Credit Cards: Everything You Need to Know

Category: Credit Cards

The world of credit cards can be confusing. The industry is constantly evolving. Keeping track of credit card features and benefits can be time consuming. Fioney is here to help maximize your credit card utility. From comprehensive guides, individual card reviews, the latest news, and tips to optimize your usage we have you covered.

Mesa app and homeowners card
Credit Cards

Mesa Updates Cardholders on Existing Rewards Balances

by Kyle Burbank
After an abrupt shutdown earlier this month, Mesa Homeowners card customers are getting a bit of good news about their rewards. The Latest on the Mesa Homeowners Card: On December 12th, when Mesa alerted credit card customers that their accounts would be closed, many had questions about what would become of their earned Mesa Points. In the meantime, some users found workarounds that allowed them to cashout points or even...
Bilt and Spirit logos with a Spirit airplane
Credit Cards

Bilt Adds Spirit Airlines as Latest Travel Point Transfer Partner

by Kyle Burbank
Bilt Rewards has unveiled a unique (and somewhat surprising) new transfer partner: Spirit Airlines. About the Bilt-Spirit Airlines Partnership: The list of Bilt Rewards travel transfer partners is expanding once again. Now, members can convert Bilt Points to Free Spirit points. This marks the first time that Spirit has offered loyalty program transfers. Similar to several other Bilt partners, points will transfer to Free Spirit at a rate of 1:1,...
Norwegian Cruise Line, Dining, and American Heard Association logos with a cruise ship in the background
Credit Cards

Chase Freedom Reveals First 5% Bonus Categories of 2026

by Kyle Burbank
With a mere couple of weeks before 2026 arrives, Chase has announced the 5% bonus categories for the first quarter of the new year. About the Q1 2026 5% Bonus Categories for Chase Freedom and Freedom Flex: Chase is kicking off 2026 with three bonus categories — including two that are brand-specific. From January 1st through March 31st, Freedom and Freedom Flex cardholders can earn up to 5% back on...
Mesa Homeowner Credit Card
Credit Cards

Mesa Abruptly Shuts Down Homeowners Credit Card

by Kyle Burbank
With little to no notice, the Mesa Homeowners Card is no more. About the Mesa Homeowners Card Shutdown: On December 12th, Mesa emailed Homeowners cardholders to inform them that their accounts were being closed. In turn, it advised that customers stop using their cards, update any recurring payments, and review their final card balance. Soon after, the Mesa site was updated with a message reading, "Effective as of December 12th,...
Chase Freedom Card
Credit Cards

Chase Freedom Unlimited Ups Welcome Offer for a Limited Time

by Kyle Burbank
A popular Chase card is currently offering an increased cashback welcome bonus. About the Chase Freedom Unlimited Welcome Offer For a limited time, new Chase Freedom Unlimited cardholders can score an enhanced welcome bonus. Right now, the card is offering $300 cashback after spending $500 on the card within the first three months from account opening. That's a 50% increase over the standard welcome bonus of $200 back after $500...
two Bank of America Signature Visa Cards with the USA Soccor and FIFA logos with a soccor goalie leaping to save a shot on goal
Credit Cards

Bank of America Unveils FIFA World Cup 2026 Card Designs

by Kyle Burbank
With Bank of America being the Official Bank of FIFA World Cup 2026, the issuer has announced two World Cup-inspired limited-edition credit card designs. About the Limited Edition FIFA World Cup 2026 Cards: In celebration of the upcoming 2026 FIFA World Cup, Bank of America is inviting cardholders to commemorate the occasion. Now, new Customized Cash Rewards and Unlimited Cash Rewards applicants can opt for a special World Cup card...
Mesa Card and Omni Hotel logos
Credit Cards

Mesa Partners with Omni Hotels for Latest Point Transfer Program

by Kyle Burbank
The Mesa Homeowners Card is growing its points transfer network, adding a unique hotel partner to its roster. About the Mesa and Omni Hotels Partnership: Omni Hotels & Resorts has joined Mesa as its latest travel transfer partner. Notably, this marks the first time Omni has partnered with any credit card point program to allow transfers. Now, Mesa members can convert Mesa Points to Omni Credits. Specifically, 30,000 Mesa Points...
collage of Discover Card 5% bonus categories for Q1 2026
Credit Cards

Discover Reveals 5% Bonus Categories for First Quarter of 2026

by Kyle Burbank
The new year is just around the corner — and Discover has revealed its 5% bonus category selections for the first quarter of 2026. About Discover’s Q1 2026 Bonus Category Selections: Starting on January 1st of next year, Discover It card customers will be able to earn up to 5% back in three categories: Grocery Stores, Wholesale Clubs, and Select Streaming Services. First up, the Grocery Stores category includes supermarkets,...
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Checking Account Review

2025 SoFi Checking and Savings Review

by Kyle Burbank
 Ever since I started taking an interest in the FinTech sector, one company whose name I’ve seen pop up over and over again is SoFi. That was later sent into overdrive as the company has not only become a household name thanks to its stadium naming rights deal but also because of the company’s continued product expansions. The most interesting development in my mind is SoFi’s acquisition of Golden Pacific...
Travelers with two Best Western Credit Cards
Credit Card News

Best Western Debuts Two New Rewards Credit Cards

by Kyle Burbank
After pausing applications for their previous rewards card, the hotel chain Best Western has unveiled a new pair of rewards credit cards with a new issuer. About the Best Western cards: Best Western is partnering with First Bank & Trust and Mercury Financial to introduce two new co-branded credit cards. First up is the no-annual-fee Best Western Rewards Visa Signature Card. With this card, customers can 4x points on Best...
Marriott Bonvoy card and a woman on vacation
Credit Card News

Marriott Bonvoy Bold Card Launches Travel Contest

by Kyle Burbank
Chase and Marriott Bonoy have unveiled a special contest while continuing to offer its best-ever welcome bonus. About the welcome bonus and Bold Chat Court Contest: Marriott Bonvoy and Chase have launched a special opportunity called the Bold Chat Court contest. As part of this contest, 10 lucky travelers will be awarded 500,000 Marriott Bonvoy points (for a total of 5 million) as well as $5,000. For this contest, the...
Bilt and All Reward logos
Credit Card News

Bilt Adds 2 New Transfer Partners Including First 3:2 Transfer Rate

by Kyle Burbank
Bilt is once again expanding its travel transfer rewards program — and is even breaking the mold with one new partner. About the new additions to Bilt: This week, Bilt launched partnerships with two more travel brands: TAP Air Portugal and Accor. As a result, Bilt members will now be able to transfer their points to Miles&Go and ALL Reward, respectively. In total, Bilt now has 18 transfer partners including 13...
PayPal Debit Card app
Checking Account Review

PayPal Debit Card Review: Earn Stackable 5% Cash Back

by Kyle Burbank
In recent weeks, PayPal debuted an updated debit card product (perhaps you've seen the incessant Will Ferrell commercials for it during football games?). With the launch of this card, the company known for online payments is encouraging customers to pay with them anywhere. To encourage such behavior, the debit card allows cardholders to earn 5% cashback — although, as you can imagine, there are some important restrictions on that. So,...