks of living in New York that you want to protect yourself from so you can enjoy the beauty of the state. New York is best known for its crime rate. In the first four months of 2019, the New York City Police Department (NYPD) reported 3,587 robberies and 3,136 burglaries. The amount of crime varies depending on where you live, but it’s important to have renters insurance to help protect your belongings.
New York isn’t the cheapest state, either. As of October 2019, the average rent in Manhattan is $4,146.67. That is astronomical compared to the national average rent of $1,476. New York City is the most expensive city in the country, although the price improves as you move away from the city.
Insuring your things is another added expense, so renters are continually seeking the cheapest New York renters insurance companies that will protect their things without breaking the bank.
It’s important to find not only the best New York renters insurance but also the cheapest renters insurance policy that meets both your needs and your budget.
Best renters insurance companies in New York
New York renters insurance incorporates both property and liability coverage, as well as medical payments if a guest is injured in your home. Loss of use is another type of coverage that will take care of any temporary living expenses if your home becomes damaged and inhabitable.
Coverage usually starts at $15,000 for personal property and $100,000 for personal liability, but it can go as high as $50,000 in property and $300,000 for personal liability. You will need to have a general idea of what your belongings are worth so you know how much coverage to buy. You can figure this out by doing a household inventory.
Based on our studies, these are the best New York renters insurance options:
To judge which are the best renters insurance companies , we look at the J.D. Power ratings and the Better Business Bureau. Both organizations judge a company’s level of customer service. AM Best scores are also crucial because they show a company’s financial stability.
Rankings for the best cheap renters insurance companies: New York
| Company | J.D. Power Rating | AM Best Rating | BBB |
| Travelers | 2 out of 5 | A+ (Superior) | A+ |
| Progressive | 2 out of 5 | A+ (Superior) | C- |
| State Farm | 5 out of 5 | A++ (Superior) | A+ |
| Allstate | 2 out of 5 | A+ (Superior) | A+ |
| Geico | Unrated | A++ (Superior) | A+ |
Best for customer service: State Farm
State Farm is consistently known for its excellent customer service, and it is the strongest financially of all the best New York renters insurance companies.
Best for multiple products: Travelers
Like many other insurance companies, Travelers offers several insurance products so you can insure everything you need to. Travelers has auto, home, condo, umbrella, boat and valuable items insurance.
Best for extra protections: Allstate
Allstate has several options to increase the amount of protection you get, including flood and personal umbrella insurance.
Best New York renters insurance company for discounts: Geico
For those on a budget, Geico offers a ton of discounts that can significantly lower your insurance premium. Among others, Geico offers discounts based upon your age, like savings for students and adults over the age of 50.
Best for a simple quote process: Progressive
Progressive has a simple online quote options or individual agents who can help you design your renters insurance coverage. Progressive also has discounts that can help you. For example, Progressive gives discounts for paper-free accounts and savings for those who renew in advance or pay in full.
You can enjoy extra savings from exclusive discounts. Most companies offer loyalty and multiple policy discounts, in addition to discounts for homes equipped with safety features like a smoke alarm or security system. Gated communities or buildings with a doorman may be more expensive in rent, but they can significantly lower your premium.
When pricing your renters quote, there are some factors that can work against you. If you or the previous tenant have claims on your record, it could impact the cost of your insurance because you would be considered a high-risk customer. High-dollar items like jewelry or art may require additional coverage.
These are the average annual premiums for New York’s cheapest renters insurance companies based on a profile of a New York resident with $30,000 in property coverage:
- Allstate: $233
- Geico: $292
- Progressive: $411
- State Farm: $125
- Travelers: $130
Frequently asked questions
How much renters insurance do I need in New York?
Coverage is up to you, but a standard renters insurance policy covers $15,000 of your personal property and $100,000 of liability coverage. Check with your agent to confirm your coverage and any extra protections that you may need.
What is the best renters insurance company in New York?
There are several renters insurance companies in New York, so it can be hard to find the best. Based on our studies, State Farm offers the lowest average premium with superior customer service. However, which option is the best for you will depend on unique factors like where you live and your individual risk factors.
Is renters insurance required in New York?
There is no law requiring renters insurance in New York, but it is always a good idea to protect your valuables and have protection for possible liability with visiting guests. Your landlord’s insurance will not cover damages within your specific unit, so renters insurance guarantees protection if you ever need it.
Does New York renters insurance cover my roommate too?
Renters insurance is a custom policy created specifically for your property and your belongings. Any roommates that live with you in your rental property will require their own policy if they want to protect their things.
The post The Cheapest New York Renters Insurance Companies 2020 appeared first on The Simple Dollar.
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The World of Hyatt Credit Card Review
earns you rewards through one of the most valuable hotel rewards programs available. World of Hyatt points can give you free nights at more than 800 Hyatt hotels worldwide with fantastic redemption rates. The sign up bonus alone is worth up to 10 free nights, and you’ll earn another free night on your account anniversary every year.
The World of Hyatt rewards rate is fantastic for frequent travelers, earning you 4x points per dollar on all Hyatt hotel reservations, 2x points per dollar at restaurants and on airline tickets purchased directly from an airline, local transit and gym memberships and 1x point per dollar on other purchases. If Hyatt is your first choice for lodging when you travel, you should consider having The World Of Hyatt Credit Card in your wallet.
What we like about The World Of Hyatt Credit Card
- Sign up bonus worth up to 10 free nights: You can earn up to 50,000 bonus points when you first open your The World Of Hyatt Credit Card. Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening.
- Free night anniversary: Every year after your anniversary, Hyatt will award you a free night for being a cardmember. You can use your free night at any Hyatt hotel that falls between category one and four.
- Additional free night: If you spend $15,000 with your The World Of Hyatt Credit Card in a cardmember anniversary year, you’ll also earn an additional free night at a Hyatt hotel (category one through four).
- Elite status: As long as your credit card account is open, you’ll receive automatic World of Hyatt Discoverist status, entitling you to preferred room upgrades, late checkout and other perks.
Things to consider
- Hyatt-exclusive rewards: Your rewards can only be redeemed at Hyatt hotels, so if you prefer another hotel chain or don’t have a Hyatt available in the areas you frequently travel, this might not be the best card for you.
- Annual fee: The World Of Hyatt Credit Card comes with a $95 annual fee that isn’t waived the first year.
- Limited hotel availability: The World Of Hyatt Credit Card has fewer than 900 participating properties worldwide. While there’s still a great chance you’ll have one nearby, they aren’t nearly as prominent as other hotel families with rewards programs like Marriott and Hilton.
- No intro APR period: The World Of Hyatt Credit Card comes with a 17.49% - 24.49% Variable APR from the get-go.
The World of Hyatt Credit Card hotel rewards details
Making Hyatt your first choice for lodging when you travel is essential for both earning and redeeming points with your . You’ll earn 4x points for every dollar spent at Hyatt hotels, 2x points for every dollar spent at restaurants and on flights booked directly through an airline, local transit and gym memberships, as well as 1x point per dollar on all other purchases.
As a sign up bonus, you’ll earn 25,000 points when you spend $3,000 in the first three months and an extra 25,000 points after you spend $6,000 within the first six months. Hyatt’s reward rate starts at only 5,000 points for category one properties, which means there’s enough bonus points for up to 10 free nights. If you use your The World Of Hyatt Credit Card for $15,000 in purchases in one anniversary year, you’ll also earn an extra free night.
The World of Hyatt Credit Card fees
The card’s fees are very reasonable for the rewards you’ll earn with it. You’ll pay a $95 annual fee every year and no foreign transaction fees. The card’s balance transfer fee is $5 or 5% of the transfer amount, whichever is greater, and cash advances come with either a $10 or 5% fee of the advance amount, whichever is greater. For late payments and returned checks, you’ll pay up to $39.
How does it compare to other hotel credit cards?
holds its own when compared to other co-branded hotel and travel credit cards, but it’s not the only option out there. The beats The World Of Hyatt Credit Card in certain regards, it has similar redemption rates at nearly 10x as many properties. If you need rewards that are more flexible than a hotel-exclusive card like The World Of Hyatt Credit Card, the is the best choice. You’ll earn Ultimate Rewards points, which can be easily transferred to The World Of Hyatt Credit Card rewards program.
| Card | Ongoing Purchase APR | Annual Fee | Intro Bonus | Credit Needed | Key features |
|---|---|---|---|---|---|
| 17.49% - 24.49% Variable | $95 | Earn 25,000 points when you spend $3,000 on purchases in the first three months after opening your account and an extra 25,000 bonus points when you spend $6,000 on purchases in the first six months your account is open | Good to Excellent |
|
|
| 17.49% - 24.49% Variable | $95 | Limited Time Offer! Earn 100,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening. | Good to Excellent |
|
|
| Chase Sapphire Preferred® Card | 17.49% - 24.49% Variable | $95 | Earn 60,000 bonus points after you spend $4,000 in the first three months after opening your account | Good to Excellent |
|
The bottom line
is a great option for people who stay regularly at Hyatt hotels while traveling. With its lucrative sign up bonus and rewards rate for Hyatt hotel reservations, you’ll earn free nights in no time. The biggest thing to watch out for with Hyatt is hotel availability. With fewer than 900 properties, you’re less likely to find Hyatt hotels versus Marriott and Hilton hotels. If you know you’ll have access to Hyatt hotels when you travel, The World Of Hyatt Credit Card is the perfect tool to minimize your lodging costs and earn some valuable perks while you’re at it.
Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author's alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser's page for terms & conditions.
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Nationwide Home Insurance Review
Nationwide’s famous jingle is known the world over for its promise to be on your side with widespread and unique coverage. Special policies like the vanishing deductible and On Your Side® review increase your protection and simplify your life with well-rounded, comprehensive homeowners insurance coverage. Customer service is claimed to be a top priority for the insurance company, but customers are saying that isn’t the case.
Is Nationwide really on your side? This is our 2019 review of Nationwide Homeowners Insurance.
The specs
| Price | Varies depending on your home, location, and coverage |
| Best for | Multiple coverage options |
| Not for | Customer satisfaction |
| States served | 50 states and the District of Columbia |
| Discounts | SmartRide®, On Your Side® review, vanishing deductible |
| AM Best rating | A+ (Superior) |
| Standout features | Flexible policies, quick claims processing |
The claim
Nationwide prides itself on exceptional customer experience with affordable, widespread coverage. It also promises to be on your side. With all its popularity, Nationwide continues to be a leading provider for homeowners insurance, but is it truly the best home insurance available today?
Is it true?
Despite Nationwide’s claims about unwavering customer service, the reviews are mixed. J.D. Power ranks companies according to customer satisfaction levels, and, in the 2019 J.D. Power report, Nationwide placed low on the list with only two out of five stars. Competitors like State Farm and Allstate scored higher on the scale.
Despite the low scores from J.D. Power, Nationwide ranks higher in other studies. AM Best shows Nationwide is financially stable with an A+ Superior rating, which is usually a sign of efficient claims processing.
Nationwide is rated well by its customers, too, earning an A+ rating with the Better Business Bureau and an Excellent score from Consumer Reports.
Our deep dive
Nationwide is a multi-faceted insurance company that offers unique coverage to fit any lifestyle.
A standard Nationwide homeowners insurance policy includes several forms of protection.
- Dwelling coverage covers your home, any built-in appliances and wall-to-wall carpet.
- Personal property coverage includes the contents within your home.
- Personal liability and medical payments for any accidents that occur on your property.
- Loss-of-use coverage matches the limit for your dwelling coverage if your home is uninhabitable. It covers expenses like hotel costs while you have to stay somewhere else.
- Ordinance or law coverage ensures that in case of an accident, your home will be rebuilt according to building code.
- Inflation protection coverage protects your rate from skyrocketing with annual inflation.
Extended replacement coverage and flood insurance are available should you require more coverage. There are other services, too, like identity theft protection and the Valuables Plus program, which supplies added coverage for high-dollar items.
Cost rundown
Nationwide home insurance provides some of the most affordable coverage available today, and pricing and coverage depend on a few factors.
First, your address will be used to assess risk based on things like the local crime rate and distance from emergency services. The kind of home you have will determine your policy rates too. Older homes or homes from shoddy builders could increase your chances of damage to your home, so Nationwide homeowners insurance is a necessity.
Your premiums will also depend on the limits of your policy. Each type of coverage, such as your personal property or guest medical expenses, all have adjustable limits. The higher your coverage limit, the more expensive your Nationwide home insurance policy will be.
Cheaper (or free!) alternatives
Nationwide offers many of the same discounts that are common with homeowners insurance companies. There are discounts for bundling your homeowners policies with your car and life insurance policies. You can also save if you have additional safety discounts if your home is in a gated community or is equipped with additional security measures.
There are exclusive savings programs, too, that are designed specifically for Nationwide homeowners insurance policyholders.
- SmartRide® uses the latest technology with a tracking device that records things like your mileage, braking and acceleration. Nationwide uses this data to calculate an individualized discount based on your driving habits.
- On Your Side Review® ensures that Nationwide performs a free assessment of your policy each year. This will also occur after a major life event.
- Vanishing deductibles rewards you for safe driving by giving considerable savings on your deductible for each year without an accident.
- Accident forgiveness is available in some states, allowing one accident per homeowners insurance policy without an increase in your premium.
- Home purchase discounts apply to your homeowners policy if you bought a home within the last year.
- Home renovation credit rewards you with a discount if you renovate your plumbing, heating, cooling or electrical systems in your home. You could also get a discount for a newer roof.
New members can receive credit for continuous coverage with a previous company. Without a doubt, Nationwide provides more ways to save than many of its competitors.
The competition
There are many options for homeowners insurance, but these are some of the biggest competitors for Nationwide homeowners insurance.
Allstate
Allstate holds a J.D. Power rating of 3 out of 5, declaring Allstate’s customer service mediocre at best. Still, the company has an A+ rating from AM Best, signifying strong financial stability and quick claims processing. The many discount programs make Allstate an affordable choice for many homeowners, and it offers many different coverage options appealing to a wide demographic of homeowners.
Progressive
Progressive is popular for its wide range of coverage options. AM Best rated the company with an A+ score, but it was not included within the J.D. Power rankings. It is not the cheapest option for homeowners insurance, but customers appreciate perks like gap insurance, accident forgiveness and custom parts coverage.
State Farm
With exceptional scoring from AM Best and 4 out of 5 stars from J.D. Power, State Farm is a popular provider for homeowners insurance with branches nationwide. It also offers many opportunities to save, like personalized discounts for homes with extra security measures. State Farm is one of the most affordable homeowners insurance companies currently available today.
USAA
USAA is one of the most highly rated insurance companies around, but it is not for everyone because its service is limited to military households. USAA holds perfect scores with both AM Best and J.D. Power, and the many coverage options and extra savings programs continually make USAA one of the best homeowners insurance companies for those who qualify.
What others are saying
U.S. News regularly reports on national homeowners insurance trends, and in its review of Nationwide, U.S. News rated the company 3.7 out of 5 stars. The analysis shows that with Nationwide, “a wide variety of options are offered but can quickly drive up the cost.”
Customers don’t seem to mind too much, because Nationwide proudly holds an A+ rating from the Better Business Bureau and 4 out of 5 stars from Consumer Affairs for overall satisfaction based upon client reviews.
The bottom line
Based upon our research, Nationwide is definitely on your side with pricing, coverage and availability, and customers agree.
The post Nationwide Home Insurance Review appeared first on The Simple Dollar.
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Trump Scores Major Back-to-Back Trade Victories
The US Senate has voted in a move that gives President Trump back-to-back victories on his trade agenda, approving the new United States-Mexico-Canada agreement Thursday and sending it to the president for his signature.
Source CBNNews.com https://ift.tt/30qBWeB
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11 High-Paying Part-Time Jobs That Don’t Require a Degree
With a bustling full-time job, it can be difficult to find side gigs that pay well.
Sure, you could fold T-shirts at a local shop to earn a few bucks. But how can you find a part-time job that will really take a bite out of your bills?
Here are 11 flexible side gigs that pay over $20 per hour.
11 High-Paying Part-Time Jobs That Pay Over $20 Per Hour
One of these side gigs could be your ticket to earning money outside your daily job.
1. Landscaping
If you don’t mind getting your hands dirty and putting in some physical work, landscaping can pay quite well. If you can operate heavy machinery, you can earn even more.
In my area, landscaping jobs often start at $20 or more per hour. But many of these opportunities are offered through word of mouth, so be sure to ask around.
Check Craigslist and local online bulletin boards for one-off gigs, or contact a local landscaping company to see if they need an extra hand on weekends during their busy season.
Be sure you have all the licenses and insurance you need, and always be careful connecting with unknown clients.
2. Graphic Design
An eye for design can earn you over $26 per hour on average, according to the Bureau of Labor Statistics. You’ll also need good computer skills to succeed at this gig.
Having a portfolio of your work or a website and having recommendations from others are the best ways to get hired. You can brush up on your skills with this tutorial.
3. Interpreter
If you’re bilingual or multilingual, consider offering your language skills as a translator. You can be an on-call translator for legal and medical services or set up steady gigs ahead of time.
Interpreters and translators earn a mean hourly wage of $26.55, according to the BLS.
4. Sign Language Interpreter
Many events provide interpreters for their hard-of-hearing clientele. If you know sign language, look into opportunities translating on stage at events, in courtrooms and in classrooms.
If standing on stage isn’t your thing, look into opportunities to translate at mediation hearings and other smaller meetings. The average hourly pay is $26.62, but you can earn up to $48.47 per hour with this job, according to PayScale.
5. Tutor
I’ve tutored on and off over the years, and I was able to make well over $20 an hour. If you know your math, science and other subjects well, consider sharing your skills with students.
The more advanced and specialized the subjects, the more money you’re likely to earn. Advanced math and science courses (such as advanced-placement calculus, advanced-placement physics, etc.) typically earn the highest rates, which can be up to $85 per hour, according to Care.com.
6. Test Prep Instructor
Kaplan and other companies look for skilled test-takers to teach students how to succeed at important exams, including the SAT, ACT, MCAT, LSAT, GRE and GMAT, among others.
Generally, you’ll need to take a sample test to prove your testing prowess and perhaps even do a sample lecture to prove you can communicate well.
Instructors can earn $22.00 per hour for an SAT course, according to GlassDoor.
7. Personal Chef
Cook up a storm and fill your pockets with cash by working as a personal chef. Set up a weekly gig at someone’s house a few nights a week, cook a series of freezer meals for a client or work special events, crafting creations for individual tastes and needs.
Personal referrals are a great way to get these gigs, which pay an average of over $20 per hour (up to $45 per hour or more), according to Payscale.
8. Personal Assistant
Drop off dry cleaning for your client, get their car’s oil changed, take their dog for a walk and pick up a birthday gift for their friend — these are just a few things you may do as a personal assistant.
But running these errands can pay off, with top-earning personal assistants earning $25.22 per hour, according to Payscale.
The best way to get the highest-paying gigs is generally through word-of-mouth. Posting an ad or answering ads on Craigslist and other job forums can also help connect you with people in need of assistance.
FROM THE MAKE MONEY FORUM
9. Yoga Instructor
Teaching yoga can bring in an average of $24.88, which can go up to nearly $50 per hour, according to Payscale.
To get started as a yoga instructor, you’ll need to take a teacher training class. The most basic is typically 200 hours and includes training, instruction and a final exam. You can then advance your skills with higher-level courses.
10. Dog Walker
Take pups out for their walks and earn money up to $25.59 per hour as a dog walker, according to PayScale.
You can work for yourself or for a dog-walking company. You should have plenty of experience handling all different types of dogs. You should also be physically fit and able to confidently control the dogs when you’re out walking.
If you work for yourself, you can make the most at this gig. If you can handle a few dogs at once, you’ll be able to earn even more. But be sure to have all the insurance you may need.
A good way to start is to advertise your services at local pet-related businesses, such as groomers, boarding facilities, doggie daycares and pet supply stores.
11. Makeup Artist
Style bridal parties’ makeup, prepare theatrical stars for their big performances and get people ready for special events as a part-time makeup artist.
You can make more than $49.43 per hour helping people get ready for their big event.
Kristen Pope is a contributor to The Penny Hoarder.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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