Key takeaways Citi’s ThankYou Rewards program provides many ways to earn and redeem points, offering flexibility and ease of redemption for cardholders. You can earn Citi ThankYou points through purchases or welcome bonuses. Redeeming your points can be done through cash, travel, gift cards or transferring, sharing and donating the…
Investors are on the hunt for the next big thing, and initial public offerings (IPOs) are some of their favorite places to find hot stocks for the year ahead. While the overall track record of IPOs is not that great in their first year, that’s not stopping investors from betting…
F.J. Jimenez/Getty Images Whether you were forced out of the workforce due to downsizing, a recession or other reasons, you might’ve retired thinking you were done with work for good. But unretirement might change that, whether it’s because you need the money, you miss the social engagement or some other…
Manon Allard/Getty Images A life insurance beneficiary can be a person, entity or organization you choose to receive the death benefit from your life insurance policy after you pass away. Once your beneficiary receives the payout, they can typically use the money however they want. In this guide, Bankrate insurance…
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Technology has transformed some parts of the daunting homebuying process–making it easier to search and compare properties online, to prepare…
The Covid pandemic crushed immigration and demand for Nova Credit’s tech. Then its founder discovered a second line of business.…
A perfect storm is brewing for millions of federal student loan borrowers, who may experience dramatic increases in their monthly…
As the Biden administration exits Washington, President-elect Donald Trump inherits a federal student loan system that looks much different than…
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Key takeaways Ordering checks online from third-party retailers is often a cheaper alternative to getting them from your bank. When choosing a check design, you can personalize it by selecting from a variety of options, including cause-related designs and the option to upload a custom…
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Debt settlement is when you negotiate with creditors to reduce the amount you owe in exchange for a lump sum payment. It might…
Banking
F or private financial technology companies, last year was a quiet one for fundraising. Fintechs raised $34 billion in 2024, down from $42…
Credit Cards
Key takeaways The Southwest Companion Pass is attainable by using Southwest credit card welcome bonuses to meet the 135,000-point requirement. Applying for a…
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The tax deadline will be here before you know it, and you may be seeking a way to file your tax return at no cost. The good news is there are a few different options to file your taxes for free in 2025 — and many of them offer guided…
You’ve heard of home equity lines of credit (HELOCs) and home equity loans, which let you borrow against the value of your home, getting ready cash for renovations, debt consolidation or anything else. But have you heard of a no-doc HELOC or home equity loan? Applicants for them don’t have…
We all spend money on things we know we probably shouldn’t. It could be fantasy football for some people and expensive craft beer for others. As with any spending, the key is how you balance it against the other needs and wants that compete for your dollars. In addition to…
For many retirees, securing a steady stream of income is a top priority. One way to protect against the risk of outliving your savings is through an income annuity, a financial product that provides guaranteed monthly payouts in exchange for a lump sum investment. Income annuities come in two forms:…
Key takeaways If you want to boost your chances of getting a credit card, knowing where your credit score falls on the spectrum can help. If you have limited credit history or no credit, you may have to start your credit-building journey with a secured credit card. Keeping your credit…
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict editorial policy, so you can trust that…
Key takeaways Credit card default can occur after six consecutive months of missed payments. Defaulting on a credit card can have significant consequences for your credit score and financial future. There are options for handling credit card default, such as negotiating with creditors and seeking help from a…
Americans have struggled to build their savings over the past year. Only about a third (30 percent) of U.S. adults had more emergency savings in 2024 than they did a year before, while 32 percent had less savings compared to a year before, according to Bankrate’s Emergency Savings Report. To…
Key takeaways If you don’t have a bank account and need to cash a check, you’ll likely wind up paying some hefty fees for the service. Cashing a check without a bank account carries some bigger risks – namely walking around with a wad of cash that can be lost…
Key takeaways Direct deposit transfers money electronically from your company’s payroll account into employees’ bank accounts. This method is less costly, more convenient, faster and safer than processing checks. Setting up direct deposit is a simple process of choosing a provider, gathering employee information, setting up payroll software and…
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