TABLE OF CONTENTS
Still deciding on the right carrier? Compare Medigap plans Shopping for Medicare plans? We have you covered. LOOKING TO SAVE ON INTEREST? Compare Medigap plans This offer has expired. Get details on Medicare coverage for: How do we review brokers? Shopping for Medigap plans? We have you covered. Potential dangers of credit Credit's positive impact Downsides to debit How to get started Where debit shines How to maximize your rewards Does homeowners insurance cover tree removal? ¿Qué es una tarjeta de débito prepagada? Am I on track financially? Still deciding on the right carrier? Compare Medicare Advantage plans Compare Medicare Advantage plans Simplifying tax time with accounting software Environmental Spend at least $300 a year on travel Summary of no-credit-check lenders What is 100% credit utilization? Tactic 1: Get a credit card with a TSA PreCheck credit 1. Abuelo’s In this article 1. Start saving early What should my credit score be to buy a house? Amazon The failure to pay penalty and more Winner: British Airways GA income tax rates: Single filers 1. Earn with ads as a YouTube Partner Program member Social 1. There is no Passenger Bill of Rights in the U.S. 1. Requesting a tax transcript online 1. Delay your application What this section tells you Accommodations 1. Evaluate your assets and expenses Chemotherapy at a doctor’s office or clinic 2. Auntie Anne’s Quick facts and who qualifies for a solo 401(k) Fraud protection Leverage your business strengths Domestic travel with an adult 1. Make up for lost time How does my credit score impact personal loan offers? 1. Buy REITs (real estate investment trusts) 1. What type of debt do you have? 1. Pick up freelance work online When is the last day to file taxes? Can responsibly spend $4,000 on the card in the first three months AtoB OppLoans: No-credit-check, high-interest installment loans 1. Ibotta When doesn’t home insurance cover tree removal? Investment-based passive income ideas When can I use Park Hoper? ¿Para quiénes son? GA income tax rates: Married filing jointly or head of household 1. Accounting and bookkeeping Education level Governance 2. You may not be entitled to anything 1. Open an investment account 1. Figure out if you are eligible 1. Straight-line depreciation Renewable Energy Systems & Energy Improvement Grants 1. Keep your charges on each card to a minimum Skip seat selection altogether Standard with ads: $6.99 per month Preapproval helps you set a realistic budget Passive vs. active management Food and beverages NVIDIA Corp (NVDA) 1. Roll your debts onto a balance transfer credit card Notices start to arrive within 1-3 months Understand the budgeting process Check if private student loans are right for you SIMPLE IRA vs. traditional IRA 1. Chase Ultimate Rewards® 3. Baskin-Robbins Franchise Waldorf Astoria Las Vegas Term loans: Up to 10 years 1. Choose your business idea. Pre-installation evaluation: $250 for a 2,000 square foot home Premium Individual: $10.99 per month 2. Requesting a tax transcript by phone How to get (and pay for) TSA PreCheck How to play Powerball How do I see my credit score for free? 1. Turo Figure out what’s realistic for you 2. Decide how much home you can afford Quality Which hotels offer Club InterContinental access? 1. Decide how much coverage you need What to know about cash advance apps 1. You live or work outside the U.S. 1. Retirement plans for retirement goals Free bags and priority boarding from airline credit cards Setup up a robust profile National, regional and community banks Child tax credit 2023 (taxes filed in 2024) GA income tax rates: Married filing separately Example 1. Start at $0 and save at your own pace Monthly after-tax income Card longevity Pros Axos Basic Business Checking Build business credit Stocks You always check bags Credit limits, and how you use them, matter Mortgage rates remain stubbornly high Why it’s the best Step 1: Enter your personal information 2. Acquire cash on hand Oral chemotherapy 1. Dividend stocks Funciones Who has to personally guarantee an SBA loan? SIMPLE IRA vs. 401(k) JetBlue 4. Benihana 2. Business consulting 3. You may receive flight credits for delays Microloans: Up to seven years Premium Duo: $14.99 per month 3. Requesting a tax transcript by mail How we found the best cheap auto insurance How to use Apple Pay 1. Decide how you want to invest in the stock market 2. Work longer Earning rewards 2. How long will it take to pay off your debt? DoorDash Rewards Mastercard® Cheap auto insurance from large companies What this section tells you EBay Standard: $15.49 per month Eat out a lot Entertainment Symbotic Inc. (SYM) Tax liens and collections calls may follow Traditional 401(k) Hotel stays 50% of your income: needs Card upgrades Cons LendingClub Tailored Business Checking Consider alternative funding options Conrad Las Vegas at Resorts World 2. Stay with stocks Ductwork and design: $500 to $7,500 3. Check and polish your credit IHG Executive Club lounge benefits SoundHound AI Inc. (SOUN) 1. Choose a rollover IRA account type 2. You make frequent transactions to or with people abroad. Down payment Jackson Hewitt Find a car loan Coast Automatic elite status and benefits with hotel credit cards Child tax credit 2024 (taxes filed in 2025) Income taxes for single-member LLCs Payroll A big annual fee has you reaching for the barf bag Nok Air 5. Bojangles 1. State Housing Initiatives Program (statewide) Dealership Field of study and school attended In-flight food Grants.gov SBA loans: Up to 10 years for working capital and fixed assets; up to 25 years for real estate Premium Family: $16.99 per month 2. Pick stock funds instead of individual stocks Have the correct type of loans, or consolidate Alliant: Best for fast funding Discover Bank , 4.25% APY, no minimum opening deposit How to play Mega Millions 2. Decide what type of investor you are 2. Use an online real estate investing platform 1. Practice with fake money 2. Ask for higher credit limits Spend a lot on travel World of Hyatt Pros Step 2: Account for multiple jobs Upstart Holdings Inc. (UPST) Useful reward categories Resident status rules 1. Explain your wishes Make home improvements Estimate your potential refinance savings 1. Conrad Bora Bora Nui Resort 3. Marketing services Chase Business Complete Banking Domestic travel as an unaccompanied minor 4. JetBlue can offer multiple types of compensation 2. Write your business plan. Zelle tax 2023 Winner: Choice With credit, older is better Age Junior miners Credit score Cheapest life insurance companies for preferred applicants 2. Low-cost brokerage accounts for (nonretirement) financial goals Pick an airline with lower seat fees Bonanza Breadwinners Premium: $22.99 per month Investment goals Child care What you can do 2. Rakuten Investment, commercial and retail banks You need complete flexibility in your traveling 3. Assemble your documents and back them up Resident status rules Norwegian Air 6. Chick-fil-A 2. Own a Home Opportunity Program (multiple counties) Example 2. Start with $10,000 and make $400 in interest in one year A gentle reminder The details Free checked bag 1. Decide how much coverage you need Business lines of credit: Up to five years Why you can trust NerdWallet Bonds Varo , 3.00% APY, no minimum opening deposit Will pre-qualifying affect my credit score? 3. Earn more Changes and cancellations Start with something Pros Redeeming points Advantages of a lady bird deed Everyone is in the photo 1. Are you a fiduciary? Limited partnerships 2. Units of production depreciation Farmers Market Promotion Program 2. Test websites and apps 1. Calculate the car payment you can afford What if I didn't get an extension? Car loan preapproval can save you money at the dealership Cons Contact potential clients with “Connects” 2. Apply for a credit card consolidation loan HR management EveryDollar 1. Equipment: $10,000 to $125,000 Part-year resident status rules 2. U.S. Bank rewards Independent small business 4. Real estate business 30% of your income: wants Tropicana Las Vegas, a DoubleTree by Hilton hotel National Endowment for the Arts 3. Drill down on diversification Verizon Fios Business Premium Student: $5.99 per month 1. Tax return transcript Welcome offer How to get (and pay for) Global Entry 4. Explore mortgage options You fly a lot with a single airline 2. Actually invest your money 1. You deal with currency exchange for occasional trips abroad. Cheap car insurance from midsize companies What this section tells you Debt-to-income ratio H&R Block Stay-at-home parents or spouses WEX The five-year rule for Roth IRAs Recreational amenities Possible Finance: No-credit-check, high-interest installment loans Income taxes for multi-member LLCs You can’t afford to pay your balance in full every month 4. Specify your power of attorney 2. Dividend index funds and exchange-traded funds Qantas 7. Chili’s 3. Own a Home Opportunity Grant Program (multiple counties) Credit card spending You’ve maxed out your retirement accounts Bank of America Business Advantage Fundamentals Average seats Student loan interest rate calculator Invoice financing: A few months The type of central air unit: $600 to $24,000 Premier Qualifying Flights (PQF) First Tech: Best for co-sign and joint loan options Bask Bank , 5.10% APY, no minimum opening deposit What do I need to pre-qualify for a personal loan? 3. Think about investing in rental properties 2. Choose your insurance deductible Traditional banks and credit unions Average monthly car payment by credit score Regularly fly out of terminals with Priority Pass lounges Why it’s the best Southwest Airlines Step 3: Claim dependents, including children IRS levies and passport restrictions Time and labor management Focus your content Winner: British Airways Nonresident status rules 2. Add a deterrent Potential for high returns Virgin Hotels Las Vegas, Curio Collection by Hilton Work full time for a qualifying employer 2. Tax account transcript Annual fee Rolling your money into a new 401(k) or IRA Local knowledge 2. How do you get paid? Gender 2. You make one-time international transfers. Senior miners Cash reserves Parents or grandparents with dependents General obligation bond Room service Credit Karma 1. The hook How much does tree removal cost? Spacing out credit card applications More bonus categories 8. Cinnabon Roth 401(k) Existing business Only certain types of transfers are allowed 5. Event planning If your income exceeds the Roth IRA limits 20% of your income: savings and debt Online business loans 5. Delayed flights from the U.K./EU may get cash compensation Equipment financing: Up to 10 years Event and travel fees will be more transparent 3. Choose how much you want to invest Does basic economy get a carry-on on United? Disadvantages of a lady bird deed High annual fees or poor customer service 3. Explore funds over individual stocks 3. Which product can you qualify for? 2. Choose a rollover IRA provider Single-entry accounting example What’s covered (and what’s not) 3. Set up balance alerts to stay on top of spending Step 4: Refine your withholdings Talent acquisition Advertise yourself Best insurance company overall: Travelers Part-year resident status rules Tarjetas prepagadas o tarjetas de crédito o débito 3. Consider setting up a trust in addition to your will 2. Waldorf Astoria Maldives Ithaafushi Get a credit card that includes free checked bags on Hawaiian Airlines You have a lifelong dependent, such as a child with a disability Economic Development Administration 3. Register your business. 3. Stay invested with the "buy and hold" strategy 3. Record of account transcript 2. Choose an investment account 4. Consider your spouse 1.Meet the requirements Can you save too much? Earning rewards Local contact Research top private equity firms 3. Evaluate other factors Small Business Administration Specialty Crop Block Grant Documentation 3. Index funds and ETFs Craigslist, Facebook Marketplace, Nextdoor, OfferUp 3. Learn to use AI tools Revenue bond 1. Make sure you’re eligible to get an EIN online If you've owned your account for less than five years ... Best insurance company overall: Travelers Royal Caribbean and Celebrity 1. States with no income tax 5. Connect to members of your community, old and new Managing multiple billing cycles 2. Incorporation fees: Under $300 Shop around for another policy 9. Cold Stone Creamery How to dispute errors on your credit report 6. Video production 2. Take a cut with affiliate marketing Invoice financing 4. Consider taking an asset allocation shortcut PenFed: Best for a seamless application process Mutual funds Travel bonus reward rates You've graduated to a permanent card 4. Research stocks the right way Marital status What this section tells you Intuit TurboTax Adult children Will use the other perks Other fuel cards to consider 3. Swagbucks Win a gig and get to work Pros of bank stocks Step 5: Sign and date your W-4 Choosing corporate tax status for your LLC Talent management Goodbudget Allow up to 50% of your income for needs Benefits for employers 3. Pentagon Federal Credit Union (PenFed) Rewards Alaska Airlines 4. HOME Homebuyers Program (Pensacola and Escambia County) There is a pro-rata rule for backdoor Roths Dispose of the expired card International travel with an adult Hilton Grand Vacations on the Las Vegas Strip Reasons for unfreezing your credit 4. Wage and income transcript What’s the problem with rental junk fees? How long will it take to pre-qualify? 2. Getaround 2.Pick your path Equity vs. debt Pay for a club rate when booking on the IHG website Avianca additional carry-on baggage fees on domestic flights Home supply is still limited Value-Added Producer Grant Cards with an introductory offer Gold streaming companies Appraisals Neu Credit Card 2. Calculate the car loan amount you can afford Bid and ask Place ads in visible places Timing credit applications with big future purchases Simplicity Limitaciones de las tarjetas de débito prepagadas Cash redemptions 4. Invest in meaningful relationships Personal loan calculator 7. Podcasting If your income reduces your Roth IRA contribution Fly in a premium cabin Lower risk Merchant cash advances 2. Evaluate add-ons and endorsements 6. Explore all options for reaching customer service Grant databases 4. Get certified as a minority-owned business. Size of the AC system Premier Qualifying Points (PQP) Pros 4. Select a provider to open your Roth IRA Redeeming rewards Divorce or separation from a spouse 3. What are my all-in costs? Look for private equity exchange-traded funds 3. Double declining balance depreciation Education Double-entry accounting example Suffering through the ads The Medicare Part B penalty Online lenders Cheap car insurance after a speeding ticket 4. Pay your bill before your issuer reports to the credit bureaus 1. Cash dividends And when you retire ... The pros Specialty restaurants Credit score for FHA loans 2. Company description summary If you’re willing to be loyal to a specific brand Does home insurance cover damage caused by your neighbor’s tree? What is the standard deduction? 3. Bonds and bond index funds Tactic 2: Use points or miles Nonresident status rules 1. Make sure your Medicaid program has your contact information Benefits for employees Book Virgin Atlantic upper class with points 10. Del Taco 5. SHIP First Time Homebuyers Program (Pensacola and Escambia County) Resident status rules Activate the new card You want to help your family pay estate taxes Our pick for: No credit check at all Spectrum Business Submit PSLF employment certification forms 5. Verification of non-filing letter Rental housing platforms commit to price transparency 3.Network 5. Research first-time home buyer assistance programs You travel often and need the perks 5. Check your emotions at the door 3. Move the money Benefits of municipal bonds Why it’s the best 2. Gather the necessary information EarnIn: No-credit-check cash advances Cons of bank stocks 2. States with flat income tax rates Don’t break the rules 3. Office space: $100 to $1,000 per employee per month What to expect from the Capital One airport lounge refreshments Dun & Bradstreet business credit scores Travel redemptions Turn to your state’s shared market option Delta Air Lines How to report fraud or identity theft Premiums Become a HawaiianMiles member Crockfords Las Vegas, LXR Hotels and Resorts Tips for unfreezing your credit Installation and labor: $75 to $250 per hour Navy Federal: Best for military members How to use Google Pay Cons The lottery annuity option 5. Investigate divorced spouse benefits Capital gains vs. fixed income 4. What are your qualifications? Address Choose the right coverage limits American Express® Gold Card Zolve Credit Card 2. Stock dividends 4. Help from robo-advisors Roll the dice with an upgrade hack Small-business owners Some beverages Leverage Volume, average volume and day’s range 6. Plan a safe travel route Humana Medicare Part D Equity REITs 2. Respond immediately to requests from Medicaid Earn a companion ticket with your spending 11. Denny’s 6. Pensacola Homebuyer Incentive Program (Pensacola) Part-year resident status rules 8. IT consulting Experience level About the Miles & More frequent flyer program 7. JetBlue could put you on another airline 4.Start applying for jobs or pitching your services How we picked the brands to evaluate 4. Consider flipping investment properties 4. What are the costs? Stream free while you can Alternatives to corporate lending Low-interest credit cards What this section tells you Poshmark Find preapproved auto loans Carry a balance or incur late fees What you can do 3. States with progressive tax structures 3. Tap your home equity for a loan or line of credit Price 3. Market analysis Leave 30% of your income for wants Does homeowners insurance cover tree damage to your neighbor’s property? 1. Find a dividend-paying stock How much would refinancing save you? 3. Conrad Maldives Rangali Island Update credit card information for bills Earn elite status (Pualani) Pros 3. Consider insurance for flooding and earthquakes 5. Use a Roth 4. Check out dividend-paying stocks Restaurant rewards Should you invest in retail stocks in 2023? Claim an annual IHG lounge membership as one of your IHG One Rewards milestone bonuses Call and ask for better terms 4. Consider extra coverage State Departments of Agriculture Net worth of U.S. families by income 3. Dividend reinvestment programs (DRIPs) Costs The cons Casino and entertainment 4. Fiverr Revocable life insurance trusts Payroll What does 'itemize' mean? Your credit utilization 4. Inventory: 17% to 25% of your total budget Rideshare insurance costs by company Mortgage REITs What to expect from the Capital One airport lounge amenities 3. If you haven’t heard from Medicaid, contact the program to find out the status of your coverage renewal 12. Edible Arrangements 7. Purchase Assistance Program (Panama City) Nonresident status rules 9. Catering 3. Land a brand deal and make sponsored content Copays, coinsurance and deductibles You want to diversify your investment portfolio International travel as an unaccompanied minor Walmart Foundation Switch to an income-driven repayment plan Index funds How to roll over funds — and avoid tax missteps 5. How will our relationship work? Buyouts Avianca additional carry-on baggage fees on flights from North America Occupation Debt consolidation Pros 5. Monitor your total credit utilization Ruby Lane 4. Take surveys for money People who want to cover their final expenses When are taxes due in October? 3. Submit your application and wait Beta 4. Real estate investment trusts (REITs) Equifax business credit scores 4. Barclays rewards Upgrade paid ticket to upper class Southwest Airlines How to freeze your credit Other ways to earn Choice Privileges points The details Cons Seasonal Energy Efficiency Ratio (SEER) Rating How states are combatting rental housing junk fees How to get (and pay for) Clear The cash option 6. Add your minor child 3. Car Shair How we chose the winner 6. Compare mortgage rates and fees Book through certain luxury travel agencies, like Virtuoso 6. Keep an investing journal Churn and burn Home prices keep climbing Pros of gold stocks Cheap auto insurance after an accident Net worth of U.S. families by age Cheapest life insurance companies for smokers in fair health 4. Special dividends 3. Set a target purchase price Don’t spend at least $300 a year on travel Where to get preapproved for a car loan Excursions Human resources Your money management style Best insurance company for affordability: NJM What if a tree lands on your car? 4. Understand time frames for renewing your coverage 13. Firehouse Subs 8. Down Payment Assistance Program (Tallahassee) 10. Social media management Location Earned income restriction Let them know you're a military member 8. Don’t forget about credit card travel protections Key terms in this story Comcast Business 5. Find financing for your business. Build your score and then switch cards 4. Sum of the years’ digits depreciation 5. Get a quote Credit history What this section tells you Pay the security deposit upfront in cash Why it’s the best Best insurance company for affordability: NJM Requirements Debt-to-income ratio EPS (TTM) and earnings date 4. Products and services Your payment history Hybrid REITs 2. Evaluate the stock How to get the best deal for a Lufthansa economy award flight 5. Explore new industries Redemption value 5. Gather your paperwork You are a budget-conscious traveler 6. What's your investment philosophy? Venture capital How to maximize your rewards Cons of gold stocks Net worth of U.S. families by race or ethnicity 5. Preferred dividends Etsy Co-signers or co-owners of debt Have problems justifying the costs beyond the travel credit Irrevocable life insurance trusts (ILITs) Bonus features Commit 20% of your income to savings and debt paydown 5. Marketing: Below 10% of your total budget (even 0%) How to get into a Capital One airport lounge 5. Seek outside help if Medicaid’s service is unsatisfactory 14. IHop 9. Down Payment Assistance Program (Leon County) Bank of America Charitable Foundation Our pick for: Beginner-friendly features Inverse performance Try different ways to avoid overspending 1. How long you have to rollover a 401(k): The 60-day rule Sustainable Agriculture Research and Education (SARE) Grants Cons Gratuities What you can do Afterpay: No-credit-check buy now, pay later loans Individual bank stocks Ex-dividend date Benefits Aetna Medicare Part D How to protect your home from tree damage Your credit age Experian business credit scores Book an upper class chauffeur How to request a copy of your credit report 4. Grand Wailea Maui, A Waldorf Astoria Resort 11. Business planning service 4. Sell some merch 4. Get quotes from at least three companies 1. Examine your cooling needs 3. Learn the difference between investing in stocks and funds What do I need for my loan application? 7. Suspend your benefit You can use credit card benefits to travel in basic economy How we assigned star ratings 5. Rent out a room 7. Know your strategy How to contact New York Life Net worth of U.S. families by education 6. Dividend funds What you need to get preapproved for a car loan 2023 tax rates by state Account linking 5. Financial information and projections Publicly-traded REITs 6. If your disenrollment is legitimate, seek other health insurance 3. Decide how much stock you want to buy 5. American Express Membership Rewards American Airlines 15. Melting Pot Demographics Excess Roth IRA contributions The premiums are expensive Exchange-traded funds 7. Gather your loan paperwork Hold IHG Royal Ambassador status 2. Taxes are withheld Home ownership What this section tells you 5. Make money from your blog with affiliate links Place a debit card hold Plan G vs. Plan N Medical care 5. Upwork 4. Borrow from your 401(k) 1-year target estimate Workforce management The following Southwest credit cards include upgraded boardings: 5. Money market funds 12. Tax consulting Frontier 2. Time it right How we verified our data You are strategic with rewards 7. What asset allocation will you use? Competition remains steady Finding coverage in tough markets Capital One SavorOne Cash Rewards Credit Card How to maximize your rewards Swappa, Gazelle Down payments and gift funds Government bonds Resident status rules 6. Website: Around $40 per month Combine points and cash to book your flight 16. Moe’s Southwest Grill Other sources for Choice Privileges points W.K. Kellogg Foundation Make 10 years' worth of payments 6. Pick your investments Leaving your money in your old 401(k) Illiquidity Individual gold stocks Cheapest car insurance after a DUI Risks of municipal bonds Fleet expense management tools What’s next? Risk Moving averages Talent Security 6. Future plans Winner: Virgin Atlantic Public non-traded REITs Card-to-card points transfers United Airlines 10. Down Payment Assistance Program (Gainesville) 5. Offer memberships Don’t forget your pineapples and papayas 1. Avoid filing your tax return on paper 3. Look for equipment rebates and tax credits 1. 'I’ll wait until the stock market is safe to invest.' Travel credits 8. Use a do-over Look at nonchain hotels Laundry Bank ETFs The following Southwest credit cards offer EarlyBird Check-In perks: 6. Capital One Rewards Consider surplus lines 17. P.F. Chang’s Open a business bank account and credit card The cash value is slow to grow Carnegie Corporation 1. Automate transfers How to use Samsung Pay Perks await when you fly economy with elite status Most popular Taxes 8. Get a preapproval letter Dividend per share (DPS) Plan G vs. Plan F Methodology Employee experience Tactic 3: Use your military benefits 11. SHIP Down Payment Assistance (Alachua County) 5. Waldorf Astoria Los Cabos Pedregal 13. PR agency Do Choice Privileges points expire? 2. Get direct deposit Our pick for: Fixed monthly payments Checked bags for elite members Driving record Sky High Farm Grants 6. Sell your wares on Etsy Consider vacation rentals Spa services How to have more taxes taken out of your paycheck How quickly could the IRS implement the child tax credit expansion? Customer support Cigna Medicare Part D 18. Pinkberry 2. 'I’ll buy back in next week when it’s lower.' Options 4. Zipcar Stocks Other general-purpose travel card reviews Transparency, regulation and data How to maximize your rewards Gold stock ETFs Dividend yield FHA appraisal Support and resistance Mobile Appendix: How the math works in our examples Best insurance company for accident forgiveness: Geico Part-year resident status rules 7. Office furniture and supplies: 10% of your total budget Private REITs Chase Dining Frontier Airlines 12. Homebuyer Assistance Program (Volusia County) Look for outside funding Fitch Ratings Insurer Financial Strength: AA- (very strong) The details The cash value rate of return can be low 3. Stay on top of things AT&T Business Certifications for minority woman-owned businesses Home equity loan 8. What investment benchmarks do you use? Best insurance company for accident forgiveness: Geico Wireless internet 6. OfferUp 1. Be concise 6. High-yield savings accounts 7. Citi ThankYou Points 19. Pizza Hut 14. Professional organizing 5. Buy your home insurance policy and read it closely Ford Foundation Apply for PSLF forgiveness 2. Count your coins and bills Mileage Farm Bureau Ag Innovation Challenge Term life insurance Compare Medigap plan types Benefits How to have less taxes taken out of your paycheck 5. Enter a debt management plan Integrations User experience Hawaiian Airlines 13. Affordable Home Ownership Assistance Program (Daytona Beach) J.D. Power Ranking You can’t control your portfolio 3. 'I’m bored of this stock, so I’m selling.' Bonds Cash out your 401(k) — which is rarely recommended 9. Choose a real estate agent carefully Prepared to put down roots? Flooding Cheapest auto insurance for poor credit 8. Utilities: Around $2 per square foot of office space Chase Experiences 20. Red Robin 6. Waldorf Astoria Park City 15. Photography Redeem points for hotel stays 4. One more thing to know about your tax refund 4. Set a budget for your stock market investment The risks and rewards of each Car storage 7. Self-publish an e-book Permanent life insurance Call and ask Drawbacks Past years' state tax rates Reviews Corporate bonds Vanguard 500 Index Fund (VFIAX) Nonresident status rules Disney Park Hopper is worth it if... NCQA Score Range: 4.5 out of 5 1. Choose to DIY or get some help Coca‑Cola Foundation Home equity line of credit 3. Prep for grocery shopping 9. Who is your custodian? Medicare enrollment periods Dividend payout ratio How to use a W-4 to owe nothing on a tax return 2. Use bullet points 8. Bank of America® rewards 21. Starbucks There can be tax implications if you withdraw cash from your policy Our pick for: An upgrade path Mutual funds 10. Narrow down your ideal type of house and neighborhood Years of driving experience Texas Rural Woman Grant Prime Visa
Mortgage insurance Vanguard Total Stock Market Index Fund (VTSAX) 9. Payroll: 25% to 50% of your total budget 7. CDs 16. Event space Airport lounge access Wildfires American Airlines credit cards Delta Airlines credit cards JetBlue credit cards Southwest Airlines credit cards United Airlines credit cards Other airlines' credit cards How to maximize your rewards Soft vs. hard credit inquiry 7. Poshmark U.S. Bank FlexPerks Reserve Visa Signature, U.S. Altitude Reserve Visa Infinite and Crystal® Visa Infinite® Credit Card 22. Wingstop 14. Down Payment Assistance Program (Orange County) 10. What tax hit do I face if I invest with you? How's your job security? Golden crosses and death crosses Greater level of automation 3. Speak to your audience Vanguard Total Bond Market Index Fund (VBTLX) Winner: Virgin Atlantic Aja Dang, Mstrpln 17. Interior decorating Home Depot Foundation Veteran Housing Grants Program 1. There are 8 million minority-owned businesses in the U.S. Cash-out refinance Exchange-traded funds How to enroll in Medicare Brighter Future Fund 8. Get advertising revenue from your blog or YouTube channel Property-based passive income ideas Southwest® Rapid Rewards® Performance Business Credit Card 23. Red Lobster 15. Dare to Own the Dream (Tampa) Car make and model U.S. Bank Altitude™ Reserve Visa Infinite® Card Data sync across all systems Best insurance company for having few customer complaints: American Family Vanguard Balanced Index Fund (VBIAX) 18. Woodworking or furniture building 2. Minority-owned businesses contribute $1.38 trillion in revenue and 7.2 million jobs to the economy. 4. Minimize restaurant spending Hotel status 5. Focus on investing for the long-term 1. Decide what type of investor you are. Best insurance company for having few customer complaints: American Family No-credit-check loan example 10. Professional consultants: Between $1,000 and $5,000 per year Chris Chung, The Everyday Millennial 16. East Tampa CRA Down Payment Assistance Program (Tampa) Gifting large sums of money to family Are you financially prepared? 4. Play to your strengths Vanguard Growth Index Fund (VIGAX) 8. Buy a rental property Disney Park Hopper is not worth it if... Chase Sapphire Preferred® Card Transfer points to other loyalty programs Her Village Grants Our pick for: No security deposit, low annual fee 3. Only 11% of minority-owned businesses have paid employees. Personal loan 11. Stick to your budget Fund-a-Farmer Grants Best Western credit cards Hilton credit cards Hyatt credit cards IHG credit cards Marriott credit cards Wyndham credit cards Other hotel credit cards Put money in a 401(k) California earned income tax credit (CalEITC) T-Mobile customers: Free in-flight text messaging and Wi-Fi on Gogo-enabled flights 24. American Eagle 19. Graphic design The details Transfer partners The 10 largest lottery jackpots Trim level Cheapest car insurance for young drivers Home purchase: Basic Home Mortgage 203(b) 5. Get a test reader Vanguard Small Cap Index Fund (VSMAX) Max Do, Max Miles Points Paying for vacations, cars or other stuff Silicon Valley Community Foundation 4. The combined total revenues of minority-owned businesses grew 35% over 5 years. 5. Get discounts on entertainment Wind Instacart Mastercard® 9. Become an Instagram influencer Testing a resistance level Employee engagement California young child tax credit (YCTC) 9. Rent out your own house 25. Anthropologie 20. Clothing boutique Other ways to redeem your points 2. Know your own ESG criteria 6. Manage your stock portfolio 1. Has the W-4 form changed? FHA refinance loans Vanguard Total International Stock Index Fund (VTIAX) 17. Homeownership Assistance Program (Miami-Dade County) Giving a laid-back loan Bill & Melinda Gates Foundation 5. Over those same five years, the average revenue per minority-owned business decreased by 2%. Safety features The FruitGuys Community Fund Fidelity® Rewards Visa Signature® Card Robust third-party integrations Put money in an IRA California child and dependent care tax credit Simran Kaur, "Girls That Invest" 26. Banana Republic 21. Bed and breakfast 6. Map out major purchases 12. Make the most of walk-throughs and open houses 11. Insurance: Average of $1,200 per year 10. Get a roommate Chase Sapphire Reserve® 18. First-Time Home Buyer Program (Hallandale Beach) Setting up joint bank accounts 3. Choose ESG investments Robert Wood Johnson Foundation 6. During the Great Recession, a net 2 million minority-owned businesses opened. Card ecosystem 2. Choose how much you want to invest. 2. What does it mean to be exempt from taxes? California adoption cost tax credit 27. DSW 22. Food truck Tiers Our pick for: No security deposit, low annual fee, potentially high credit limit 10. Monetize your Twitch channel FHA renovation loans Best insurance company for financial strength: Auto-Owners Winner: Virgin Atlantic Alternative investment passive income ideas Tae Kim, Financial Tortoise Clif Family Foundation 7. In a Census survey, 30% of BIPOC reported that they felt discouraged from seeking a loan. Young Farmer Grant Program Cheapest auto insurance for senior drivers Best insurance company for financial strength: Auto-Owners California nonrefundable renters tax credit 28. J. Crew Factory 7. Restrict online shopping 3. Gather your paperwork. Other specialty FHA loans 23. Restaurant or cafe 13. Don’t skip the home inspections Insurance company 12. Taxes: Variable, but 21% corporate tax rate Vivian Tu, Your Rich BFF Pros 29. Journeys 3. When should I review my W-4? Open a 529 account 11. Peer-to-peer lending Chase Freedom Flex℠ 24. Craft brewery 30. Madewell 8. Delay purchases with the 30-day rule 11. Sell your photography 4. Pick your investments. 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A list of the rewards programs that allow redemptions for Apple merchandise and gift cards are shown below.
In the cases where it's possible to redeem points for gift cards at the same rate as for cash back or a statement credit, it's probably better to buy the Apple product outright and use the points to pay yourself back. That way, you can earn rewards on the purchase, and you may be entitled to purchase protections that you won't get if you pay with a gift card.
Credit card reward program
Merchandise point value, in cents
Gift cards point value, in cents
Pentagon Federal Credit Union (PenFed) Rewards
American Express Membership Rewards
🤓 Nerdy Tip
The Apple Card earns Apple Cash that can be redeemed for purchases at any retailer, including Apple, or for a cash deposit to your bank account. It’s really a cash-back card, so it isn't included in our list.
1. Chase Ultimate Rewards® The Chase Ultimate Rewards® program offers the best value of any rewards system for redemption toward Apple merchandise. Points are worth 1 cent apiece for both merchandise and gift cards. That means 10,000 points are worth $100.
But frequent limited-time offers can increase that redemption rate for merchandise by 10%, 25% or even 50%, depending on which card you have. If you can hold off on your redemption until one of these offers is available, you'll get more value out of your points than you would for a statement credit or Apple gift card.
If you don't have enough points to cover a redemption through the Ultimate Rewards® portal, Chase will let you apply whatever points you have (as long as they pay for a 20% minimum of the total purchase) and charge the remaining cash balance to your card.
However, note that these options are below the valuation NerdWallet puts on Chase Ultimate Rewards® when transferred to travel partners instead.
2. U.S. Bank rewards U.S. Bank rewards earned on the Altitude and FlexPerks suites of cards can be redeemed for both Apple merchandise and gift cards.
Merchandise redemptions can be made by navigating to the Apple Rewards Store in the U.S. Bank Rewards Center, where points are worth approximately 0.85 cent apiece based on retail prices in the Apple store. That means 11,764 points are worth $100 when redeemed for merchandise.
But when redeemed for gift cards, points are worth 1 cent each. Gift cards are available in denominations of $10, $25, $50 and $100. That means 10,000 points are worth $100 when redeemed for gift cards. Occasional limited-time offers will provide a better redemption rate than this.
U.S. Bank rewards are worth 1 cent apiece when redeemed for a statement credit or bank transfer. So unless there's a promotional offer for using points at the time of your redemption, you'd be better off purchasing your Apple gear with your credit card to earn rewards on the purchase, then using your stockpile of points to offset the charge with a statement credit. Doing this gives you the added benefit of being able to shop at any retailer — not just directly through Apple.
3. Pentagon Federal Credit Union (PenFed) Rewards PenFed offers two credit cards that earn points redeemable for Apple merchandise and gift cards.
As of October 2022, merchandise redemptions can be made by navigating to the PenFed Rewards portal and selecting the Apple Rewards banner. Based on retail prices from the Apple store, merchandise redemptions result in a point value between 0.6 cent and 0.8 cent apiece.
Points are worth 0.85 cent apiece when redeemed for gift cards, which are available in denominations of $25, $50, $100 and $250. That means 11,764 points are worth $100 when redeeming for gift cards.
There is no direct way to convert PenFed Rewards to cash, but they can be redeemed for travel purchases at a rate of 1 cent apiece.
If you're looking to burn your rewards on a new MacBook or some AirPods, you'll get the best value through redeeming for gift cards, then using those for your purchase.
4. Barclays rewards Applications are currently unavailable for new cardholders looking to earn Barclays rewards. But legacy cardholders of any of the Barclays Arrival cards and those who were moved in a product change to the Barclays View Mastercard are still eligible to earn and redeem rewards.
If you have one of these cards, rewards can be cashed in for Apple gift cards at a redemption rate of 0.5 cent apiece. That means 10,000 points are worth $50 when redeemed for gift cards, which are available in denominations of $25, $50, $100 and $250.
You can also redeem your rewards directly for Apple merchandise, but the gift card will generally provide more value. Based on retail prices direct from Apple, the redemption rate for merchandise will range between 0.3 cent and 0.5 cent per point.
These rates are well below the baseline value of 1 cent per point cardholders can get when they redeem Barclays rewards for a statement credit against travel purchases. Even if you’re strapped for cash, you’d probably be better off trying to cover the cost of a flight or hotel room with rewards and purchasing Apple gear outright.
5. American Express Membership Rewards American Express Membership Rewards can be used to purchase Apple gift cards at a redemption rate of 0.85 cent apiece. Gift cards are available in denominations of $10, $25, $50, $100 and $500. That means 11,764 points are worth $100 when redeeming for gift cards. Similar to other issuers, AmEx also releases limited-time offers that increase the value of points redemptions for gift cards.
While this rate is better than the 0.6 cent per point cardholders can receive when redeeming their Membership Rewards for a statement credit, it is still below the baseline value of 1 cent per point available when using points to instead book travel through the AmEx travel portal. And if you’re an optimizer, both of those rates are well below the value NerdWallet puts on Membership Reward points when transferring to travel partners.
6. Capital One Rewards Points earned on Capital One cards (called miles) can be used for Apple gift cards at a redemption value of 1 cent apiece. That means 10,000 miles are worth $100 when redeemed for gift cards. Gift cards are available in denominations of $25, $50, $100 and $200. Like many other issuers, occasional limited-time promotions may provide an enhanced redemption rate.
But Capital One miles can also be used toward cash back or a statement credit at a value of 1 cent per point. If you’re looking for Apple products, you’d probably be better off charging the purchase to your credit card and earning credit card rewards, then covering the purchase price with a statement credit or cash-back redemption. This also has the added benefit of being able to shop at any retailer — not just directly through Apple.
7. Citi ThankYou Points Citi ThankYou points can be redeemed for Apple gift cards at a value of 1 cent per point. Gift cards are available in denominations of $25, $50 and $100. That means 10,000 points are worth $100 when redeemed for gift cards. This redemption value is equal to the cash-back value of ThankYou points when redeemed directly to a bank account or for a statement credit.
Instead of redeeming points for gift cards, you'd be better off buying that new Mac Mini with your credit card and earning ThankYou points on your purchase; then redeeming your ThankYou points for a statement credit against the charge.
8. Bank of America® rewards Points earned on Bank of America® credit cards can be redeemed for Apple gift cards at a redemption value of 1 cent per point. That means 10,000 points are worth $100 when redeemed for gift cards, which are available in denominations of $25, $50, $100, $150, $200, $250 and $500.
Bank of America® points can also be redeemed for a statement credit or as a cash transfer to a deposit account at a value of 1 cent apiece. So if you have a pile of Bank of America® rewards that you want to redeem for a new iPhone, you'd be better off making the purchase with your rewards-earning credit card and offsetting the purchase with a statement credit. This way, you can also shop around for the best deal and not be forced to make your purchase directly through Apple.