Personal Finance
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Sarah Hostetler

Sarah Hostetler

Sarah Hostetler is a freelance writer and has been featured on Million Mile Secrets and The Points Guy. She covers topics on points and miles, credit cards, airlines, hotels, and general travel.

Articles by Sarah Hostetler

best rewards credit cards

Best Rewards Credit Cards in November 2023

Opening the best rewards credit cards can mean hundreds of dollars in cash back each year, free travel, discounts at your favorite restaurants, and more.

Best Cash Back Credit Cards

Best Cash Back Credit Cards for November 2023

Whether the lion’s share of your spending is on dining, groceries, gas, or online shopping, we’ve identified the best cash back credit cards for your style.

Total Visa Card Review

Total Visa Card Review 2023

The Total Visa credit card may be a necessary evil to overcome the messy credit history you’ve accumulated. Close it as soon as it’s served its purpose.

Mileston credit card review

Milestone® Mastercard® Review 2023

Built into the Milestone Mastercard® are traps that those new to credit (or with poor credit habits) may easily spring. Sky-high fees and interest rates make it dangerous.

credit score

How Do I Check My Credit Score

Knowing your credit score can help you to understand realistic options when it comes to applying for credit cards—and even spot things like fraudulent activity.

fair credit score

What Is A Fair Credit Score

A fair credit score isn’t sufficient to thrive in the world of credit. Let’s look at what you can expect with such a score as well as some ways to increase it.

What is a good apr for a credit card

What Is a Good APR for a Credit Card?

The lower the APR the better, but if you’re responsible with your credit card, you’ll rarely or never encounter an interest payment.

types of visa cards

What Is the Difference Between the 3 Types of Visa Credit Cards: Traditional, Signature, and Infinite?

The type of Visa credit card you have is meaningful. The higher the tier, the more valuable your benefits might be, such as travel insurance, discounts, and purchase protection.

soft credit pull credit cards

Best Soft Pull Credit Cards for November 2023

Hard inquiries on credit card applications temporarily lower your credit score. This is why soft pull credit cards are so useful.

best store credit card

Best Store Credit Cards for November 2023

You’ve almost certainly been standing at checkout and staring down the barrel of a painfully rehearsed store credit card pitch. Did you take the bait?

Southwest Rapid Rewards Plus Credit Card Review 2023

The Southwest Plus Card is good for those that fly Southwest once or twice per year—and it can fast-track you to one of the undisputed best deals in travel.

best auto loan companies

Best Auto Loan Refinance Lenders for November 2023

It can be time-consuming and daunting to sift through the (seemingly endless) possibilities to find the best auto refinance lender for you. We’ve narrowed down the options to help you make the best choice.

build credit

6 Ways to Build Credit Without A Credit Card

There are loads of ways to improve your credit profile that don’t involve credit cards. Some don’t even require an application of any sort.

Public App Review

Public App Review

The Public app has a lot going for it, but experienced investors will be underwhelmed. And that’s OK—Public doesn’t claim to be the most well-rounded choice.

upgrade credit card review

Upgrade Credit Card Review 2023

The Upgrade Credit Card has almost a parental relationship with its cardholders. Whether you consider that a pro or a con depends on your perspective.

Disney World

Disney® Visa® Card Review 2023

Disney lovers can get real value from the Disney Visa Card. The card’s undoing comes from the fact that Chase issues another, far more valuable Disney card.

Delta SkyMiles Gold AmEx Review

Delta SkyMiles Gold AmEx Review 2023

Even if you only fly Delta once or twice per year, you’re sure to find the Delta SkyMiles Gold Card’s $99 annual fee well worth it.

Capital One VentureOne Rewards credit card review

Capital One VentureOne Rewards Credit Card Review

Capital One VentureOne is one of the only no-annual-fee credit cards that gives you the power to transfer rewards directly to airlines and hotels.

Capital One Credit Cards

Capital One QuicksilverOne Cash Rewards Credit Card Review: A Good Alternative If You Want to Build Credit

The Capital One QuicksilverOne Cash Rewards Credit Card is a beginner credit card that offers a respectable return on spending and benefits like free Uber One membership (for a limited time).

Avant credit card review

Avant Credit Card Review 2023

The purpose of the Avant Credit Card is to give those with “fair”credit a chance to eventually qualify for better credit cards.

apply for credit card

Does Applying for a Credit Card Hurt Your Credit?

If you use your credit responsibly, you’ll be able to increase your credit score far beyond what it was before you submitted your application.

Hilton Honors American Express Card Review

Hilton Honors American Express Card Review 2023

The Amex Hilton Card offers a bonus worth far more than its competitors—and it unlocks a perk that can save you tens of thousands of points on a single stay.

credit utilization ratio

Credit Utilization Ratio: All You Need to Know

Endeavor to keep your credit utilization below 30%. That’s the key to harnessing the “amounts owed” component of your credit score and keeping your credit healthy.

charge card vs credit card

The Difference Between a Charge Card and a Credit Card

There are really only a couple of dissimilarities—but they’re doozies. Before you go applying for one or the other, you should know what they are.

Delta Skymiles Reserve Credit Card Review

Delta SkyMiles Reserve American Express Card Review

The Amex Delta Reserve’s $550 annual fee is one of the easiest to justify for Delta flyers. You’ll save more than $1,000 each year with a bit of strategy.

Debt Management Plan

Does a Debt Management Plan Affect Credit?

A debt management plan is one of the least painful ways to climb out from under the thumb of crippling credit card balances.

credit card scams

Credit Card Scams to Know in 2023 (and How to Avoid Them)

Diligence goes a long way in preventing credit card fraud. The best thing you can do is empower yourself with information on current common grifts.

Defaulting on Credit Cards

Defaulting on Credit Cards: Why It Happens and What to Do

Defaulting on a credit card is one of the worst things you can do for your credit. Here’s how to avoid it—and what to do if you’re already experiencing default.

credit card grace period

Credit Card Grace Period: What It Is And How It Works

Did you know that you can receive what essentially amounts to a short-term loan from the bank without paying a lick of interest?

credit card fraud

How to Report (and Prevent) Credit Card Fraud

The best action step to avoid credit card fraud is simply to be skeptical of everything. Refuse to let yourself become complacent when it comes to credit cards.

credit card skimming

Credit Card Skimmers: How to Spot And Avoid Them

Credit card skimmers come in all shapes. Sometimes they’re false keypads or card slot attachments. With a bit of diligence, you can avoid them nearly every time.

sign back of credit card

Should I Sign My Credit Card

Signing the back of your credit card was once helpful to prevent fraud, but that’s not the case not anymore. However, merchants can decline your card if it’s not signed.

credit cards closing date

Credit Card Closing Date: Meaning And Implications

Your credit card closing date can affect the interest you accrue, the health of your credit score, and the cash back or other awards you earn.

Capital One Spark Cash Plus vs. Ink Business Cash 2023

These cards both come with astonishing welcome bonuses. And with some strategy, you can even transfer them to airline and hotel programs for free travel.

chase vs capital one credit cards

Chase Freedom Unlimited vs Capital One Quicksilver

Whether you’re interested in cash back or travel rewards, either card can be a powerful tool in your financial utility belt — but one is the clear winner.