Free Yourself from High Interest Credit Card Debt with the Chase Freedom Unlimited® Card

RateZip has partnered with CardRatings for our coverage of credit card products. RateZip and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

If you’re struggling with high interest credit card debt, you may be interested in a balance transfer credit card. These cards offer a low interest rate (or sometimes even a 0 percent interest rate) and allow you to transfer an existing debt from your current credit card. By having a lower or 0 percent interest rate, you are able to pay down your debt faster and spend less money on interest!

Our highlighted balance transfer credit card for this month is the Chase Freedom Unlimited® Card. This card has an introductory APR of 0% for the first 15 months after account opening on all purchases and balance transfers, giving you the potential to save on credit card debt! In addition to a very attractive intro APR, the Chase Freedom Unlimited® Card has no annual fee and multiple ways to earn rewards.

With this card, you can earn an additional 1.5% cash back on all purchases (for up to $20,000 spent) during your first year after account opening thanks to their intro offer. That’s worth as much as $300 cash back! You can earn 6.5% cash back on travel purchased using the Chase Ultimate Rewards® program, 4.5% cash back on restaurants and drugstore purchases, and 3% cash back on all other eligible purchases during your first year for up to $20,000. After one year has passed, or after you have spent $20,000, you can still earn 5% cash back on travel purchased using Chase Ultimate Rewards®, 3% cash back on restaurants and drugstore purchases, and 1.5% cash back on all other eligible purchases.

Ultimate Rewards® is Chase’s rewards program and has options to redeem rewards for cash back, gift cards, travel, and many other options! There is no minimum amount required to redeem for cash back, and rewards don’t expire for the life of your account. If you opt for cash back, you can receive a statement credit or you can choose to get your cash directly deposited into most U.S. savings or checking accounts!

Finally, one additional perk of Chase is the Chase Credit Journey tool, a free tool that allows you to review your credit, your most-recent credit score, get alerts about your credit, and more! Utilizing the Chase Credit Journey tool, plus getting a balance transfer credit card, can be a great way to tackle your credit debt and take control of your credit.

Interested in other balance transfer credit cards? Review more options below!

Chase Freedom Unlimited®

Citi Simplicity® Card

Citi® Double Cash Card

Chase Slate Edge℠

Citi Rewards+® Card

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Annual Fee: $0

Annual Fee: $0

Annual Fee: $0

Annual Fee: $0

Annual Fee: $0

  • Intro APR: 0% Intro APR for 15 months on all purchases and balance transfers.

  • Intro APR: 0% Intro APR for 21 months for balance transfers. Balance transfers must be made within the first 4 months of account opening. An introductory balance transfer fee of $5 or 3% of the transfer amount (whichever is greater) will be charged.

  • Intro APR: 0% Intro APR for 18 months for balance transfers. An introductory balance transfer fee of $5 or 3% of the transfer amount (whichever is greater) will be charged on balance transfers made within the first 4 months.

  • Intro APR: 0% Intro APR for the first 18 months after account opening for purchases and balance transfers.

  • Intro APR: 0% Intro APR on balance transfers for the first 15 months after the date of the first transfer. An introductory balance transfer fee of $5 or 3% of the transfer amount (whichever is greater) for transfers made within the first 4 months after account oppening.

  • Perks:

  • 1.5% Additional Cash Back for up to $20,000 spent during the first year

  • 5% Cash Back on Travel purchased through Chase Ultimate Rewards®

  • Perks:

  • 0% Intro APR for 12 months after account opening on all purchases.

  • No Late Fees and No Annual Fee

  • Perks:

  • You can earn 2% on eligible purchases by earning 1% cash back when you purchase and 1% cash back when you pay for your purchase. The minimum payment must be met in order to earn cash back.

  • Perks:

  • You can lower your interest rate by as much as 2% every year. When you spend a minimum of $1,000 using your card by the aniversary of your account opening, you are automatically considered for an APR reduction.

  • Perks:

  • Earn 20,000 points when you spend $1,500 during the first three months after account opening

  • 2x ThankYou® Points at Supermarkets and Gas Stations for up to $6,000 annually

RateZip has partnered with CardRatings for our coverage of credit card products. RateZip and CardRatings may receive a commission from card issuers.

How to Get Companies to Give You Low Prices

Bargain hunting can be time-consuming, confusing, and sometimes down-right frustrating! Wouldn’t it be easier if companies came to you, offering low prices and great deals? Here’s a secret – they will, if you know where to look! Banks, power suppliers, and other companies all want your business, and with a few easy steps, you can get them to show you amazing deals! Keep on reading to learn how.

Start Your Journey to Excellent Credit

Having a good credit score unlocks all types of opportunities, from lower mortgage rates to better deals on car insurance. Having a great credit score is awesome, but if your score is less than ideal, it’s easy to feel left out. After all, who doesn’t want to save? But don’t worry – you can get total credit coverage today through ExtraCredit! With ExtraCredit, you can check and monitor your credit score, work on building your score, protect your identity, and earn cash rewards! ExtraCredit is a great service even if your credit score is already awesome, by continuously monitoring for threats and for ways to improve your score. If you want to take control of your credit score, get ExtraCredit today!

Save On Auto Insurance

How long have you had your current auto insurance? While some auto insurance companies offer discounts for loyalty, many others will keep you paying the same rate or even raise your premiums if you’re not careful. That’s why it’s always smart to compare your current policy to new offers, to make sure you’re getting the best deal. Even if you don’t have any auto insurance yet but are in the market for auto insurance, comparing today’s offers could help you find a plan that offers great coverage for a low cost. Click here to start comparing auto insurance companies now!

Get Cash Fast with a Personal Loan

Personal loans can be used for almost anything, from home renovations to luxury vacations to emergency bills! These loans often range from $1,000 all the way up to $100,000. By comparing top personal loan lenders, you can find one that offers a low interest rate and payment terms that work for you. Don’t accept the first personal loan offer you get – be sure to compare it with at least two or three other personal loan lenders, so that you can choose the one that works best for you. Doing so is a good financial move and will let the lender know you’re a smart borrower.

Earn Money Faster with a Savings Accounts

Are you keeping your money in a savings account that earns just a few cents a year (or maybe a dollar, if you’re really lucky?) Or maybe you have a checking account that doesn’t earn any interest at all? You can do better! MyBankingDirect offers a High Yield Savings Account with a 4.05% APY for balances over $1! The national average APY in January of 2023 was just 0.21%, which makes MyBankingDirect’s 4.05% APY over 19 times higher! High yield savings accounts are a risk-free way to grow your money, and with no monthly or maintenance fees, MyBankingDirect’s account is a very attractive option! Start learning more by clicking here!

Cut Down Your Electric Bill

Electricity costs keep on rising, but what your power company doesn’t want you to know is you may be eligible to convert to solar energy, at no cost to you! That’s right – you could switch to solar energy with all costs covered, then benefit from huge savings as your monthly energy bill drops! Check now to see if you live in a qualifying area and are eligible to benefit from this program.

Give Your Windows an Energy-Saving Tune-Up

If you don’t have energy-efficient windows, you could be wasting hundreds of dollars each year! Old windows can leak heat in the winter and cool air in the summer, often making it necessary to waste more energy on heating or cooling your house. That’s why replacing your windows with energy-efficient windows is one of the best renovations you can do! Start saving now by switching to energy-efficient windows!

Today’s Top Credit Card Intro Offers

RateZip has partnered with CardRatings for our coverage of credit card products. RateZip and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms Apply.

Capital One Venture Rewards Credit Card

Chase Sapphire Preferred® Card

Citi Premier® Card

The Platinum Card® from American Express

Citi Rewards+® Card

Learn More

Learn More

Annual Fee: $95

Annual Fee: $95

Annual Fee: $95

Annual Fee: $695 (rates and fees)

Annual Fee: $0

  • Intro Offer: 75,000 miles if you spend $4,000 within the first 3 months of account opening

  • Intro Offer: 60,000 points when you spend $4,000 during the first three months after account opening

  • Intro Offer: 60,000 points after you spend $4,000 during the first 3 months after account opening

  • Intro Offer: 80,000 points if you spend $6,000 within the first 6 months after account opening

  • Intro Offer: 20,000 points when you spend $1,500 during the first three months after account opening

  • Rewards:

  • 5x miles on Rental Cars and Hotels booked through Capital One Travel

  • 2x miles on Everyday Purchases

  • Rewards:

  • 5x points on travel when you book through Chase Ultimate Rewards®

  • 3x points on restaurants

  • 2x points on all other travel purchases, plus more!

  • Rewards:

  • 3x points on supermarkets, restaurants, gas stations, air travel, and hotels

  • 1x points on all other purchases

  • Rewards:

  • 5x points on flights booked through an airline or on American Express Travel for up to $500,000 per calendar year

  • 5x points on prepaid hotels booked through American Express Travel

  • Rewards:

  • 2x ThankYou® Points at Supermarkets and Gas Stations for up to $6,000 annually

  • 1x ThankYou® Points on all other eligible purchases

When you go to sign up for a new credit card, you may read about about an introductory offer, sometimes called a sign-up bonus or welcome bonus. But how do these intro offers work, and what’s their appeal?

For credit cards where you can earn rewards, an intro offer will often be a large amount of reward points or miles that you can earn on the condition that you use your new card to spend a certain amount within a certain time frame. For example, you may see a card that offers 50,000 points if you spend $5,000 within the first three months, or something along those lines. This can be a great way to earn a large amount of rewards fast, as long as you spend the minimum amount required to get the bonus. You can then use these rewards in a variety of ways – some card issuers allow you to get cash back, spend points on travel, get gift cards, and more! Be sure to research the rewards program of the card you choose to find out how to best take advantage of it.

Not all intro offers are equal. Some cards will offer a larger amount of rewards, or require you to spend more to earn the reward, or have a longer time period in which you can earn it. Ideally, the best intro offer has a large amount of reward points for a reasonable amount to spend, in a time period that’s long enough to allow you to reach the spending goal. When comparing intro offers, look for the amount you can earn, the amount you have to spend, and the time period in which you have to spend it, and use this knowledge to determine which intro offer is right for you.

Card issuers often offer attractive sign-up bonuses if you open a new account, but how do these intro offers compare? We’ve collected some of our favorite intro offers below based on the amount of rewards you can earn, the amount you have to spend, and the time limit in which you can earn the reward. Read on to see if these intro offers are right for you!

Card

Annual Fee

Intro Offer

Rewards

Our Rating:

Chase Sapphire Preferred® Card

  • $95

  • 60,000 points when you spend $4,000 during the first three months after account opening

  • 5x points on travel when you book through Chase Ultimate Rewards®; 3x points on restaurants; 2x points on all other travel purchases, plus more!

The Chase Sapphire Preferred® Card offers rewards for travel, dining, and select other purchases! What really makes this card stand out is their intro offer: earn 60,000 bonus points that you can earn when you spend $4,000 during the first three months after your account is opened. If you redeem your rewards through Chase Ultimate Rewards®, that’s a value of $750! Plus with Trip Cancellation & Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more, you can rest easy when you travel. The rewards system can take a bit of effort to master, but for the benefits you get, it’s well worth it

Learn More

Card

Annual Fee

Intro Offer

Rewards

Our Rating:

Citi Rewards+® Card

  • $0

  • 20,000 points when you spend $1,500 during the first three months after account opening

  • 2x ThankYou® Points at Supermarkets and Gas Stations for up to $6,000 annually; 1x ThankYou® Points at Supermarkets and Gas Stations after the first $6,000 per year; 1x ThankYou® Points on all other eligible purchases.

The Citi Rewards+® Card has an intro offer of 20,000 ThankYou® Points if you spend $1,500 during the first three months after account opening, which is redeemable for $200 in gift cards on ThankYou.com. However, the star feature of this card is its annual bonus for redeeming rewards, which lets you receive 10% of your points back after you redeem, for as much as 100,000 points per year! That means you have chances to earn not only when you first get this card, but annually as you earn and redeem ThankYou® Points. And because every purchase is rounded up to the nearest 10 points, you can earn even more! This card has a $0 annual fee, but on the downside, the 2x ThankYou® Points on Supermarket and Gas Station purchases is limited to the first $6,000 each year.

Learn More

Card

Annual Fee

Intro Offer

Rewards

Our Rating:

Capital One Venture Rewards Credit Card

  • $95

  • 75,000 miles if you spend $4,000 within the first 3 months of account opening

  • 5x miles on Rental Cars and Hotels booked through Capital One Travel; 2x miles on Everyday Purchases

The Capital One Venture Rewards Credit Card has a sign-on bonus of 75,000 miles if you spend $4,000 within the first three months of opening up your card account! It also offers the ability to earn five times the miles on rental cars and hotels that are booked through Capital One Travel and can two times the miles on everyday purchases. Because miles don’t expire for the life of your account and there’s no limit to the amount of miles you can earn, the Capital One Venture Rewards Credit Card is a great way to rack up rewards! This card has an annual fee of $95 and is only available for those with good or excellent credit, but if you have a great credit score and are looking for a rewards travel card, this could be the one for you!

Learn More

Card

Annual Fee

Intro Offer

Rewards

Our Rating:

Citi Premier® Card

  • $95

  • 60,000 points after you spend $4,000 during the first 3 months after account opening

  • 3x points on supermarkets, restaurants, gas stations, air travel, and hotels; 1x points on all other purchases.

The Citi Premier® Card combines the benefits of a travel credit card with a general rewards credit card, as well as having an attractive intro offer of 60,000 bonus points after you spend $4,000 during the first 3 months after account opening! You can earn 3 points for every $1 spent at supermarkets, restaurants, gas stations, and air travel and hotels, as well as 1 point for every $1 spent on all other purchases. With an annual fee of $95, this credit card offers a significant amount of rewards for the cost.

Learn More

Card


Annual Fee

Intro Offer

Rewards

Our Rating:

The Platinum Card® from American Express

  • 80,000 points if you spend $6,000 within the first 6 months after account opening

  • 5x points on flights booked through an airline or on American Express Travel for up to $500,000 per calendar year; 5x points on prepaid hotels booked through American Express Travel

The Platinum Card® from American Express is a luxury card that offers impressive perks such as luxury lounge access, Hilton Honors gold status (enrollment is required), no foreign transaction fees, and five times the rewards points earned on flights booked either through an airline or on American Express Travel for up to $500,000 per calendar year! In addition, you can earn five times the rewards points on prepaid hotels that have been booked through American Express Travel. This card currently has an intro offer that allows you to earn 80,000 points if you spend at least $6,000 within the first six months after opening your account, which has a value of approximately $800 when booking through American Express Travel (one rewards point is worth around one cent). Because this is a luxury card, it has a more expensive annual fee: $695. However, it does have an attractive intro offer, and does allow more time to meet the earning requirement than most other cards. Terms apply.

Learn More

RateZip has partnered with CardRatings for our coverage of credit card products. RateZip and CardRatings may receive a commission from card issuers.

For rates and fees of the Platinum Card® from American Express, please visit https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/platinum-card/26129-10-0#offer-terms

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. RateZip does not review every company or every offer available on the market.

Top Credit Card Intro Offers

RateZip has partnered with CardRatings for our coverage of credit card products. RateZip and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms Apply.

Capital One Venture Rewards Credit Card

Chase Sapphire Preferred® Card

Citi Premier® Card

The Platinum Card® from American Express

Citi Rewards+® Card

Learn More

Learn More

Annual Fee: $95

Annual Fee: $95

Annual Fee: $95

Annual Fee: $695 (rates and fees)

Annual Fee: $0

  • Intro Offer: 75,000 miles if you spend $4,000 within the first 3 months of account opening

  • Intro Offer: 60,000 points when you spend $4,000 during the first three months after account opening

  • Intro Offer: 60,000 points after you spend $4,000 during the first 3 months after account opening

  • Intro Offer: 80,000 points if you spend $6,000 within the first 6 months after account opening

  • Intro Offer: 20,000 points when you spend $1,500 during the first three months after account opening

  • Rewards:

  • 5x miles on Rental Cars and Hotels booked through Capital One Travel

  • 2x miles on Everyday Purchases

  • Rewards:

  • 5x points on travel when you book through Chase Ultimate Rewards®

  • 3x points on restaurants

  • 2x points on all other travel purchases, plus more!

  • Rewards:

  • 3x points on supermarkets, restaurants, gas stations, air travel, and hotels

  • 1x points on all other purchases

  • Rewards:

  • 5x points on flights booked through an airline or on American Express Travel for up to $500,000 per calendar year

  • 5x points on prepaid hotels booked through American Express Travel

  • Rewards:

  • 2x ThankYou® Points at Supermarkets and Gas Stations for up to $6,000 annually

  • 1x ThankYou® Points on all other eligible purchases

Card issuers often offer attractive sign-up bonuses if you open a new account, but how do these intro offers compare? We’ve collected some of our favorite intro offers below based on the amount of rewards you can earn, the amount you have to spend, and the time limit in which you can earn the reward. Read on to see if these intro offers are right for you!

Card

Annual Fee

Intro Offer

Rewards

Our Rating:

Chase Sapphire Preferred® Card

  • $95

  • 60,000 points when you spend $4,000 during the first three months after account opening

  • 5x points on travel when you book through Chase Ultimate Rewards®; 3x points on restaurants; 2x points on all other travel purchases, plus more!

The Chase Sapphire Preferred® Card offers rewards for travel, dining, and more! What really makes this card stand out is their intro offer: earn 60,000 bonus points that you can earn when you spend $4,000 during the first three months after your account is opened. If you redeem your rewards through Chase Ultimate Rewards®, that’s a value of $750! Plus with Trip Cancellation & Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more, you can rest easy when you travel. The rewards system can take a bit of effort to master, but for the benefits you get, it’s well worth it

Learn More

Card

Annual Fee

Intro Offer

Rewards

Our Rating:

Citi Rewards+® Card

  • $0

  • 20,000 points when you spend $1,500 during the first three months after account opening

  • 2x ThankYou® Points at Supermarkets and Gas Stations for up to $6,000 annually; 1x ThankYou® Points at Supermarkets and Gas Stations after the first $6,000 per year; 1x ThankYou® Points on all other eligible purchases.

The Citi Rewards+® Card has an intro offer of 20,000 ThankYou® Points if you spend $1,500 during the first three months after account opening, which is redeemable for $200 in gift cards on ThankYou.com. However, the star feature of this card is its annual bonus for redeeming rewards, which lets you receive 10% of your points back after you redeem, for as much as 100,000 points per year! That means you have chances to earn not only when you first get this card, but annually as you earn and redeem ThankYou® Points. And because every purchase is rounded up to the nearest 10 points, you can earn even more! This card has a $0 annual fee, but on the downside, the 2x ThankYou® Points on Supermarket and Gas Station purchases is limited to the first $6,000 each year.

Learn More

Card

Annual Fee

Intro Offer

Rewards

Our Rating:

Capital One Venture Rewards Credit Card

  • $95

  • 75,000 miles if you spend $4,000 within the first 3 months of account opening

  • 5x miles on Rental Cars and Hotels booked through Capital One Travel; 2x miles on Everyday Purchases

The Capital One Venture Rewards Credit Card has a sign-on bonus of 75,000 miles if you spend $4,000 within the first three months of opening up your card account! It also offers the ability to earn five times the miles on rental cars and hotels that are booked through Capital One Travel and can two times the miles on everyday purchases. Because miles don’t expire for the life of your account and there’s no limit to the amount of miles you can earn, the Capital One Venture Rewards Credit Card is a great way to rack up rewards! This card has an annual fee of $95 and is only available for those with good or excellent credit, but if you have a great credit score and are looking for a rewards travel card, this could be the one for you!

Learn More

Card

Annual Fee

Intro Offer

Rewards

Our Rating:

Citi Premier® Card

  • $95

  • 60,000 points after you spend $4,000 during the first 3 months after account opening

  • 3x points on supermarkets, restaurants, gas stations, air travel, and hotels; 1x points on all other purchases.

The Citi Premier® Card combines the benefits of a travel credit card with a general rewards credit card, as well as having an attractive intro offer of 60,000 bonus points after you spend $4,000 during the first 3 months after account opening! You can earn 3 points for every $1 spent at supermarkets, restaurants, gas stations, and air travel and hotels, as well as 1 point for every $1 spent on all other purchases. With an annual fee of $95, this credit card offers a significant amount of rewards for the cost.

Learn More

Card


Annual Fee

Intro Offer

Rewards

Our Rating:

The Platinum Card® from American Express

  • 80,000 points if you spend $6,000 within the first 6 months after account opening

  • 5x points on flights booked through an airline or on American Express Travel for up to $500,000 per calendar year; 5x points on prepaid hotels booked through American Express Travel

The Platinum Card® from American Express is a luxury card that offers impressive perks such as luxury lounge access, Hilton Honors gold status (enrollment is required), no foreign transaction fees, and five times the rewards points earned on flights booked either through an airline or on American Express Travel for up to $500,000 per calendar year! In addition, you can earn five times the rewards points on prepaid hotels that have been booked through American Express Travel. This card currently has an intro offer that allows you to earn 80,000 points if you spend at least $6,000 within the first six months after opening your account, which has a value of approximately $800 when booking through American Express Travel (one rewards point is worth around one cent). Because this is a luxury card, it has a more expensive annual fee: $695. However, it does have an attractive intro offer, and does allow more time to meet the earning requirement than most other cards. Terms apply.

Learn More

RateZip has partnered with CardRatings for our coverage of credit card products. RateZip and CardRatings may receive a commission from card issuers.

For rates and fees of the Platinum Card® from American Express, please visit https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/platinum-card/26129-10-0#offer-terms

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. RateZip does not review every company or every offer available on the market.

Top Travel Credit Cards for 2023

RateZip has partnered with CardRatings for our coverage of credit card products. RateZip and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms Apply.


Capital One Venture Rewards Credit Card

Chase Sapphire Preferred® Card

Citi Premier® Card

The Platinum Card® from American Express

U.S. Bank Altitude® Connect Visa Signature® Card

Learn More

Learn More

Learn More

Annual Fee: $95

Annual Fee: $95

Annual Fee: $95

Annual Fee: $695 (rates and fees)

$0 Intro Fee for the First Year, then $95 Annually

  • Intro Offer: 75,000 miles if you spend $4,000 within the first 3 months of account opening

  • Intro Offer: 60,000 points when you spend $4,000 during the first three months after account opening

  • Intro Offer: 60,000 points after you spend $4,000 during the first 3 months after account opening

  • Intro Offer: 80,000 points if you spend $6,000 within the first 6 months after account opening

  • Intro Offer: 50,000 points if you spend $2,000 on eligible purchases within 120 days after opening your account

  • Rewards:

  • 5x miles on Rental Cars and Hotels booked through Capital One Travel

  • 2x miles on Everyday Purchases

  • Rewards:

  • 5x points on travel when you book through Chase Ultimate Rewards®

  • 3x points on restaurants

  • 2x points on select other purchases

  • Rewards:

  • 3x points on supermarkets, restaurants, gas stations, air travel, and hotels

  • 1x points on all other purchases

  • Rewards:

  • 5x points on flights booked through an airline or on American Express Travel for up to $500,000 per calendar year

  • 5x points on prepaid hotels booked through American Express Travel

  • Rewards:

  • 5x points on car rentals and prepaid hotels booked through the Altitude Rewards Center

  • 4x points on travel, gas stations, and EV charging stations

Whether you’re traveling for work, visiting family, or enjoying a vacation, it’s important that your credit card is the best one for you. Not all credit cards are the same, and some are actually better for frequent travelers! We reviewed some of the best credit cards for traveling and have highlighted our favorite cards below!

Capital One Venture Rewards Credit Card

  • Annual Fee: $95
  • Intro Offer: 75,000 miles if you spend $4,000 within the first 3 months of account opening
  • Rewards: 5x miles on Rental Cars and Hotels booked through Capital One Travel; 2x miles on Everyday Purchases
  • Other Perks: Miles don’t expire for the life of your account, and there’s no limit to the amount of miles you can earn. Get up to a $100 credit on a Global Entry or TSA PreCheck® application.

For frequent travelers who like earning and using miles, the Capital One Venture Rewards Credit Card offers the ability to earn five times the miles on rental cars and hotels that are booked through Capital One Travel! You can also earn two times the miles on everyday purchases. In addition, as a sign-on bonus, you can earn 75,000 miles if you spend $4,000 within the first three months of opening up your card account. Because miles don’t expire for the life of your account and there’s no limit to the amount of miles you can earn, the Capital One Venture Rewards Credit Card is a great way to rack up rewards and use them for future traveling! This card has an annual fee of $95 and is only available for those with good or excellent credit, but if you have a great credit score and are looking for a rewards travel card, this could be the one for you!

Learn More

Chase Sapphire Preferred® Card

  • Annual Fee: $95
  • Intro Offer: 60,000 points when you spend $4,000 during the first three months after account opening
  • Rewards: 5x points on travel when you book through Chase Ultimate Rewards®; 3x points on restaurants; 2x points on select other purchases.
  • Other Perks: Trip Cancellation & Interruption Insurance, Auto Rental Collision Damage Waiver, and Lost Luggage Insurance.

For occasional travelers and frequent travelers alike, the Chase Sapphire Preferred® Card offers rewards for travel, dining, and select other purchases! In fact, you can earn five times the rewards on travel booked through Chase Ultimate Rewards®, three times the rewards on dining, and two times the rewards on select other purchases. What really makes this card stand out is their intro offer: earn 60,000 bonus points that you can earn when you spend $4,000 during the first three months after your account is opened. If you redeem your rewards through Chase Ultimate Rewards®, that’s a value of $750! Plus with Trip Cancellation & Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more, you can rest easy when you travel. The rewards system can take a bit of effort to master, but for the benefits you get, it’s well worth it!

Learn More

Citi Premier® Card

  • Annual Fee: $95
  • Intro Offer: 60,000 points after you spend $4,000 during the first 3 months after account opening
  • Rewards: 3x points on supermarkets, restaurants, gas stations, air travel, and hotels; 1x points on all other purchases.
  • Other Perks: Points have no expiration and no limit on the amount you can earn. No foreign transaction fees.

The Citi Premier® Card combines the benefits of a travel credit card with a general rewards credit card! You can earn 3 points for every $1 spent at supermarkets, restaurants, gas stations, and air travel and hotels, as well as 1 point for every $1 spent on all other purchases. Plus the Citi Premier® Card has an intro offer where you can earn 60,000 bonus points after you spend $4,000 during the first 3 months after account opening. With an annual fee of $95, this credit card offers a significant amount of rewards for the cost.

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The Platinum Card® from American Express

  • Annual Fee: $695 (rates and fees)
  • Intro Offer: 80,000 points if you spend $6,000 within the first 6 months after account opening
  • Rewards: 5x points on flights booked through an airline or on American Express Travel for up to $500,000 per calendar year; 5x points on prepaid hotels booked through American Express Travel
  • Other Perks: Luxury lounge access. Hilton Honors gold status (enrollment is required). No foreign transactions fees. Terms apply.

The Platinum Card® from American Express is a luxury card that offers impressive perks such as luxury lounge access, Hilton Honors gold status (enrollment is required), no foreign transaction fees, and five times the rewards points earned on flights booked either through an airline or on American Express Travel for up to $500,000 per calendar year! In addition, you can earn five times the rewards points on prepaid hotels that have been booked through American Express Travel. This card currently has an intro offer that allows you to earn 80,000 points if you spend at least $6,000 within the first six months after opening your account, which has a value of approximately $800 when booking through American Express Travel (one rewards point is worth around one cent). Because this is a luxury card, it has a more expensive annual fee: $695. But if you intend to travel a significant amount, the intro bonus and the significant benefits this card offers can make the fee worth it!

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U.S. Bank Altitude® Connect Visa Signature® Card

  • Annual Fee: $0 Intro Fee for the First Year, then $95 Annually
  • Intro Offer: 50,000 points if you spend $2,000 on eligible purchases within 120 days after opening your account
  • Rewards: 5x points on car rentals and prepaid hotels booked through the Altitude Rewards Center; 4x points on travel, gas stations, and EV charging stations; 2x points on eligible streaming services, grocery stores, and restaurants; 1x points on other eligible purchases.
  • Other Perks: $30 credit on eligible streaming services. $100 credit on TSA PreCheck® or Global Entry® applications once every four years. Points never expire.

The U.S. Bank Altitude® Connect Visa Signature® Card has multiple ways to earn rewards points! You can earn five times the points on car rentals and prepaid hotels that are booked through the Altitude Rewards Center, and four times the points on travel, gas stations, and EV charging stations. You can also earn two times the points on eligible streaming services, plus get a $30 credit for streaming purchases including Netflix, Hulu, Spotify, and more! Finally, you can get two times the points at grocery stores and restaurants, and one times the points for any other eligible purchase. Points never expire, and you can earn 50,000 bonus points through the U.S. Bank Altitude® Connect Visa Signature® Card into offer by spending $2,000 on eligible purchases during the 120 days after you open your account! This card has a $0 annual fee for the first year, after which the annual fee becomes $95. This is a great card for both travel and general rewards, with a very reasonable intro fee even after the introductory fee period.

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RateZip has partnered with CardRatings for our coverage of credit card products. RateZip and CardRatings may receive a commission from card issuers.

For rates and fees of the Platinum Card® from American Express, please visit https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/platinum-card/26129-10-0#offer-terms

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. RateZip does not review every company or every offer available on the market.

If You’re a Costco Member, You Need to See These Offers

Costco members have the chance to save big time with the following deals and promotions! If you’re a Costco member, check out how to save on energy costs, auto insurance, and more!

Save on Auto Insurance

How long have you had your current auto insurance? While some auto insurance companies offer discounts for loyalty, many others will keep you paying the same rate or even raise your premiums if you’re not careful. That’s why it’s always smart to compare your current policy to new offers, to make sure you’re getting the best deal. Whether you want cheaper premiums, better coverage, are trying to insure a new car, or want to change your auto insurance completely, comparing auto insurance offers is free, easy, and can put you on the road to save even more cash!

Get Better Savings Rates

Did you know banks will actually pay you to keep your money in their accounts? Savings Accounts and Certificate of Deposits (or CDs, as they’re more commonly known) pay a percentage of your balance in interest in return for banking with them! CDs offer a higher APY than traditional savings accounts because they have fixed terms, during which the consumer agrees not to withdraw that money and instead allows the bank to use it. Savings accounts have more flexibility, but often have a lower APY. Whether you’re looking for a higher guaranteed return from a CD or more flexibility with a Savings Account, earning interest on money you already have is a no-brainer! Different banks will offer accounts with different APYs, and some have promotions that give you even more bang for your buck! In order to get the best deal, compare multiple bank accounts to find one with a high APY, low fees, and other features that works for you!

Cut Power Costs with Solar

Electricity costs keep on rising, but what your power company doesn’t want you to know is you may be eligible to convert to solar energy, at no cost to you! That’s right – you could switch to solar energy with all costs covered, then benefit from huge savings as your monthly energy bill drops! Check now to see if you live in a qualifying area and are eligible to benefit from this program.

Install Energy Efficient Windows

If you don’t have energy-efficient windows, you could be wasting hundreds of dollars each year! Old windows can leak heat in the winter and cool air in the summer, often making it necessary to waste more energy on heating or cooling your house. That’s why replacing your windows with energy-efficient windows is one of the best renovations you can do! Start saving now by switching to energy-efficient windows!

Get a Personal Loan

Personal loans can be used for almost anything, from home renovations to luxury vacations to emergency bills! These loans often range from $1,000 all the way up to $100,000. By comparing top personal loan lenders, you can find one that offers a low interest rate and payment terms that work for you. Don’t accept the first personal loan offer you get – be sure to compare it with at least two or three other personal loan lenders, so that you can choose the one that works best for you. Doing so is a good financial move and will let the lender know you’re a smart borrower.

Monitor Your Credit and Build Your Score

Having a good credit score unlocks all types of opportunities, from lower mortgage rates to better deals on car insurance. Having a great credit score is awesome, but if your score is less than ideal, it’s easy to feel left out. After all, who doesn’t want to save? But don’t worry – you can get total credit coverage today through ExtraCredit! With ExtraCredit, you can check and monitor your credit score, work on building your score, protect your identity, and earn cash rewards! ExtraCredit is a great service even if your credit score is already awesome, by continuously monitoring for threats and for ways to improve your score. If you want to take control of your credit score, get ExtraCredit today!

5 Ways to Combat Rising Electric Costs

Rising Electric Costs Will Soon Affect Your Area – Here’s What You Can Do About It

At a time when inflation has driven prices up for everything from groceries to furniture, residents of the US are soon to have another unwelcome surprise: a bigger electricity bill.

Reduced supply to natural gas has increased its cost, forcing power companies to pass the burden on to customers. But that doesn’t mean there aren’t steps you can take to combat these higher prices! Check out these suggestions below to save on energy costs!

Convert to Solar Energy at No Cost to You

Electricity costs keep on rising, but what your power company doesn’t want you to know is you may be eligible to convert to solar energy, at no cost to you! That’s right – you could switch to solar energy with all costs covered, then benefit from huge savings as your monthly energy bill drops! Check now to see if you live in a qualifying area and are eligible to benefit from this program.

Save on Heating and Cooling Bills with Energy Efficient Windows

If you don’t have energy-efficient windows, you could be wasting hundreds of dollars each year! Old windows can leak heat in the winter and cool air in the summer, often making it necessary to waste more energy on heating or cooling your house. That’s why replacing your windows with energy-efficient windows is one of the best renovations you can do! Start saving now by switching to energy-efficient windows!

Renovate your Home with a Home Improvement Loan

Renovating your home to include more energy-efficient appliances, insulation, or remodeling can be costly at first, but ultimately save you money in the long run. While these renovations can save on electricity, big expenses like these are often too expensive to put on a credit card. Taking out a home improvement loan can fund your home upgrade while not using up all of your credit limit. Even better, renovations tend to add to your house’s value, which can be useful if you ever sell your home!

Cut Costs by Switching your Auto Insurance

Another way to combat rising power prices is by finding other ways to save in your budget. How long have you had your current auto insurance? While some auto insurance companies offer discounts for loyalty, many others will keep you paying the same rate or even raise your premiums if you’re not careful. That’s why it’s always smart to compare your current policy to new offers, to make sure you’re getting the best deal. Whether you want cheaper premiums, better coverage, are trying to insure a new car, or want to change your auto insurance completely, comparing auto insurance offers is free, easy, and can put you on the road to save even more cash!

Get More Bang for your Buck with High Savings Rates

Did you know banks will actually pay you to keep your money in their accounts? Savings Accounts and Certificate of Deposits (or CDs, as they’re more commonly known) pay a percentage of your balance in interest in return for banking with them! CDs offer a higher APY than traditional savings accounts because they have fixed terms, during which the consumer agrees not to withdraw that money and instead allows the bank to use it. Savings accounts have more flexibility, but often have a lower APY. Whether you’re looking for a higher guaranteed return from a CD or more flexibility with a Savings Account, earning interest on money you already have is a no-brainer! Different banks will offer accounts with different APYs, and some have promotions that give you even more bang for your buck! In order to get the best deal, compare multiple bank accounts to find one with a high APY, low fees, and other features that works for you!

People Born Before 1965 Can Get Huge Savings with These Offers!

Senior Citizens have access to savings like never before thanks to these discounts and promotions! If you were born before 1965, check out these top offers of 2022.

Find a Bank Account with Better Savings

Did you know banks will actually pay you to keep your money in their accounts? Savings Accounts and Certificate of Deposits (or CDs, as they’re more commonly known) pay a percentage of your balance in interest in return for banking with them! CDs offer a higher APY than traditional savings accounts because they have fixed terms, during which the consumer agrees not to withdraw that money and instead allows the bank to use it. Savings accounts have more flexibility, but often have a lower APY. Whether you’re looking for a higher guaranteed return from a CD or more flexibility with a Savings Account, earning interest on money you already have is a no-brainer! Different banks will offer accounts with different APYs, and some have promotions that give you even more bang for your buck! In order to get the best deal, compare multiple bank accounts to find one with a high APY, low fees, and other features that works for you!

Tap Into Your Equity with a Reverse Mortgage

If you’re 62 or older, you can utilize a Reverse Mortgage to help finance your retirement! With a reverse mortgage, you can borrow from the equity in your home and use the funds however you wish. If you’ve paid off all or most of your mortgage, then you could be sitting on a gold mine of equity. A reverse mortgage allows you to access that equity in either a lump sum, fixed payment amount, or a line of credit. Even better, there’s no monthly payment to the lender required, and the loan only has to be repaid when the last borrower sells the house, moves out, or dies. Planning to utilize a reverse mortgage can help add additional cash to fund your retirement. You can click here to see if a reverse mortgage is right for you!

Drive Happy with Auto Insurance Savings

How long have you had your current auto insurance? While some auto insurance companies offer discounts for loyalty, many others will keep you paying the same rate or even raise your premiums if you’re not careful. That’s why it’s always smart to compare your current policy to new offers, to make sure you’re getting the best deal. Whether you want cheaper premiums, better coverage, are trying to insure a new car, or want to change your auto insurance completely, comparing auto insurance offers is free, easy, and can put you on the road to save even more cash!

Save On your Energy Bill with Solar

Electricity costs keep on rising, but what your power company doesn’t want you to know is you may be eligible to convert to solar energy, at no cost to you! That’s right – you could switch to solar energy with all costs covered, then benefit from huge savings as your monthly energy bill drops! Check now to see if you live in a qualifying area and are eligible to benefit from this program.

Take Advantage of this Window of Opportunity

If you don’t have energy-efficient windows, you could be wasting hundreds of dollars each year! Old windows can leak heat in the winter and cool air in the summer, often making it necessary to waste more energy on heating or cooling your house. That’s why replacing your windows with energy-efficient windows is one of the best renovations you can do! Start saving now by switching to energy-efficient windows!

Get a Brand-New Walk-In Tub

Walk-in tubs significantly decrease the chances of slipping or falling in the bathroom, while still providing the luxury of a bath. If you’re in the market for a walk-in tub, it makes sense to find one that has great reviews and competitive pricing. We think this brand has the best value due to its affordability and quality – check it out now to get your free quote!

Our Favorite Financial Advisor Firms for 2022

These five financial advisor firms have ranked as our Top 5 in the United States for 2022:

Why These Firms

In RateZip’s review of top financial advisement firms in the US, we considered the following factors:

  • Whether a firm is a Fee-Only Firm (who only earn money through what their clients pay them) or a Fee-Based Firm (who can earn money through other fees, including commissions from insurance policies, executing trades, and more). Fee-Based Firms may have a conflict of interest when it comes to their clients as they can be trying to earn additional commissions.
  • The firm’s individual client count. Firms who serve a larger number of individuals are ranked higher than firms who service mostly institutions or corporations. This is because they often specialize in financial products that most often concern you as an individual, such as wealth management, retirement planning, tax help, and more!
  • The number of years that a firm has been in business. Well-established firms with many years of business often have more expertise.
  • The amount of clients-per-advisor that a firm has. If a firm has a lower clients-per-advisor ratio, then typically each advisor will have more time to focus on their clients.
  • The total amount of assets that the firm manages.

The above list may include firms that currently or in the past have had a business relationship with RateZip. RateZip did not earn compensation for including any of the above firms on this list. RateZip may earn compensation for matching you with one of our vetted financial advisor firm partners.

Working with an Advisor can Grow your Wealth!

Pandemics, inflation, recessions, rising interest rates – all of these things can dramatically affect your portfolio. What may have seemed like a cushy retirement amount could quickly get swallowed up, leaving you needing more funds than you have. Furthermore, selling stocks or other investments due to fear or confusion could lock in losses, cutting off the potential for future growth. Financial advisors help individuals navigate their finances in a way that minimizes loss and maximizes growth. In fact, according to a study published in the Journal of Retirement, those who work with a financial advisor often feel more confident about their finances and can earn approximately 15% more in retirement funds.1

Let’s look at some numbers: A 2022 study from Vanguard found that if an advisor managed a theoretical $500,000 investment, on average, it would grow to more than $3.4 million over a 25-year span. The same theoretical investment would grow to an average of $1.69 million over 25 years if it was self-managed. That’s 50% less! This means that portfolios managed by a financial advisor see an average of 8% annualized growth over 25 years, versus only 5% annualized growth from self-managed portfolios. That 3% difference ends up turning into a huge amount of money!2

The majority of adults in the United States say they need to handle their finances better, yet only 29% work with a financial advisor!3  If you haven’t considered a financial advisor yet, or if you don’t know where to start, try our online quiz to get matched with a financial advisor today.

Working with a Vetted Advisor, Matched to Meet Your Needs!

It’s important to learn about the top financial advisement firms in the US, but more than that, it’s important to work with an advisor who is best for you. You need someone who specializes in your unique situation, whether that’s tax management, investing, retirement planning, or more!

That’s why RateZip has developed a free online quiz that asks basic information about your financial situation, what you need advisement on, and what your financial goals are. You’re then matched with up to three financial advisors who have been vetted to meet our standards. All of the advisors we work with have been thoroughly screened, and only those who pass our due diligence process are allowed to be matched. Once you have your matches, you can compare them based on advisement strategies, customer service, and personalities, and choose the one you like best!

The best part about RateZip’s matching quiz? It’s free, easy to use, and there is no obligation to work with any of your matches! These are simply suggestions that might work well for your situation based off of the information you provide – but if you decide they’re not for you, that’s no problem!

The best way to be in control of your finances is to be well-informed. That’s why we want to keep giving you information about financial advisors and help you find a financial advisor suited to your unique needs and goals.

References:

1. “The Use and Value of Financial Advice for Retirement Planning,” The Journal of Retirement (Winter 2020) https://jor.pm-research.com/content/7/3/46

2. “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha®,” Advisor’s Alpha Perspectives (July 2022) https://advisors.vanguard.com/iwe/pdf/IARCQAA.pdf

3. “Planning and Progress Study 2020” Northwestern Mutual (2020) https://news.northwesternmutual.com/planning-and-progress-2020

Here’s How Much a Financial Advisor Actually Costs

Hiring a financial advisor may not cost as much as you think – but is it worth it?

In today’s world, we rely on the knowledge of others to better our own lives. From avoiding products that have 1-star reviews to looking up cooking tutorials and recipes, we turn to expert knowledge and experience for guidance. Why, then, do so many people do their own finances with minimal research or outside help? Or worse – ignore their financial futures completely?

Many Americans wrongly assume that financial advisors are expensive and charge fees for services that people can just do themselves. However, most financial advisors are much more affordable than people think, and provide suggestions and resources that can be worth more than their actual fee.

One Fidelity Study estimated that advice from a financial advisor can add between 1.5% and 4% growth to a consumer’s account over a period of time. * On the costs side, most financial advisors will charge a percentage fee between 0.59% and 1.18% for the assets the manage (often called Assets Under Management, or AUM). ** That means that over time, the benefits of a financial advisor are likely to outweigh the costs, putting you in better control of your finances!

To give a concrete example, if you had a $50,000 account, the AUM fee for a financial advisor might be 1.18%, or $590. If the advice you receive helps grow your account between the expected 1.5% and 4%, you could end up with between $750 and $2,000 worth of growth over time! The financial advice literally pays for itself, and then some. That being said, not every financial advisor has the same fee schedule. Other common fee schedules can be seen below:

Fee TypeFee Cost
AUM Percentage Fee0.59% to 1.18% annually
Fixed Fee$7,500 for portfolios less than $500,000
Hourly Fee$120 to $300 per hour
Please note these examples are for illustrative purposes only and may be different than what financial advisors charge in your area. All costs and fees for your financial advisor should be carefully reviewed prior to services being performed.

With most financial advisors being affordable and eager to help, why do many Americans avoid partnering with one? Another common reason is that they don’t know how to find a financial advisor, which ones to trust, whether they’re priced competitively, or how proficient they are. After all, if you’re going to spend money on a financial advisor, you want to get the best – but determining which advisor is the “best” can seem impossible!

To help everyday consumers find financial advisors, we’ve vetted top advisors from all over the country and engineered a free quiz to match consumers with advisors based on pricing, specialties, and more! After answering some easy questions about your current financial situation, you’ll be matched with financial advisors that have been pre-screened to fulfill your needs. You’ll then have the ability to compare your matches and even contact them for a free evaluation, giving you the ability to choose the advisor that works best for you!

Don’t wait – compare financial advisors today and take better care of your finances!

Sources:
*“Why Work With a Financial Advisor?”, Fidelity (November 2021) https://www.fidelity.com/viewpoints/investing-ideas/financial-advisor-cost
** “What are the Average Financial Advisor Fees & Investment Fees Being Charged in 2021?”, AdvisoryHQ (July 2021). https://www.advisoryhq.com/articles/financial-advisor-fees-wealth-managers-planners-and-fee-only-advisors/