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.

a gift card wrapped in ribbon
Credit Cards

Bilt Boosting Gift Card Redemptions for July 2025 Rent Day

by Kyle Burbank
Bilt Rewards is back with another Rent Day promotion for July 2025. About July's Bilt Rent Day Gift Card Deal: On July 1st, Bilt Rewards members can take advantage of Rent Day by redeeming their Bilt Points for gift cards at enhanced rates. Similar to recent transfer partner offers, this redemption bonus is tiered, meaning that those with higher Bilt status will see larger bonuses. Here's a look at the...
AMEX Platinum Card
Credit Cards

Amex Offering Elevated Welcome Bonus for Platinum Card

by Kyle Burbank
With the revamped Chase Sapphire Reserve card making lots of headlines, Amex is looking to court new customers with an elevated welcome offer for its iconic Platinum Card. About the Platinum Card's Enhanced Welcome Bonus: The American Express Platinum Card is offering an increased welcome bonus. Currently, new cardholders can earn up 175,000 Membership Rewards points after spending $8,000 in purchases on the card within their first six months from...
Mesa Homeowner Visa Card and Points Transfer is Here announcement
Credit Cards

Mesa Adds Two More Transfer Partners to Homeowners Card

by Kyle Burbank
The Mesa Homeowners card is expanding its travel transfer partner program. About Mesa's Latest Travel Transfer Partners: Recently, Mesa added two more transfer partners to its platform: Air Canada and SAS (Scandinavian Airlines). As a result, Mesa customers can now transfer points to either program at a rate of 1:1 — meaning that 1,000 Mesa Points can be turned into 1,000 Aeroplan points or EuroBonus points. To get started, members...
Chase Sapphire Reserve Card
Credit Cards

Chase Sapphire Reserve Reveals Revamp, Increased Annual Fee

by Kyle Burbank
Following weeks of rumors and teases, Chase officially unveiled a major revamp for its flagship Chase Sapphire Reserve card. About the Updated Chase Sapphire Reserve Card: Chase is bringing a host of new credits to its popular Chase Sapphire Reserve card — while also making adjustments to its rewards rates and annual fee. First, Chase states that the updated card offers "over $2,700" in value. That starts with a $300...
Chase Freedom Card with four Q3 2025 bonus category icons
Credit Cards

Chase Freedom Reveals 5% Bonus Categories for Q3 2025

by Kyle Burbank
Chase has unveiled its third quarter 2025 5% bonus category selections. About the Chase 5% Bonus Categories for Q3 2025: From July 1st through September 30th, Chase Freedom and Freedom Flex customers can earn up to 5% back in four categories: Gas Stations, EV Charging, Select Live Entertainment, and Instacart. First, the Gas Stations category includes automotive gasoline paid for either at the pump or inside the station. However, merchants...
Discover It Cards
Credit Cards

2025 Discover It Card Review: Still Feeling “It” After All These Years

by Kyle Burbank
Many years ago now, following what I called my financial awakening, I found that I was suddenly in the market for a new rewards credit card. This led me to start researching various cards before ultimately landing on my final choice: the Discover It card. Before we get into my hands-on review, let me explain what I liked about this card on paper and why I ultimately applied for it....
4 Citizen credit cards
Credit Cards

Citizens Bank Premieres Four New Credit Card Options

by Kyle Burbank
Citizens Bank is rolling out a new suite of credit cards, meeting the needs of multiple customers. About Citizens' New Card Line-Up: Today, Citizens introduced four new cards: Citizens Amp Mastercard Citizens Spring World Mastercard Citizens Summit World Mastercard Citizens Summit Reserve World Elite Mastercard Starting with the Citizens Amp Mastercard, this no-annual-fee card is designed for those looking to establish and build credit. Specifically, the card is available to...
Delta credit card and app
Credit Cards

Elevated Delta SkyMiles Credit Card Welcome Bonuses Available

by Kyle Burbank
With the summer travel season upon us, American Express and Delta have rolled out elevated limited-time offers for many of their SkyMiles credit cards. About the Limited-Time Welcome Bonuses: Those applying for one of three Delta SkyMiles American Express consumer credit cards can currently earn enhanced welcome bonuses. Starting with the Delta SkyMiles Gold American Express Card, new cardholders can now earn 80,000 bonus SkyMiles after spending $3,000 on the...
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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...
Rakuten: Where it pays to shop.
Financial

A Look at How Rakuten (Ebates) Works in 2026

by Kyle Burbank
Since taking an interest in personal finance, one site I’ve come across again and again is Rakuten, formerly Ebates. If you’re still unfamiliar, Rakuten is a cashback site — and is the largest of its kind by far, boasting deals from over 3,500 retailers. Its popularity has endured even with the odd Rakuten re-branding and the platform remains one of my most-used money-saving tools. Since joining Rakuten / Ebates some...
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...