Key takeaways Capital One was approved to merge with Discover in a $35.3 billion deal. The merger could make Capital One less reliant on the Visa and Mastercard networks and potentially make Discover more competitive with American Express, Visa and Mastercard. Despite the merger, both issuers continue to offer competitive…
GaudiLab/Shutterstock.com Young adults, whether entering the workforce, in college or newly graduated, are entering a new season of earning income, managing finances and making money choices. An important step in the process is credit-building. Having a good credit score opens up opportunities for better housing, lower interest rates and approval…
PeopleImages/Getty Images Key takeaways By refinancing an FHA loan to a conventional loan, you could lower your interest rate and eliminate mortgage insurance payments. To qualify for a conventional refinance, you’ll need a minimum 620 credit score and a maximum debt-to-income ratio of 45 percent. Keep in mind that refinancing…
Key takeaways IHG One Rewards points are worth approximately 0.7 cents per point, per our recent valuations. However, members may get more or less value for their rewards depending on how they redeem them. There are several ways to maximize IHG One Rewards points for more value, including being flexible…
Trending
Spotlight This Week
More Articles
Personal Finance
San Francisco-based Chime, the largest digital bank in America, wants to go public at a price between $24 and $26…
President Trump’s 2026 budget would freeze spending for many services for older adults, deeply cut others, continue his efforts to…
A practice of Elon Musk and Tesla’s board raises questions about the company’s governance and the possible low valuation that…
While there has been much conversation on not buying from companies with poor diversity, little has been said about investing…
Featured Articles
Can You Find It At a Thrift Store? Clothing prices, like everything else have increased substantially and trying to buy everything brand new will put a serious dent in your budget. Consider going “thrifting” for some of your workplace clothing. Not only will you save…
Dept Managmnt
Key takeaways Scammers use texts, calls, emails and letters to create a false sense of urgency about debt repayment. Always ask for detailed…
Banking
For the fifth straight year, Forbes is partnering with market research firm Statista to rate insurance companies in the United States. But we…
Credit Cards
All News
With the Tax Cuts and Jobs Act (TCJA) set to expire at the end of 2025, tax policy is once again front and center. On May 22, 2025, the House passed a sweeping tax proposal, officially titled “One Big Beautiful Bill Act,” by a 215–214 vote. The bill aims to…
A personal guarantee on a credit card makes you personally responsible for all payments and any resulting debt charged to that card. A business card with no personal guarantee means you may be only partially liable or not liable at all for repaying the balance your business defaulted on. Business…
thianchai sitthikongsak/GettyImages; Illustration by Hunter Newton/Bankrate Key takeaways Despite growth, women-owned businesses still face challenges in obtaining funding, with a higher percentage of loan applications being denied compared to male-owned businesses. Women entrepreneurs can take advantage of various financing options, including SBA loans, crowdfunding, and grants, to help overcome funding…
Looking for the best apps for stock trading to get your money invested in the market? There’s a growing list of apps to choose from, which can make the search intimidating, especially if you’re just starting to invest. The best stock market apps let you quickly trade, track your account…
Key takeaways A business plan is the starting point of any business. Make sure your plan includes your product’s unique value, marketing strategy, and metrics for success. You’ll need to decide how you’ll fund startup costs for your business, whether through bootstrapping, a business loan or another form of funding.…
The new Trump tax plan could significantly reshape how families are taxed, especially with the Tax Cuts and Jobs Act (TCJA) set to expire at the end of 2025. On May 22, 2025, House Republicans passed a major Trump-backed bill, officially titled the “One Big Beautiful Bill Act,” by a…
Image by Getty Images; Illustration by Bankrate To pay or not to pay? That’s the question in my soul. Do I Venmo Uncle Sam, And put forgiveness hopes on hold? This lyric popped into my head as I pondered the meaning of debt management in the era of student loan…
The Trump-backed tax plan currently advancing through Congress could bring meaningful changes to how education expenses for homeschoolers are treated under federal tax law. Passed in the House on May 22, 2025, the “One Big Beautiful Bill Act” includes several provisions that indirectly benefit homeschooling families through expanded tax credits…
Yes, I stopped contributing to my 401(k) and paused all other types of investing to pay off my student loans. And no, I don’t regret it. Going against the grain not only helped me become debt-free, but after I paid off my loans, I was able to invest enough to…
ImagePixel/Getty Images; Illustration by Issiah Davis/Bankrate A cashier’s check is a secure form of payment since it’s paid for upfront and an authentic official bank check can’t bounce like a personal check. The bank may require you to wait up to 90 days before reissuing the check to allow time…
Editor's Pick
