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Ben Luthi

Ben is a former credit card specialist for NerdWallet who wrote card reviews and comparisons and covered credit-related issues affecting consumers.

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Posts by Ben Luthi:
Purchase Protection- Which Credit Cards Cover Your Belongings Story

Purchase Protection: Which Credit Cards Cover Your Belongings

Ben Luthi
Feb. 19, 2021

Several credit cards offer purchase protection, which acts as insurance against an item being stolen or damaged for a certain period of time after you buy it. Here’s a look…

Read More

How to Apply for a Credit Card So You’ll Get Approved

Ben Luthi & Gregory Karp
March 22, 2021

Applying for a credit card is as simple as entering your information into an online form and clicking “submit.” But getting approved for a credit card? For some, it requires a little know-how and…

Read More
build wealth_social

Using a Credit Card to Build Your Credit

Ben Luthi
Oct. 26, 2017

Using a credit card has a direct influence on the most important factors that go into your credit score. So getting a credit card and using it regularly and responsibly is one of the…

Read More
Lenders Look at More Than Just Your Credit Score-story

Lenders Look at More Than Just Your Credit Score

Ben Luthi & Amrita Jayakumar
Oct. 31, 2019

If you’re in the market for a loan, your credit score is one of the biggest factors that lenders consider, but it’s just the start. Lenders like to see an…

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Capital One Spark Miles vs. Chase Ink Preferred: Which Business Travel Card Is Best?

Ben Luthi & Ellen Cannon
Oct. 1, 2020

If you’re a small-business owner who travels regularly, using the right credit card for your expenses can translate into serious savings on your trips. The and the are among the best choices available…

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Rapid Rescoring: Perks and Pitfalls

Rapid Rescoring: Perks and Pitfalls

Ben Luthi
Aug. 25, 2016

When you’re applying for a loan, every point in your credit score counts. If you have a negative error on your credit reports, you may not be eligible for as low…

Read More
4 Reasons to Reconsider Living Without Credit

Life Without Credit: 4 Reasons to Think Twice

Ben Luthi
Aug. 11, 2016

The average indebted American household had $145,085 credit card, mortgage, auto and student loan debt, a 2020 NerdWallet study found. With the amount that consumers owe seeming to increase each year,…

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Business Cash Back Comparison: Capital One Spark Cash vs. Ink Business Cash

Ben Luthi
April 27, 2016

Using a cash back credit card for your business can push a few more dollars down to your bottom line, which is always a good thing. The and the are among…

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The Best Dining Rewards Programs

Ben Luthi & Curtis Sprung & Erin Hurd
April 16, 2021

Going to a restaurant is generally more expensive than cooking at home, but if you like to eat out, signing up for a dining rewards program can help make the…

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A Win for Shoppers as Aldi Starts Taking Credit Cards

A Win for Shoppers as Aldi Starts Taking Credit Cards

Ben Luthi
March 7, 2016

Aldi, a low-cost supermarket chain with nearly 1,500 locations nationwide, recently announced that it had begun accepting credit cards on the four major U.S. payment networks: Visa, MasterCard, Discover and American Express. The…

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