Credit Cards

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Credit cards are a complicated topic. They can be misused and land us in debt but nevertheless, credit cards play an important role in our overall financial health. Whether you are looking for a secured card to build your credit, a cashback card that helps you get rewarded on day-to-day purchases, or travel rewards cards that help you travel more for less, do your research to figure out the best cards for you.

Different Categories of Credit Cards

Cashback Cards

Cashback credit cards reward you for using your card by offering cash back. This means you'll get a percentage of your spending back in the form of a statement credit or direct deposit, which you can use towards your next credit card statement.

B.F.F. Approved Cashback Cards

Balance Transfer Cards

Balance transfer cards allow users to transfer over high interest credit card balances to cards with lower interest rates. These can be a powerful tool to lower your overall monthly payments when you are paying off debt. Typically, balance transfer cards offer a 0% interest rate for an introductory period, which usually ranges from 12-18 months.

B.F.F. Approved Balance Transfer Cards

Travel Cards

Travel credit cards earn points that can be redeemed for flights, hotels, or other travel expenses. They often have lucrative sign on bonuses that help reduce or eliminate travel costs and can also come with other perks like travel protection, trip insurance, and priority boarding.

B.F.F. Approved Travel Cards

Best Card to Earn Points on Rent

We know rent is one of your biggest expenses every month and since it is paid by check or out of a checking account, you typically cannot earn points on this unless you pay a hefty 3% credit card transaction fee. Did you know there is a card that lets you earn points when you pay rent with no transaction fee? It’s the Bilt Mastercard®! We love that there is no annual fee and that it lets you earn points for something you have to pay for anyways. You earn 1X Bilt Points on rent payments (up to 100,000 points in a calendar year), 2X points on travel, 3X points on dining, and 1X points on other purchases. And on the 1st of each month, you can get double points on other purchases except for rent. See Rewards and Benefits. Just know that you must use the card at least 5 times each statement period to earn points. You can redeem points toward a credit on your next rent statement, travel, toward a future home down payment, and more!