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Chase Sapphire Preferred vs Capital One Venture: Which Should You Get?

Chase Sapphire Preferred vs Capital One Venture: Which Should You Get?

Chase Sapphire Preferred vs Capital One Venture: Which Should You Get?

When people talk about travel credit cards, the Chase Sapphire Preferred and the Capital One Venture, are almost always in the conversation. Both cards offer some of the biggest and most popular reward cards currently available and can be great options if you have excellent credit. They are also quite similar to each other. Because... Read More

5 Credit Cards That Help You Earn Hotel Elite Status

5 Credit Cards That Help You Earn Hotel Elite Status

5 Credit Cards That Help You Earn Hotel Elite Status

If you’re a frequent traveler, then having elite status at hotels can be pretty valuable. It will allow you to check into your room early or check out late. Status can get you upgraded to a bigger room with a nicer view. It can even award you with free breakfast or a complimentary drink in... Read More

Amazon’s Got a New 5% Cash Back Credit Card. Should You Apply?

Amazon’s Got a New 5% Cash Back Credit Card. Should You Apply?

Amazon’s Got a New 5% Cash Back Credit Card. Should You Apply?

Retail Giant Amazon.com has teamed up with Chase to release the Amazon Prime Rewards Visa Signature Card. The new card combines the best features of the Amazon Prime store card with the original Amazon Rewards Visa credit card — most notably, a whopping 5% cash back on all Amazon purchases for — you guessed it — Prime members.... Read More

Chase Is Slashing the Sapphire Reserve Signup Bonus. Is the Card Still Worth it?

Chase Is Slashing the Sapphire Reserve Signup Bonus. Is the Card Still Worth it?

Chase Is Slashing the Sapphire Reserve Signup Bonus. Is the Card Still Worth it?

The Chase Sapphire Reserve credit card made a big splash when it was introduced in August 2016. The card launched with a number of enticing travel rewards, and Chase was initially so swamped with applications, it literally ran out of the physical cards. One chief catalyst for the initial demand was the card’s mega-signup bonus.... Read More

5 Credit Cards That Can Help You Get a Fresh Start in 2017

5 Credit Cards That Can Help You Get a Fresh Start in 2017

5 Credit Cards That Can Help You Get a Fresh Start in 2017

The new year is officially here, and you’ve probably come up with a New Year’s resolution or two. If one of yours is to become more financially stable and improve your less-than-stellar credit, we’re here to help. Check out these five credit cards that can help you get a fresh start in 2017. Keep in mind that... Read More

Looking for a Balance Transfer Credit Card? Here’s 5 Things to Know

Looking for a Balance Transfer Credit Card? Here’s 5 Things to Know

Looking for a Balance Transfer Credit Card? Here’s 5 Things to Know

If you have found yourself dealing with high amounts of credit card debt, you might be feeling a little trapped. At times, it can seem like you are never going to get to the other side and become debt-free again. However, there are tools to use that can help you with your goals. One of... Read More

5 Credit Cards That Can Help You Pay Off Holiday Debt

5 Credit Cards That Can Help You Pay Off Holiday Debt

5 Credit Cards That Can Help You Pay Off Holiday Debt

The holiday season is officially over, and you’ve probably started assessing the damage done to your credit card balance. While no official numbers have been released, most were expecting retail sales to increase compared to 2015. If you ended up spending more than you had originally planned, don’t let it ruin the start to your... Read More

Chase Sapphire Preferred vs. Chase Sapphire Reserve: Should You Upgrade?

Chase Sapphire Preferred vs. Chase Sapphire Reserve: Should You Upgrade?

Chase Sapphire Preferred vs. Chase Sapphire Reserve: Should You Upgrade?

For many years, the Chase Sapphire Preferred was the card to carry if you wanted a premium travel credit card in your wallet. You could earn a generous signup bonus and extra points on travel and restaurant purchases — all for a very reasonable annual fee (currently $95, waived the first year). Then Chase decided it was... Read More

3 Credit Cards That Let You Give Points to Charity

3 Credit Cards That Let You Give Points to Charity

3 Credit Cards That Let You Give Points to Charity

Toward the end of every year, charitable giving always picks up. Partly because the holidays get people in the giving spirit. Other times, it’s because they are doing some end-of-year tax planning. No matter what the reason, charitable giving is a great thing because it helps so many people. But did you know that giving... Read More

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Certain credit cards and other financial products mentioned in this and other articles on Credit.com News & Advice may also be offered through Credit.com product pages, and Credit.com will be compensated if our users apply for and ultimately sign up for any of these cards or products. However, this relationship does not result in any preferential editorial treatment.

Hello, Reader!

Thanks for checking out Credit.com. We hope you find the site and the journalism we produce useful. We wanted to take some time to tell you a bit about ourselves.

Our People

The Credit.com editorial team is staffed by a team of editors and reporters, each with many years of financial reporting experience. We’ve worked for places like the New York Times, American Banker, Frontline, TheStreet.com, Business Insider, ABC News, NBC News, CNBC and many others. We also employ a few freelancers and more than 50 contributors (these are typically subject matter experts from the worlds of finance, academia, politics, business and elsewhere).

Our Reporting

We take great pains to ensure that the articles, video and graphics you see on Credit.com are thoroughly reported and fact-checked. Each story is read by two separate editors, and we adhere to the highest editorial standards. We’re not perfect, however, and if you see something that you think is wrong, please email us at editorial team [at] credit [dot] com,

The Credit.com editorial team is committed to providing our readers and viewers with sound, well-reported and understandable information designed to inform and empower. We won’t tell you what to do. We will, however, do our best to explain the consequences of various actions, thereby arming you with the information you need to make decisions that are in your best interests. We also write about things relating to money and finance we think are interesting and want to share.

In addition to appearing on Credit.com, our articles are syndicated to dozens of other news sites. We have more than 100 partners, including MSN, ABC News, CBS News, Yahoo, Marketwatch, Scripps, Money Magazine and many others. This network operates similarly to the Associated Press or Reuters, except we focus almost exclusively on issues relating to personal finance. These are not advertorial or paid placements, rather we provide these articles to our partners in most cases for free. These relationships create more awareness of Credit.com in general and they result in more traffic to us as well.

Our Business Model

Credit.com’s journalism is largely supported by an e-commerce business model. Rather than rely on revenue from display ad impressions, Credit.com maintains a financial marketplace separate from its editorial pages. When someone navigates to those pages, and applies for a credit card, for example, Credit.com will get paid what is essentially a finder’s fee if that person ends up getting the card. That doesn’t mean, however, that our editorial decisions are informed by the products available in our marketplace. The editorial team chooses what to write about and how to write about it independently of the decisions and priorities of the business side of the company. In fact, we maintain a strict and important firewall between the editorial and business departments. Our mission as journalists is to serve the reader, not the advertiser. In that sense, we are no different from any other news organization that is supported by ad revenue.

Visitors to Credit.com are also able to register for a free Credit.com account, which gives them access to a tool called The Credit Report Card. This tool provides users with two free credit scores and a breakdown of the information in their Experian credit report, updated twice monthly. Again, this tool is entirely free, and we mention that frequently in our articles, because we think that it’s a good thing for users to have access to data like this. Separate from its educational value, there is also a business angle to the Credit Report Card. Registered users can be matched with products and services for which they are most likely to qualify. In other words, if you register and you find that your credit is less than stellar, Credit.com won’t recommend a high-end platinum credit card that requires an excellent credit score You’d likely get rejected, and that’s no good for you or Credit.com. You’d be no closer to getting a product you need, there’d be a wasted inquiry on your credit report, and Credit.com wouldn’t get paid. These are essentially what are commonly referred to as "targeted ads" in the world of the Internet. Despite all of this, however, even if you never apply for any product, the Credit Report Card will remain free, and none of this will impact how the editorial team reports on credit and credit scores.

Our Owners

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm as a third party provider. Despite being owned by Progrexion, it is not the role of the Credit.com editorial team to advocate the use of the company’s other services. In articles, reporters may mention credit repair as an option, for example, but we’ll also be sure to note the various alternatives to that service. Furthermore, you may see ads for credit repair services on Credit.com, but the editorial team isn’t responsible for the creation or implementation of those ads, anymore than reporters for the New York Times or Washington Post are responsible for the ads on their sites.

Your Stories

Lastly, much of what we do is informed by our own experiences as well as the experiences of our readers. We want to tell your stories if you’re interested in sharing them. Please email us at story ideas [at] credit [dot] com with ideas or visit us on Facebook or Twitter.

Thanks for stopping by.

- The Credit.com Editorial Team