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Why I have 21 credit cards, and how I decide which ones to keep

Why I have 21 credit cards, and how I decide which ones to keep
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Canceling a credit card can impact your credit score.
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This page includes information about the Discover it® Cash Back product, which is currently not available on Insider and may be out of date.
Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. ....

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Discover it Secured Credit Card review: Build credit, earn cash back

Discover matches cash back after your first account year
Cons
You must fund the security deposit from a bank account
No Annual Fee, earn cash back, and build your credit with responsible use.
It s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can t help you build a credit history.
Establish your credit line with your tax return by providing a refundable security deposit of at least $200 after being approved. Bank information must be provided when submitting your deposit.
Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit. ....

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Delta Platinum Amex card review: Companion certificate and great bonus

Review: Is the Delta SkyMiles Platinum American Express the best credit card for you?
Along with a welcome bonus of 90,000 bonus miles after you spend $3,000 in purchases in the first 3 months from account opening, one Delta SkyMiles® Platinum American Express Card benefit can easily wipe out the annual fee cost (and then some). Each year on your card anniversary, you ll receive a Delta companion certificate to use when you book an eligible paid Delta flight. A companion can come along with you for just the cost of taxes and fees and on expensive routes, the savings can be substantial.
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The BlockFi Bitcoin credit card waitlist is open — should you apply?

As you continue to see Bitcoin in headlines everywhere you turn, should you apply to have one of these cards land in your mailbox? Weigh these key considerations before adding your name to the waitlist.
We re focused here on the rewards and perks that come with each card. These cards won t be worth it if you re paying interest or late fees. When using a credit card, it s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
Does the BlockFi Bitcoin credit card have an annual fee?
The card s rewards currency may be new, but it includes a common component of all cards in the premium market: a cost to carry it. Cardholders have to hand over a $200 annual fee. In the first year, you ll offset this via a slight twist on a traditional sign-up bonus: $250 in bitcoin after spending $3,000 in the first three months. There s an additional incentive in the second quarter of account ownership: 3.5% back in bitcoin on al ....

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Delta SkyMiles Gold Amex card review: A great bonus and benefits

Review: Is the Delta SkyMiles Gold American Express card the best credit card for you?
If you travel on Delta, even occasionally, the Delta SkyMiles® Gold American Express Card is worth considering. Along with a welcome bonus of 70,000 bonus miles after you spend $2,000 in purchases in your first 3 months from account opening, cardholders receive perks that can save money and time when they fly Delta including a free first checked bag, priority boarding, and a 20% discount on inflight purchases.
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The Delta SkyMiles® Gold American Express Card has an annual fee of $99, waived for the first year (See Rates), but it s worth it even if you only use the benefits a few times a year. The card also earns 2x miles at restaurants, U.S. supermarkets, and on Delta purchases, and 1 mile per dollar on everything else and Delta miles never expire. ....

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