{"id":53293,"date":"2024-03-25T12:26:00","date_gmt":"2024-03-25T16:26:00","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=35578"},"modified":"2025-04-21T12:54:11","modified_gmt":"2025-04-21T16:54:11","slug":"how-to-choose-a-credit-card","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/how-to-choose-a-credit-card\/","title":{"rendered":"Top 3 Rules for Choosing a Credit Card That&#8217;s RIGHT for You"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"53293\" class=\"elementor elementor-53293\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-45e80536 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"45e80536\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-408b8b8d\" data-id=\"408b8b8d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a18ed33 elementor-widget elementor-widget-text-editor\" data-id=\"a18ed33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-credit-cards-work\/\"><span style=\"font-weight: 400;\"><strong>Credit cards<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> can be a great tool for improving your finances. Knowing how to choose a credit card will set you up for financial success for years to come. However, not all credit cards are created equally. Here are my top three rules to consider as you choose the right credit card for your situation.<\/span><\/p>\n<p><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c52fd49 elementor-widget elementor-widget-heading\" data-id=\"c52fd49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3 Rules for Choosing a Credit Card<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fd9710 elementor-widget elementor-widget-text-editor\" data-id=\"5fd9710\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">With all the credit cards out there, how do you pick the right one? We recommend three simple rules.<\/span><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42c3ce6 elementor-widget elementor-widget-heading\" data-id=\"42c3ce6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Get the Best Card You Can With Your Credit Score<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2056e3d7 elementor-widget elementor-widget-text-editor\" data-id=\"2056e3d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<p><!-- \/wp:list --><\/p>\n<p><!-- wp:heading --><\/p>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><\/p>\n<p><span style=\"font-weight: 400;\">Your <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-improve-your-credit-score\/\">credit score<\/a><\/strong><span style=\"font-weight: 400;\"> determines whether you have access to certain credit cards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even if you\u2019re just starting out or had some bad luck along the way, don\u2019t be disheartened if you get declined. <strong>Don\u2019t make the mistakes Christina and Ron made in episode 126 of my podcast. With $30,000 in credit card debt, they continued to rack up other expenses ignoring the debt on their card.\u00a0<\/strong><\/span><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-043ffef elementor-widget elementor-widget-video\" data-id=\"043ffef\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/RdrOncM1Qok?si=IU2AlAtgAvHQrcKG&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea76045 elementor-widget elementor-widget-text-editor\" data-id=\"ea76045\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Instead, <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/pay-off-credit-card-debt\/\">begin paying off your cards <\/a><\/strong><span style=\"font-weight: 400;\">every month and stay current on all your debts. Do that, and getting a high enough credit score for the top-tier cards is definitely feasible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whatever card you need to start with, use it for a few years and<\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/how-to-build-credit\/\"> build up a solid credit history<\/a><\/strong><span style=\"font-weight: 400;\">. Then try applying for a slightly nicer card and do it again. After a decade or so, you should be able to get any card you want.<\/span><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-246ccb2 elementor-widget elementor-widget-heading\" data-id=\"246ccb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Decide on Simplicity vs. Maximization<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d9714e elementor-widget elementor-widget-text-editor\" data-id=\"0d9714e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Let\u2019s assume you have a good enough credit score to get just about any card you want.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What then?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You\u2019ll need to decide which is more important to you: simplicity or maximizing the value of rewards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want simplicity, get a cashback card. You\u2019ll get a straightforward percentage back on every purchase you make, and there\u2019s nothing you need to manage or remember. Super simple.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, if you want to maximize the value of your rewards, you\u2019ll want to get a travel rewards card. These give you points for every purchase that you can redeem for airline tickets, hotel nights, and some retailers. Every point system is a bit different, and redeeming points is always more complicated than getting\u00a0 basic cash back. But for the extra trouble, you will get more value from them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The one exception to all this is if you don\u2019t <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-plan-a-vacation\/\">enjoy traveling<\/a><\/strong><span style=\"font-weight: 400;\">. Travel rewards cards focus on people who travel. So if you don\u2019t travel at all, stick to a cashback card.<\/span><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4df6127 elementor-widget elementor-widget-heading\" data-id=\"4df6127\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Factor in the Number of Cards You Already Have<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c641e80 elementor-widget elementor-widget-text-editor\" data-id=\"c641e80\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">When you\u2019re working on <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/how-to-improve-your-credit-score\/\"><span style=\"font-weight: 400;\"><strong>building your credit<\/strong><\/span><\/a><span style=\"font-weight: 400;\">, I recommend having one card. As one of the <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/credit-card-rules\/\">credit card rules<\/a><\/strong><span style=\"font-weight: 400;\">, only get new cards once your credit has improved and you\u2019re ready to upgrade to a better card.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the point where your credit score is good enough to get a rewards card, start with one general rewards card that you\u2019ll use for everything. Pick a cashback card that has an above-average cash back percentage across all purchases, or a travel rewards card with a good points program and a few nice perks. Don\u2019t over-complicate it at this stage. One of the most common <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/credit-card-mistakes-to-avoid\/\">credit card mistakes<\/a><\/strong><span style=\"font-weight: 400;\"> is having too many cards open.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once that feels comfortable, feel free to expand to 2-3 cards. There are a few reasons to do this:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Maximize rewards across spending categories.<\/strong> You might put gas spending on one card and travel on another in order to get bonus points on different cards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Add perks.<\/strong> Airline cards have great perks, as do hotel cards. If you travel a lot, take a close look at these.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Flexibility with points transfers.<\/strong> Each point program has a different set of partners that you can transfer points to. If you wanted complete flexibility in being able to book airline rewards for example, having a Chase and an American Express card maximizes your partner coverage, so you can book the exact airline or hotel that you want.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">I still recommend keeping things simple, even if you consider having multiple rewards cards. Rotating points categories, point hacking games, and cycling through card signup bonuses are more trouble than they\u2019re worth.<\/span><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4f7dbf elementor-widget elementor-widget-heading\" data-id=\"f4f7dbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">If You\u2019re a Business Owner, Repeat<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9ff26e elementor-widget elementor-widget-text-editor\" data-id=\"f9ff26e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Lastly, if you own a business, you\u2019ll want to repeat this process for your business credit cards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Even a <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/side-hustle-ideas\/\"><span style=\"font-weight: 400;\"><strong>side hustle<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> or hobby business should keep business and personal transactions separate. That makes taxes and expense tracking a lot easier. And since you should separate everything anyway, why not run all your business transactions through a business credit card and get a bunch of rewards along the way?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The same general rules as personal cards apply here. First, decide if you want reward maximization or simplicity. Cashback cards are best for simplicity, travel cards are better for maximization. Second, start with one general rewards card that can cover the majority of your spending. Then consider additional cards if you really want certain perks or want to maximize rewards value even more.<\/span><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99f9c0b elementor-widget elementor-widget-heading\" data-id=\"99f9c0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Choose Between Different Types of Credit Cards<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65759e2 elementor-widget elementor-widget-text-editor\" data-id=\"65759e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The first credit card was simple. Banks simply provided a card with a line of credit. You charged it, then paid it off. That was it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Today, things have gotten a bit more complicated. There are travel cards, student cards, business cards, and so on.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Which type of card is right for you? What are the pros and cons of them all?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We broke it all down below so you can choose a credit card that\u2019s perfect for you.<\/span><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-deeb5c7 elementor-widget elementor-widget-heading\" data-id=\"deeb5c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cashback Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5870def elementor-widget elementor-widget-text-editor\" data-id=\"5870def\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A cashback credit card gives you back a percentage of everything you spend.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cardholders typically receive between 0.5% and 2% of their net spending as an annual rebate. Most folks use it to pay down future spending on their cards. Some cards also let you get the rebate in cash.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s like getting a permanent discount on everything you purchase with that card. Since most cashback cards don\u2019t have annual fees, it\u2019s free money.<\/span><\/p>\n<p><b>PRO:<\/b><span style=\"font-weight: 400;\"> Cashback cards are super simple. You don\u2019t have to do anything to get your cash back. The rebate shows up automatically. For a rewards card, it\u2019s as simple as it gets.<\/span><\/p>\n<p><b>CON:<\/b><span style=\"font-weight: 400;\"> Don\u2019t ever use the cash back as an incentive to purchase more than you usually would. If you carry any interest on the card, you\u2019ll lose more money than you\u2019ll ever get in cash back. Also watch the foreign transaction fees; many cashback cards have them.<\/span><\/p>\n<p><a href=\"https:\/\/www.nerdwallet.com\/best\/credit-cards\/cash-back\"><span style=\"font-weight: 400;\"><strong>See Nerdwallet\u2019s list of top cashback cards<\/strong><\/span><\/a><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3095be6 elementor-widget elementor-widget-heading\" data-id=\"3095be6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Travel Rewards Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f567e0 elementor-widget elementor-widget-text-editor\" data-id=\"4f567e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This is the other main type of rewards credit card.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Travel rewards cards follow the same concept as cashback cards, except users accrue points or miles instead of money. These points can be redeemed for flights, hotel rooms, Amazon purchases, or even cash in some cases.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some of them also come with great perks like airport lounge access, free nights, companion fares, travel credits, and Uber credits.<\/span><\/p>\n<p><b>PRO: <\/b><span style=\"font-weight: 400;\">If you enjoy traveling and want to maximize the value of your rewards, get a travel card. You\u2019ll get a better return than a standard cashback card.<\/span><\/p>\n<p><b>CON:<\/b><span style=\"font-weight: 400;\"> Most travel credit cards include an annual fee to gain access to all the perks. These fees range anywhere from $100 for mid-tier cards to $600 for top-tier travel rewards cards. You\u2019ll also have to put more effort into spending your miles\/points. Finding the right flights and hotels can take some work if you\u2019re trying to maximize their value.<\/span><\/p>\n<p><a href=\"https:\/\/www.nerdwallet.com\/best\/credit-cards\/travel\"><span style=\"font-weight: 400;\"><strong>See top Travel credit cards<\/strong><\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Love to travel but want to plan a trip without the guilt? I have all the details on how to take a fabulous guilt-free vacation in <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/107-solo\/\">episode 107 of my podcast<\/a>.<\/strong><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb4e51f elementor-widget elementor-widget-heading\" data-id=\"bb4e51f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla...\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6459798 elementor-widget elementor-widget-text-editor\" data-id=\"6459798\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out: \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78ae95c elementor-widget elementor-widget-button\" data-id=\"78ae95c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/\u00a0\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e7dff6 elementor-widget elementor-widget-video\" data-id=\"1e7dff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/mZ5lxacBE5c&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e466c20 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"e466c20\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ea1cf3\" data-id=\"3ea1cf3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-963c3f8 elementor-widget elementor-widget-heading\" data-id=\"963c3f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Balance Transfer Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d82444 elementor-widget elementor-widget-text-editor\" data-id=\"8d82444\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This type of credit card allows the user to transfer a balance from one credit card to another.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The new credit card company usually offers a promotional or introductory period\u2014usually, six months to 18 months\u2014with zero percent interest charged on the transferred amount. They\u2019re hoping that you forget about the balance,<\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/what-to-buy-with-a-credit-card-2\/\"> increase spending<\/a><\/strong><span style=\"font-weight: 400;\">, and then start paying them interest once this period is over.<\/span><\/p>\n<p><b>PRO:<\/b><span style=\"font-weight: 400;\"> If you carry a balance, these cards can give you some relief for a short period. When cash is really tight, they\u2019re an option.<\/span><\/p>\n<p><b>CON:<\/b><span style=\"font-weight: 400;\"> Credit cards are a pretty terrible deal if you carry a balance. The interest rates are extremely high. Balance transfers might help in the short term, but they\u2019re not a real solution. Your real goal should be to get yourself to the point where you can pay all your credit cards off in full every month. That\u2019s when credit cards start working for you.<\/span><\/p>\n<p><a href=\"https:\/\/www.nerdwallet.com\/best\/credit-cards\/balance-transfer\"><span style=\"font-weight: 400;\"><strong>Best Balance Transfer Credit Cards<\/strong><\/span><\/a><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29ec1ff elementor-widget elementor-widget-heading\" data-id=\"29ec1ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Premium Credit Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f12b2 elementor-widget elementor-widget-text-editor\" data-id=\"70f12b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Premium credit cards, often referred to as black cards, charge an annual fee but offer cardholders lots of exclusive benefits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Often viewed as a symbol of status, premium cards offer a high credit limit and several perks that are difficult or expensive to find elsewhere.<\/span><\/p>\n<p><b>PRO:<\/b><span style=\"font-weight: 400;\"> A popular benefit of premium credit cards is 24-hour concierge assistance with tasks like booking travel reservations, hotels, and flights, as well as activities like show tickets, restaurant reservations, home emergency coverage, car issues, and more.<\/span><\/p>\n<p><b>CON:<\/b><span style=\"font-weight: 400;\"> Premium credit cards are aimed at consumers with excellent credit and people who fall into a specific earnings bracket. For these reasons, many users don\u2019t qualify for these types of credit cards.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For those users with incredible credit and earning a healthy wage, premium cards come with fantastic perks but substantial annual fees, typically starting at $500.<\/span><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c71a51 elementor-widget elementor-widget-heading\" data-id=\"8c71a51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Business Credit Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c8cc18 elementor-widget elementor-widget-text-editor\" data-id=\"4c8cc18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Business credit cards are intended for <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-ultimate-guide-to-profitable-business-ideas\/\">business owners<\/a><\/strong><span style=\"font-weight: 400;\">, no matter the size of the organization. They\u2019re an option if you generate any side income.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They usually have a few perks designed for businesses.<\/span><\/p>\n<p><b>PRO:<\/b><span style=\"font-weight: 400;\"> Cashback categories and perks for businesses. You also don\u2019t need an actual business; you can get one in your name if <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/solopreneur\/\">you generate any income<\/a><\/strong><span style=\"font-weight: 400;\"> yourself.<\/span><\/p>\n<p><b>CON:<\/b><span style=\"font-weight: 400;\"> Getting a business credit card can be a bit more complicated than a personal card. You might also have to agree to a personal guarantee. That means if the business can\u2019t make payments, your personal funds would have to be used to pay off the card. Depending on the size of the credit limit and your business, this could be an enormous commitment.<\/span><\/p>\n<p><strong><a href=\"https:\/\/www.nerdwallet.com\/best\/credit-cards\/balance-transfer\">Best Business Credit Cards<\/a><\/strong><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afc4af5 elementor-widget elementor-widget-heading\" data-id=\"afc4af5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Student Credit Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed87da7 elementor-widget elementor-widget-text-editor\" data-id=\"ed87da7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Student credit cards are marketed primarily to people in school who have not yet had a credit card in their own name.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Student credit cards are a great way to solve the \u201ccan\u2019t get credit cards without having a credit history\u201d problem that everyone starts out with.<\/span><\/p>\n<p><b>PRO:<\/b><span style=\"font-weight: 400;\"> Because the requirements are less stringent, you\u2019re much more likely to get approved.<\/span><\/p>\n<p><b>CON:<\/b><span style=\"font-weight: 400;\"> They typically don\u2019t have any rewards or perks. It\u2019s a no-frills card.<\/span><\/p>\n<p><strong><a href=\"https:\/\/creditcards.usnews.com\/student\">Best Student credit cards<\/a><\/strong><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f63987 elementor-widget elementor-widget-heading\" data-id=\"0f63987\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The \u201cPlain Vanilla\u201d Credit Card<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0fad42 elementor-widget elementor-widget-text-editor\" data-id=\"f0fad42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The standard, or \u201cplain vanilla,\u201d credit card is exactly what it sounds like. There\u2019s no cashback, no fees, no rewards for usage, and no real benefits besides an extended line of credit.<\/span><\/p>\n<p><b>PRO: <\/b><span style=\"font-weight: 400;\">These standard credit cards typically get a lower APR than other cards. They\u2019re also typically easier to obtain and come in handy as an \u201cin case of emergency\u201d payment option. If you can\u2019t get approved for a rewards card yet, it\u2019s good to start here and build up your credit history.<\/span><\/p>\n<p><b>CON:<\/b><span style=\"font-weight: 400;\"> There are no perks for spending. In other words, the cards work like a <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/best-checking-account\/\">debit card<\/a><\/strong><span style=\"font-weight: 400;\"> as long as you pay them off in full every month.<br \/><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df2f899 elementor-widget elementor-widget-heading\" data-id=\"df2f899\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Gasoline Credit Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-901a64a elementor-widget elementor-widget-text-editor\" data-id=\"901a64a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">These cards offer bonuses and perks for people who frequent a gas station. Many of them are connected to a single gas station brand, like Shell.<\/span><\/p>\n<p><b>PRO:<\/b><span style=\"font-weight: 400;\"> A good way to maximize rewards if you spend a lot of money on gas.<\/span><\/p>\n<p><b>CON:<\/b><span style=\"font-weight: 400;\"> Most gasoline cards target specific brands of gas stations, limiting their rewards on longer drives. It\u2019s better to find a cashback card that gives a larger cashback percentage for the entire gasoline spending category.<\/span><\/p>\n<p><strong><a href=\"https:\/\/www.nerdwallet.com\/best\/credit-cards\/gas\">Best Gas cards<\/a><\/strong><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4375288 elementor-widget elementor-widget-heading\" data-id=\"4375288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Retailer Credit Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ef52c3 elementor-widget elementor-widget-text-editor\" data-id=\"6ef52c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">These are cards provided by particular companies like Macy\u2019s, Walmart, Target, and more. They typically give store-based perks that you won\u2019t be able to find anywhere else. For example, the Nordstrom card helps get you early access to the annual Nordstrom Anniversary Sale.<\/span><\/p>\n<p><b>PRO:<\/b><span style=\"font-weight: 400;\"> Exclusive perks and rewards for one of your favorite stores.<\/span><\/p>\n<p><b>CON:<\/b><span style=\"font-weight: 400;\"> Unless you spend an exorbitant amount of money at a single retailer, you\u2019re almost always better off getting a standard rewards card to use across all retailers. Some of them are also \u201cclosed loop,\u201d which means you can\u2019t use that card outside the retailer. The fees can also be much higher than with typical credit cards.<\/span><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf0b5b elementor-widget elementor-widget-heading\" data-id=\"8bf0b5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Airline Credit Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a044956 elementor-widget elementor-widget-text-editor\" data-id=\"a044956\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Airline credit cards can be great if you are a frequent flyer. Nearly every airline out there offers multiple credit cards. The higher the annual fee, the more perks you get while flying with that airline. Perks include priority boarding, free checked bags, discounts on in-flight purchases, companion fares, and lounge access.<\/span><\/p>\n<p><b>PRO: <\/b><span style=\"font-weight: 400;\">Perks and extra miles when flying with that airline. If you fly regularly, I consider these perks to be essential.<\/span><\/p>\n<p><b>CON: <\/b><span style=\"font-weight: 400;\">Some of the best perks, like extra miles and lounge access, require you to purchase the ticket on that card. They all have annual fees too. So if you fly many different airlines like I do, trying to get credit cards for all of them will add up.<\/span><\/p>\n<p><strong><a href=\"https:\/\/www.nerdwallet.com\/best\/credit-cards\/airline\">Best Airline credit cards<\/a><\/strong><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9eb623b elementor-widget elementor-widget-heading\" data-id=\"9eb623b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hotel Credit Cards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c42648e elementor-widget elementor-widget-text-editor\" data-id=\"c42648e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The major hotel chains (Hilton, Marriott, Hyatt, and IHG) offer multiple credit cards. The standard perks can be great, like getting a fifth night free when booking.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But the real perks come from the loyalty status they help you achieve. Having a card can get you 10-15 nights credited to your status every year. Once you unlock the higher status tiers, you can get amazing benefits like room upgrades, free gifts, and late checkout.<\/span><\/p>\n<p><b>PRO:<\/b><span style=\"font-weight: 400;\"> Makes getting status with the major hotel chains a lot easier, unlocking some incredible perks. You\u2019ll also rack up a ton of hotel points when spending at the hotel.<\/span><\/p>\n<p><b>CON: <\/b><span style=\"font-weight: 400;\">To get the most out of these cards, you need to pick a single hotel chain and stick with it. If you prefer to try new hotels like I do, the value is much more limited.<\/span><\/p>\n<p>Watch episode 77 of my podcast to see how credit card debt challenges a marriage.\u00a0<\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd955fd elementor-widget elementor-widget-video\" data-id=\"fd955fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=tB5keBN9ku0&amp;list=PLPZCUlZ2z01lvgC4lquCWOoVsCzTOxIqz&amp;index=77&amp;pp=iAQB&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62de331 elementor-widget elementor-widget-heading\" data-id=\"62de331\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Ultimate How to Choose a Credit Card Question: Travel Perks or Cash Back?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26f9b7e elementor-widget elementor-widget-text-editor\" data-id=\"26f9b7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Generally, there are two kinds of rewards credit cards offer: travel points or cash back. But which one should you choose?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you want to get every dollar in rewards possible, travel rewards programs always beat cashback cards. For credit card companies, there\u2019s always a percentage of people who forget to spend their points, so they\u2019re able to increase the value of their points over a more straightforward cashback program.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Of course, don\u2019t get a travel points card if you hate to travel. That would be\u2026 unhelpful. It\u2019s still worth it as long as you travel once per year, or <\/span><b>if you\u2019re like <\/b><a href=\"https:\/\/www.cbsnews.com\/news\/early-retirement-worldwide-travel-savings-investments-smart-finances\/\"><b>the couple I spoke about on <\/b><b><i>CBS News<\/i><\/b><b> who turned to travel as a way to retire early.<\/b><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Maximizing the value of your rewards does come with an extra cost, though. You\u2019ll have to manage your points. They\u2019ll accrue in your credit card account, and you\u2019ll have to make choices on when and where to spend them. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, different redemption methods have different values. The American Express Membership Rewards points are worth $0.07 on Amazon and $0.10 on Uber. Every card has its own redemption methods with its own values.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You could use the rule of thumb of always redeeming your points for miles on an airline program. This is a good rule, and it\u2019ll usually maximize the value of your points. But you still have to transfer your points to miles. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each credit card points program will transfer to some airline programs and not others. And once you get your points into the right miles program, you\u2019ll have to deal with whatever points restrictions your airline has (blackout dates, only certain flights being available, etc.). To add even more complexity, some credit card programs allow you to book flights and hotels directly through them, but then there\u2019s a separate set of restrictions and point values that you have to deal with.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sounds like a pain? It is.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For me, the extra hassle is worth the free international flights that I\u2019ve been able to get.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the extra hassle of a travel rewards program sounds exhausting, get a cashback rewards card instead.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cash back cards still have plenty of benefits without any work:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You get a straight percentage back on all charges to your card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cash back shows up on your statements either automatically or with very little effort. Worst case, you\u2019ll have to log in and hit a button to initiate the cash back.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">While some cashback cards have maximum payouts, rotating categories, and other nonsense, there are plenty of cards that keep things ultra simple.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It doesn\u2019t get simpler than that!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s how to make your decision:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To maximize the value of your points, get a travel rewards card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To maximize simplicity, get a cashback card.<br \/><\/span><\/li>\n<\/ul>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div>It&#8217;s really that easy!<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1169a2 elementor-widget elementor-widget-heading\" data-id=\"d1169a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQS on How to Choose a Credit Card<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c27c64 elementor-widget elementor-widget-heading\" data-id=\"2c27c64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What are the two main reasons for getting a credit card?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2370375 elementor-widget elementor-widget-text-editor\" data-id=\"2370375\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Build Credit\u00a0<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A good credit score can help you get better interest rates for things like <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/find-out-how-much-car-you-can-afford-with-20-40-10-rule\/\">car loans<\/a><\/strong><span style=\"font-weight: 400;\">, personal loans, and <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-much-house-can-i-afford-\/\">mortgages<\/a><\/strong><span style=\"font-weight: 400;\">. In addition, by <\/span><strong>using a credit card responsibly,<\/strong><span style=\"font-weight: 400;\"> you might be able to build\u2014or rebuild\u2014your credit history and improve your credit scores.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Earn Rewards\u00a0<\/strong><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Reward points are a perk offered by banks to credit cardholders as an incentive whenever they spend. You can collect these points as you spend on your credit card and use them to redeem gift vouchers, merchandise, air miles, and more.<\/span><\/p>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\n<div style=\"all: initial;\">\n<div style=\"position: fixed; z-index: 2147483647; inset: 16px; pointer-events: none; font-family: sans-serif;\">\u00a0<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c55f140 elementor-widget elementor-widget-heading\" data-id=\"c55f140\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Which is safer, cash or credit card?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a124066 elementor-widget elementor-widget-text-editor\" data-id=\"a124066\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Credit cards are more convenient and secure compared to carrying cash.\u00a0<\/p>\n<ul>\n<li aria-level=\"1\">Cash lost is gone forever.\u00a0<\/li>\n<li aria-level=\"1\">Credit cards have strong fraud protection.\u00a0<\/li>\n<li aria-level=\"1\">Credit card fraud has no immediate impact on your cash flow.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d8ac48 elementor-widget elementor-widget-heading\" data-id=\"4d8ac48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What should you consider when choosing a credit card?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-490e363 elementor-widget elementor-widget-text-editor\" data-id=\"490e363\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Picking the right credit card is like choosing a new smartphone &#8211; it needs to fit your lifestyle and budget. Consider the interest rates, especially if you plan to carry a balance. Look at the rewards program; if you love to travel, a card with miles might be your best friend. Don&#8217;t forget about annual fees &#8211; sometimes they&#8217;re worth it for the perks, but make sure the math checks out. Lastly, review any additional benefits like insurance or cashback offers. It&#8217;s all about finding that perfect match that complements your financial habits and goals.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df29956 elementor-widget elementor-widget-heading\" data-id=\"df29956\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Which credit card is best to start with?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-955c81a elementor-widget elementor-widget-text-editor\" data-id=\"955c81a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A secured credit card or a student credit card can be ideal starters. Secured cards require a deposit, reducing the risk for lenders, making them more accessible for those new to credit. Student cards, designed for college students, often have lower requirements and might offer rewards for good grades. Both are great for building credit, just make sure to pay on time and keep your balance low.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3772ec4 elementor-widget elementor-widget-heading\" data-id=\"3772ec4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How to pay off credit card debt?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e720ec elementor-widget elementor-widget-text-editor\" data-id=\"3e720ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Start with a budget to see how much you can allocate to debt repayment. Consider the snowball method, paying off smaller debts first for quick wins, or the avalanche method, targeting high-interest debts first to save money in the long run. If possible, consolidate your debts with a balance transfer card or a personal loan to lower your interest rates.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8dc03d2 elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"8dc03d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE our Ultimate Guide to Personal Finance\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a505c77 elementor-widget elementor-widget-text-editor\" data-id=\"a505c77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It\u2019s one of the best things we&#8217;ve published, and totally free \u2013 just tell us where to send it:<!-- notionvc: 028b72ea-0e56-43cc-a175-887f3e6a163d --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3048c47 elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"3048c47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53563\"><form id=\"wpforms-form-53563\" class=\"wpforms-validate wpforms-form\" data-formid=\"53563\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/53293\" 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send you my Insiders newsletter where I share other exclusive content that's not on the blog.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/53293\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/how-to-choose-a-credit-card\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Credit cards can be a great tool for improving your finances. Knowing how to choose a credit card will set you up for financial success for years to come. However, not all credit cards are created equally. Here are my top three rules to consider as you choose the right credit card for your situation. [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":88348,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-53293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":"ljknoll95@gmail.com","_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/53293","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=53293"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/53293\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/88348"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=53293"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=53293"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}