The (FOR REAL) Best Credit Cards for Excellent Credit

credit card rewards worth it

Did you know that when you run a search like, “the best credit cards for excellent credit”, what you’re actually getting is a site’s list of all the cards that bribed their way into the running? In other words, out of a list of 10, there are typically 4 or 5 that shouldn’t be on there at all – their fees are high, the interest rate is terrible, and there’s no sign-on bonus – but they exist on the list because these cards pay the site owner handsomely to get themselves there.

….Annnd I’m disgusted enough by it to write a TRUE listing of the best credit cards for excellent credit.

Related: Why Your High Credit Score Doesn’t Impress Me

The Best Credit Cards for Excellent Credit

To be completely honest with you, I’m not even a big fan of credit cards. It just makes borrowing money way too easy. . . . → Read More: The (FOR REAL) Best Credit Cards for Excellent Credit

5 Reasons Your High Credit Score Doesn’t Impress Me

credit score matters

“Hey Derek, guess what? My credit score just got bumped up to 803! BOOM!!”

Okay…is that supposed to impress me? I mean, have you really sat down and thought about what your credit score means (both for you AND the bank)?? Long story short, your high credit score has nothing to do with wealth and therefore doesn’t impress me at all…but let’s make sure you understand why.

5 Reasons Your Credit Score Doesn’t Impress Me

The idea of the credit score was born with the banks. With the increase in demand for loans, they needed a way to quickly understand who would likely repay the loan and who would not. There were many varieties of credit score calculations throughout the years, but the one that stuck (and is now widely accepted as the credit score) is FICO’s credit score model, born in 1989.

Related: What’s Killing Your Credit Score? And . . . → Read More: 5 Reasons Your High Credit Score Doesn’t Impress Me

What If I Had a Zero Credit Score? The Pros and Cons…

zero credit score

Do you have a credit score of 740 or more? Well then you must be a financial success! Or maybe not….

What does that credit score really mean?

According to, a credit score is made up of five categories:

Payment history – do you pay your bills on time? Amounts owed – the lower the balance the better (but not stagnant at zero) Length of credit history – the longer the better New credit – some is okay, too much is a red flag Types of credit used – it’s best if you have credit cards and installment loans (car loan, student loans, etc.) and manage them responsibly

So let’s step back for one second here. After reviewing these five categories, what actions actually build up a high credit score?

You continually use debt, but you pay your bills on time You have student loans, car loans, mortgage loans, . . . → Read More: What If I Had a Zero Credit Score? The Pros and Cons…

8 Habits That Make or Break a Debt Free Journey

Moment of honesty: I created this list of habits that make or break a debt free journey pretty easily. Can you guess why?

Because it’s MY list. I’ve messed up on each one of these items at least once. ::cough:: Definitely more than once.

Over the last several years, I’ve developed some stronger habits, which ultimately led to my husband and I getting out of debt when I was 25. However, living a life of debt freedom doesn’t end with a paid off credit card. It’s a lifestyle.

In order for my husband and I to stay strong on our debt free journey (since we’re back in debt with our first mortgage), there are some habits we’ll need to keep practicing. If you’ve been down this road, then you know what I’m talking about.

This post has been written by Laura Harris, our fantastic staff writer.

8 Habits That . . . → Read More: 8 Habits That Make or Break a Debt Free Journey

How to Travel the World For (Almost) Free

travel the world

A few years ago, a close friend of mine told me about something called “travel hacking.” He explained to me the art of using points to pay for travel and accommodations.

At first I thought he was joking.

“People actually get to travel the world for free using points? Who are these people? Because everyone I know who has one of those cards has never gotten a free anything,” I said.

But, after further explanation, he convinced me that it can be done. By the end of the day I had signed up for my first rewards credit card and I was well on my way to learning the ways of travel hacking.

Fast forward a few years and I’ve gotten free flights on several different airlines. I’ve been all over the U.S. My family of four traveled for free a couple of years ago and I’ve managed to get . . . → Read More: How to Travel the World For (Almost) Free

Our Entire Financial Future, Controlled by Two Emotions


Did you know that your entire financial future can be summed up with just two emotions? Your purchases, investing, saving, giving, earning, and spontaneous spending, can all be explained because of a couple basic emotions known to each one of us. However, because many of us cannot control these two emotions, we end up unhappy and broke, but have a lot of stuff.

The First Emotion: Fear

When student first graduate from college, they are met with one of the biggest challenges of their entire lives: finding their first career job. Sure, there have been jobs before, but those were just to make a few bucks here and there. That job at the car wash, the restaurant, or for that mowing service; those were just short term to pay the bills and to hopefully put some money toward that college tuition. When that diploma enters your hands, things are . . . → Read More: Our Entire Financial Future, Controlled by Two Emotions

8 Benefits of Owning a Credit Card

get out of credit card debt


First of all, let me start with a huge warning: If you run the risk of falling into credit card debt, you should not get a credit card. I repeat: Do not get a credit card if there’s any chance you might start accruing debt.

Some people avoid credit cards because they don’t want to get into debt. That’s totally valid.

But if you can avoid carrying a balance, here are a list of reasons why credit cards can be good for you.

#1: Credit-Building. If you ever hope to make a major purchase in your life, such as a mortgage, then you will need a credit score. One easy and excellent way to build credit is through responsible credit card use. You can build a strong credit score by charging a small amount to your credit card (relative to your total credit limit) and paying the balance on-time . . . → Read More: 8 Benefits of Owning a Credit Card

How to Improve Your Credit Score and Make Money Doing It


Two days ago, I made $225 and improved my credit score by 20 points. Talk about a win-win! How would you like to do the same thing? No, this is not a gimmick that will cost you thousands of dollars in the near-future. It’s a simple, logical way to earn money while improving your credit score. But, before you read on, you have to promise me that you will be responsible with your money if you decide to follow my lead. Promise? Ok, good. Let’s figure out how to improve your credit score!

I Researched my Credit Score

A few months ago, I came to the realization that my credit score is actually important. While I pay for nearly everything with cash (yes, including cars), a good credit score is still necessary when it comes to job interviews. You might think this is absurd, but it’s true. One of . . . → Read More: How to Improve Your Credit Score and Make Money Doing It

How To Build Your Credit

What If I Had a Zero Credit Score


How many times do you think you hear about credit in a day? There’s TV ads, radio spots, billboards, and even co-workers! Credit is part of every day life and you simply can’t escape it! While I wish I could say that credit is meaningless if you pay cash for everything, I simply can’t.

Credit has become so ingrained in our society that it might even keep you from getting a job! That’s right, even Human Resources cares about your credit score. According to them, if you have a good credit score, you are more trustworthy and would make for a better employee. Pretty crazy, but it’s true! Let’s figure out how to build your credit score.

What Goes Into Your Credit Score?

According to, your credit score is affected by payment history, amounts owed, length of credit history, new credit, and the types of credit used.

. . . → Read More: How To Build Your Credit

Credit Card Dos and Don’ts


If this economy has you thinking about using credit cards for the cash back bonuses, you may want to think twice. Using credit cards effectively can be beneficial because you are earning money on the stuff you would normally spend anyway, but it can be dangerous and make you think you have more money than you actually do. In order to protect you from going into large amounts of consumer debt, consider these five do’s and don’ts when it comes to credit cards.

Credit Card Don’ts

DON’T Treat credit cards as a loan – The last thing that you want to do when it comes to using credit cards is to treat them as an easy-to-qualify-for loan. If you are wondering how to pay for college or any other major expense, you should consider other options first. While I always tell people to avoid debt of any kind, credit . . . → Read More: Credit Card Dos and Don’ts