Ben Luthi's Image

Ben Luthi

Contributor

About

Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.

  • Best Credit Card Referral Bonuses By Issuer Of 2025

    Credit card issuers often provide incentives for new cardholders. Those benefits can sometimes extend to existing cardholders who refer their friends and family members to apply for a credit card. If you have a credit card you love, check to...
    Best Credit Card Referral Bonuses By Issuer Of 2025

  • Best Credit Cards For Furniture Of 2025

    Whether you're moving into a new home or looking to spruce up your existing space, picking the right furniture is crucial. The best credit cards for furniture offer excellent bonus rates on your purchases, and some even offer 0% introductory...
    Best Credit Cards For Furniture Of 2025

  • 6 Cards A Credit Card Expert Recommends To Friends

    Over the past 11 years, I've held nearly 100 credit cards, and as a personal finance journalist, I've covered scores more. As I've shared various travel experiences paid for by credit card rewards, several friends have reached out to me...
    6 Cards A Credit Card Expert Recommends To Friends

  • Upgrade Select Card Review

    The is designed for consumers with less-than-stellar credit. However, its annual fee and lack of a standard rewards program may make it a non-starter for many who are looking to build or rebuild their credit history.
    Upgrade Select Card Review

  • USAA Rewardsâ„¢ American Express® Credit Card Review 2025

    The offers bonus rewards on everyday spending categories like dining, groceries and gas, but its rewards rates don't quite measure up to other everyday credit cards. Its welcome bonus is low, but the biggest drawback of the card is that...
    USAA Rewards™ American Express® Credit Card Review 2025

  • USAA Preferred Cash Rewards Credit Card Review 2025

    The offers a decent you make. But with no intro APR offer and limited availability, the card doesn't stack up well against the competition.
    USAA Preferred Cash Rewards Credit Card Review 2025

  • USAA Eagle Navigator® Credit Card Review

    The offers solid rewards rates, giving you at least 2 points per dollar on all of your purchases, and you can get enough value to easily offset its modest annual fee every year with perks alone. Like other USAA® financial...
    USAA Eagle Navigator® Credit Card Review

  • Super.com Secured Card Review 2025

    Super.com markets itself as a platform that helps users stretch their dollars by combining savings offers, rewards and credit-building in one place. The company offers the Super.com Secured Card to subscribers of its Super+ membership tier, which costs $15 per...
    Super.com Secured Card Review 2025

  • American Express® Business Gold Card Vs. Ink Business Preferred®

    The (terms apply, see rates & fees) and the both offer excellent rewards rates, but depending on how your business spends its money and how much flexibility you want with bonus categories, one may be a better fit than the...
    American Express® Business Gold Card Vs. Ink Business Preferred®

  • How To Choose A Business Credit Card For A Sole Proprietorship

    As a small business owner, having a good business credit card can help you manage your cash flow, keep your business and personal expenses separate and offer rewards and perks tailored to your business. If you're a sole proprietor, you...
    How To Choose A Business Credit Card For A Sole Proprietorship

  • How To Check Your American Express Application Status

    Applying for an American Express card should give you a near-instant decision, but sometimes the process can take longer. If your application is under review, it’s easy to check your status online or by phone while you wait for an...
    How To Check Your American Express Application Status

  • Wells Fargo Autograph Vs. Chase Freedom Flex

    The and the both offer accelerated cash back on everyday spending categories, low introductory APR promotions and flexible redemption options. However, while the Freedom Flex offers higher bonus rewards rates, its structure is more complicated. Depending on how you spend...
    Wells Fargo Autograph Vs. Chase Freedom Flex

  • Can The 15/3 Credit Card Hack Save You Money?

    Credit cards come wrapped in financial responsibility. Cardholders can gain rewards by making purchases and build credit by managing their cards responsibly—which will help them when applying for things like auto loans or mortgages later in life. The 15/3 credit...
    Can The 15/3 Credit Card Hack Save You Money?

  • How To Get An American Express Credit Limit Increase

    Credit limits determine how much you can spend on a credit card. Card issuers may increase your credit limit automatically, but you can often request an increase directly from the issuer. High credit limits can help you make larger purchases...
    How To Get An American Express Credit Limit Increase

  • Wells Fargo Active Cash® Card vs. Citi Double Cash® Card Comparison 2025

    Both the and the offer a similar reward rate on purchases, but the Active Cash Card doesn't require you to pay your bill to get the full rate, and it also comes with better new-cardholder incentives. On the flip side,...
    Wells Fargo Active Cash® Card vs. Citi Double Cash® Card Comparison 2025

  • Petal 1 Vs. Petal 2

    The and , both issued by WebBank, are similar in many ways. But depending on your credit situation, one may be a better fit than the other. Understanding their features and eligibility requirements can help you determine which one is...
    Petal 1 Vs. Petal 2

  • Chase Freedom Flex Vs. Chase Slate Edge

    If you’re shopping for a new Chase card, you may be looking at both the and the . Both credit cards offer introductory APR periods, which can save on interest on new purchases or balance transfers. But save for a...
    Chase Freedom Flex Vs. Chase Slate Edge

  • U.S. Bank Triple Cash Rewards Visa Business Card Vs. Ink Business Unlimited

    The and the are no annual fee cash-back credit cards for business owners. However, their rewards structures are quite different. Depending on how your business spends its money, one may be a better fit for you than the other.
    U.S. Bank Triple Cash Rewards Visa Business Card Vs. Ink Business Unlimited

  • U.S. Bank Visa® Platinum Card Vs. Chase Slate EdgeSM

    The U.S. Bank Visa® Platinum Card is no longer available to new applicants. Please see the issuer’s website for more information on available offers. Card details have been collected independently by Forbes Advisor and have not been reviewed or approved...
    U.S. Bank Visa® Platinum Card Vs. Chase Slate EdgeSM

  • When Should I Pay My Credit Card Bill?

    When a credit card company sends a bill, the cardholder usually has less than a month to pay back what’s owed before incurring any interest. Paying a bill right away (or at least as soon as possible) might seem like...
    When Should I Pay My Credit Card Bill?

  • Alliant Cashback Visa Signature Credit Card Review 2025

    The no annual fee is a hard card to beat for those willing to join the credit union and meet certain requirements with an Alliance high-rate checking account. The rewards rate is stellar if you don't mind jumping through the...
    Alliant Cashback Visa Signature Credit Card Review 2025

  • Amazon Prime Secured Card Review 2025

    The could be worth considering for those looking to build or rebuild their credit history. It comes with similar benefits and restrictions as the unsecured and even earns rewards for Prime members, although secured card users will see significantly lower...
    Amazon Prime Secured Card Review 2025

  • Chase Freedom Flex Vs. Freedom Unlimited

    The and the are similar in a lot of ways, and both are smart choices if you want to earn cash back on your everyday spending. But depending on how simple you want your rewards card to be and how...
    Chase Freedom Flex Vs. Freedom Unlimited

  • How To Transfer A Credit Card Balance In 8 Steps

    If you have high-interest credit card debt, paying it off can seem insurmountable. But if you move your debt to a balance transfer card with a lower or 0% APR offer, you can make more progress on paying off your...
    How To Transfer A Credit Card Balance In 8 Steps

  • 9 Credit Card Issuers That Offer A Free Credit Score

    Your credit score is an important part of your financial plan, and building and maintaining good credit is crucial for qualifying for affordable financing, getting low auto and homeowner's insurance rates, securing a lease on an apartment or home and...
    9 Credit Card Issuers That Offer A Free Credit Score

About

Ben Luthi is a freelance personal finance and travel writer. He started earning credit card rewards in 2013 and leveraged his passion into a writing career. He's contributed to dozens of other publications and companies in the financial and travel spaces.