Your Guide to College Student Credit Cards and the Best Cards Out There

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Should a college student get a credit card?  That’s certainly a heated question.

One the one hand, it’s terribly easy for a young adult to get themselves into credit card debt they may regret years after they graduate. Students loans are bad enough without other debt looming over you.

On the other hand, a credit card can be a great tool to help a college student with their cash flow as well as be a means to build up their credit history early on.  Used wisely a credit card can help a student achieve an excellent credit history and score by the time they graduate.

Sure a student can use cash or a debit card to make payments.  It’s probably a good idea most of the time.  But neither of those options help a student build up a credit history.

Once a college student hits the “real world,” and maybe even before, they may find that their credit score can be used for things as diverse as getting a job, getting a cell phone, or renting an apartment.  Building up excellent credit early on is a clear incentive to have a credit card in college.

It’s Tougher for Students to Get Credit Cards These Days

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PerkStreet Financial Online Checking is Shutting Down (What Happens to My Money?)

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It’s a sad time for online checking.  PerkStreet Financial will be closing its doors for good on September 26th, 2013.

“Who is PerkStreet,” you might ask?

PerkStreet was (look I’m already using them in the past tense) an online bank that provided online checking accounts with fair fees.  And they weren’t just checking either.  They tried to make checking online rewarding for their customer by giving cash back and rewards when you used your PerkStreet debit card for purchases.

Many people loved PerkStreet as an alternative to credit cards.  It’s easy to rack up charges that are too big to pay off in full with a credit card (for some people).  With a debit card you can only spend what is in your account.  Using PerkStreet for purchases kept people accountable to their money — they couldn’t spend what they didn’t have.

Another aspect many loved with PerkStreet was their fees, or lack of.

They were part of an ATM network that had over 42k locations so it was pretty easy to find an ATM so you wouldn’t get hit with fees for being stuck with an out-of-network ATM.  They also offered up online checking with no monthly fees and no minimums to open an account.

PerkStreet was a breath of fresh air in an age where brick and mortar banks have been slowly taking more out of customer’s pockets with different fees.

But no more.

If PerkStreet is So Great Why Are They Closing?

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Review: Starwood Preferred Guest® Credit Card from American Express

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Are you looking for an incredible travel rewards credit card that allows you to earn free nights at high-end hotels and resorts AND can be used towards airline miles programs?

How about a card that, besides rewards, comes with additional travel benefits, purchase protections, and more?

Then look no further than the Starwood Preferred Guest® Credit Card from American Express.

Starpoint® Rewards Program

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10 Tricks to Get Cheaper Textbooks (Because Tuition is Expensive Enough!)

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When I went back to school some years ago I expected tuition to be higher, and it was.  That wasn’t a shock though.  I know that tuition goes up every year and how expensive it is.  I was prepared for that.

Know what shocked me?  I was shocked at how expensive textbooks had become!

I found that some textbooks were easily $100+, some lots more.  I quickly realized I had to figure out how to get cheaper textbooks!

Here are some great ways to save on your textbooks and get them for less:

how to save on textbooks

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TurboCharge Your Costco Savings! TrueEarnings Card from Costco and American Express Review

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Are you a member of Costco, or thinking about it?  Want to make your dollar go even further there?

Then the TrueEarnings® Card from Costco and American Express may be for you.

Shopping at Costco (or any warehouse store) is one of those things you have to evaluate – is it worth it for your family at its current size and eating/spending habits?  Buying in bulk can sometimes mean great savings but it can also be deceptive and even cost more than your local grocery store when all is said and done.

If you’ve calculated that Costco is right for you, the TrueEarnings Card from Costco and American Express can help you earn cash back on your purchases there and elsewhere.

Let’s review the TrueEarnings Card a little more in-depth and explore how you can combine this credit card with Costco’s Executive membership for extra savings:

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Make Your Travel Easier and Less Expensive – Credit Cards With Travel Rewards 2014

Do you find yourself traveling often, perhaps for work or pleasure?

Using a credit card that offers travel rewards is a great way to earn extra perks or get a little back for your trips (sometimes a lot back).  Traveling can be expensive and a travel rewards card can go a long way to earning something back for your spending.

We all like getting something back, don’t we?

There are a number of different travel reward cards out there.  Among them you can find benefits like:

  • Earning free nights at hotels;
  • Earning hotel upgrades;
  • Earning free flights;
  • Not paying foreign transaction fees;
  • Earning free car rentals;
  • And more…

The cards below offer a variety of these benefits as well as others.

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Why Isn’t My House Selling and How to Finally Get Your House Sold

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You’ve had your house on the market for a while now and you’re asking yourself “why isn’t my house selling?”

People sniff around but no one is biting.  What’s going on?!?

Yes, the market may have a lot to do with it but houses do sell so there’s probably more than the market at play here.  Let me give you some clues why your house isn’t selling so you can finally get your house sold.

11 Reasons Why Your House Isn’t Selling and How to Finally Get Your House Sold

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