Discover is sending out an email to many of their credit cardholders with various spend offers:
Activate to earn $250 when you spend $2,500 by 12/31/23. That’s in addition to standard credit card rewards.
Activate to earn extra 2% cash back on all purchases through 12/31/23. Valid on up to $2,000 in purchases.
This one can also stack with the Q4 5% categories.
Activate to earn 6% back at Grocery Stores, on up to $1,000 in spend, until 12/31/23. That’s in addition to standard credit card rewards.
Others got a similar offer for 6% back at Walmart or for Digital Wallets.
Our Verdict
Some nice offers here. I was lucky to get the $250 bonus offer. I’m not sure if everyone got one of these offers or it’s targeted; search email for <[email protected]> to find and activate.
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Information in this piece is accurate as of August 2023.
The best credit cards provide you with cash back rewards, points you can redeem for purchases at your favorite stores, travel miles and much more. Each credit card is fine-tuned with specific perks and benefits, and you’ll find plenty here that will fulfill your needs.
We’ve reviewed 25 credit cards from our partners that not only provide great rewards, but we’ve found the best credit cards for people with no credit, bad credit and fair credit. We’ve also provided a complete guide to help you better understand how credit cards work, as well as some tips to assist you in choosing the right one.
Table of Contents:
Best Overall Cards From Our Partners
The best credit cards bring in new customers by providing various perks, bonuses and benefits. The following credit cards have some of the best sign-up offers that come in the form of cash back rewards and travel miles.
Best for: Repairing credit
Secured Chime Credit Builder Visa® Credit Card
Apply Now
on Chime’s secure website
Annual fee
Recommended credit score
You can qualify for the Secured Chime Credit Builder Visa® Credit Card with a $200 direct deposit
or more, and all you need is a checking account. As you use this secured credit card, you can
build your credit score—and there’s no minimum security deposit.
see more details
Pros
Helps build credit
No security deposit required
No interest
Cons
Needs Chime checking account
Best for: Low APR
Upgrade Cash Rewards Visa®
Apply
Now
on Upgrade’s secure website
Annual fee
Recommended credit score
The Upgrade Cash Rewards Visa® card has a flat rate rewards program for all purchases, which go on
your card when you make your monthly payments. The card also comes with peace of mind from its free
fraud liability program.
see more details
Pros
No annual fee
Fraud liability
Flat rate rewards
Cons
No debt card for welcome bonus
Balance Transfer
Balance transfer credit cards allow you to transfer debt from one account to another, and the best ones come with little to no fees.
Best for: Bonus categories and balance transfers
UNITY® Visa Secured Credit Card – The Comeback Card™
Apply
Now
on OneUnited Bank’s secure website
Annual fee
Recommended credit score
The UNITY® Visa Secured Credit Card – The Comeback Card™ is not only a balance transfer card, but
it’s a secured credit card as well, so there’s no minimum credit score required. This card has a
9.95% balance transfer rate for six months and a low fixed-interest rate of 17.99%.
see more details
Pros
No minimum credit score required
Low fixed interest rate
Fast approval
Cons
Annual fee
$250 deposit to open account
No Interest
Low interest is great, but having 0% interest is even better. These cards have their advantages and disadvantages, such as the advantage of not needing a good credit score, but their usage may be limited.
Best for: No interest
Merit Platinum Card
Apply
Now
on Merit Platinum’s secure website
Annual fee
Recommended credit score
The Merit Platinum Card does have an annual fee broken into monthly payments of $14.77, but their 0%
APR makes up for this. They also allow for a seven-day risk-free trial. With this card, you’ll gain
access to a $750 line of credit for Horizon Outlet and have other member benefits like roadside
protection and credit report monitoring.
see more details
Pros
0% APR
$750 line of credit
Works with bad or no credit
Cons
Annual fee
Can only use at Horizon Outlet
Doesn’t report to credit bureaus
Best for: No interest
Net First Platinum
Apply
Now
on NetFirst Platinum’s secure website
Annual fee
Recommended credit score
The Net First Platinum is a credit card that you can get approved for without any credit as well as
if you have bad credit. It provides you with a $750 line of credit for Horizon Outlet, and you also
receive member benefits like legal assistance, roadside protection and identity theft insurance.
see more details
Pros
0% APR
$750 line of credit
Works with bad or no credit
Cons
Annual fee
Can only use at Horizon Outlet
Doesn’t report to credit bureaus
Best for: No APR
Freedom Gold Card
Apply
Now
on Freedom Gold’s secure website
Annual fee
Recommended credit score
The Freedom Gold Card gives cardholders a $750 line of credit for Horizon outlet, which sells a wide
range of products as well as clothing. There’s no credit check or employment check required to get
approved, either. It also comes with additional member benefits like roadside protection.
see more details
Pros
No activation fee
$750 credit limit
No credit check
Cons
Annual fee
Can only use at Horizon Outlet
Lowest Interest
One of the primary factors people look for in a credit card is a low annual percentage rate (APR). This is the interest you pay on purchases after the introductory rate.
Best for: Bonus categories and balance transfers
UNITY® Visa Secured Credit Card – The Comeback Card™
Apply
Now
on OneUnited Bank’s secure website
Annual fee
Recommended credit score
The UNITY® Visa Secured Credit Card – The Comeback Card™ is not only a balance transfer card, but
it’s a secured credit card as well, so there’s no minimum credit score required. This card has a
9.95% balance transfer rate for six months and a low fixed-interest rate of 17.99%.
The Applied Bank® Secured Visa® Gold Preferred® Credit Card provides you with a credit limit of up to
$5,000 and has no minimum requirement for your credit score. You can open an account with a deposit
as low as $200.
see more details
Pros
Low fixed APR
High max credit limit
Cons
Annual fee
Cash Back
Cash back credit cards put money back in your pocket based on your spending. This can be either a flat rate or for specific categories like dining, entertainment or retail shopping.
Best for: Auto, home and health spending
Upgrade Triple Cash Rewards Visa®
Apply
Now
on Upgrade’s secure website
Annual fee
Recommended credit score
The Upgrade Triple Cash Rewards Visa® credit card provides 3% cash back for auto, home and health
categories. This is a quality choice if you’re doing home upgrades, repairing your car or purchasing
medications and using a gym membership
see more details
Pros
Up to 3% cash back
Umlimited rewards
Fraud liability coverage
Cons
Niche reward categories
Need debit card for welcome bonus
Best for: High percentage rewards
Petal® 2 Card
Apply Now
on Petal’s secure website
Annual fee
Recommended credit score
The Petal 2 card has no fees and is the perfect card for individuals with credit scores from poor to
excellent. You’ll receive 1% to 1.5% cash back on all purchases and up to 10% cash back when
shopping at certain stores.
see more details
Pros
No fees
High cash back rewards
No minimum credit score
Cons
No introductory offer
High APR
Travel
For those who travel, travel cards with top-tier rewards may be the right choice for you. You can get free airline miles along with other perks like points for rental cards and hotel stays.
Best for: Travel
Mastercard® Black Card™
Apply
Now
on Luxury Card’s secure website
Annual fee
Recommended credit score
The Mastercard® Black Card™ is a travel card that has 2% airfare redemptions with no blackout dates
or seat restrictions. You’ll also receive enrollment in Priority Pass™ Select, with access to 1,300+
airport lounges worldwide with no guest limit.
see more details
Pros
Low ongoing
Lounge access
Luxury travel benefits
Cons
High annual fee
Best for: Low APR and travel
Mastercard® Titanium Card™
Apply Now
on Luxury Card’s secure website
Annual fee
Recommended credit score
The Mastercard® Titanium Card™ is a travel card with a low ongoing APR of 19.24%. You’ll receive 24/7
Luxury Card Concierge® as one of the benefits along with 2% for airfare demptions with no blackout
dates or seat restrictions.
see more details
Pros
Luxury Card Travel® benefits
Airfare rewards
Cell phone protection
Cons
Annual fee
Best for: Low APR and travel
Mastercard® Gold Card™
Apply
Now
on Luxury Card’s secure website
Annual fee
Recommended credit score
The Mastercard® Gold Card™ has 2% airfare redemptions with no blackout dates or seat restrictions and
2% cash back. You also receive lounge access at over 1,300 airports worldwide and additional
benefits at hotels like room upgrades and free wifi.
see more details
Pros
Luxury Card Travel® benefits
Airfare rewards
Lounge access
Cons
High annual fee
Bad Credit
In order to build credit, you need a history of good credit—these are our top picks for credit cards if you’re working on improving your mid- to low-range credit score by adding more positive payments to your credit report.
Best for: Groceries and gas
Aspire® Cash Back Reward Card
Apply
Now
on Aspire’s secure website
Annual fee
Recommended credit score
The Aspire® Cash Back Reward Card gives cardholders a credit line of up to $1,000, and you’ll also
receive 1% cash back on all of your purchases. When shopping for groceries or getting gas, you can
earn up to 3% cash back as well.
see more details
Pros
Up to 3% cash back
1% flat-rate on other purchases
Up to $1,000 credit limit
Cons
Annual fee
High APR
Fair Credit
If your credit score falls within the 630 to 689 range, while not an excellent credit score, there are still plenty of cards you can apply for.
Best for: Building credit
Avant Credit Card
Apply
Now
on Avant’s secure website
Annual fee
Recommended credit score
The Avant Credit Card allows people with a credit score of 580 to 669 begin building their credit
score. It can be difficult to get a credit card with a fair credit score, so this card can be quite
helpful—they alsoregularly review your payment history for potential credit line increases.
see more details
Pros
Fast and easy application
Soft inquiry for credit check
Cons
Annual fee
High APR
Best for: Low APR
Upgrade Cash Rewards Visa®
Apply
Now
on Upgrade’s secure website
Annual fee
Recommended credit score
The Upgrade Cash Rewards Visa® card has a flat rate rewards program for all purchases, which go on
your card when you make your monthly payments. The card also comes with peace of mind from its free
fraud liability program.
see more details
Pros
No annual fee
Fraud liability
Flat rate rewards
Cons
No debt card for welcome bonus
Secured Credit Cards
Secured credit cards are a great option for those with no credit or bad credit. They work by providing you a credit line that uses your own money. You simply make a deposit, which becomes your credit limit, and you raise your score as you use your card and make your monthly payments.
Best for: Repairing credit
Secured Chime Credit Builder Visa® Credit Card
Apply
Now
on Chime’s secure website
Annual fee
Recommended credit score
You can qualify for the Secured Chime Credit Builder Visa® Credit Card with a $200 direct deposit
or more, and all you need is a checking account. As you use this secured credit card, you can
build your credit score—and there’s no minimum security deposit.
see more details
Pros
Helps build credit
No security deposit required
No interest
Cons
Needs Chime checking account
Best for: Repairing credit
PREMIER Bankcard® Secured Credit Card
Apply
Now
on PREMIER Bankcard®’s secure website
Annual fee
Recommended credit score
The PREMIER Bankcard® Secured Credit Card doesn’t require a checking account, and you can have a
credit limit of however much you deposit, up to $5,000. Regardless of your credit score, you can use
this card to begin building or repairing your credit.
The Applied Bank® Secured Visa® Gold Preferred® Credit Card provides you with a credit limit of up to
$5,000 and has no minimum requirement for your credit score. You can open an account with a deposit
as low as $200.
see more details
Pros
Low fixed APR
High max credit limit
Cons
Annual fee
Best for: Secured credit
The First Latitude Platinum Mastercard® Secured Credit Card
Apply Now
on First Latitude’s secure website
Annual fee
Recommended credit score
The First Latitude Platinum Mastercard® Secured Credit Card offers lines of secured credit between
$100 and $2,000. During your first year, they have an introductory offer for a $25 annual fee, which
changes to just $35 per year after that.
see more details
Pros
Low first-year annual fee
No credit score requirement
Low minimum deposit
Cons
Annual fee
*FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit offer.
The Top Cards
The best credit cards depend on what you need. Whether you’re looking for a card that has low interest, one with the most rewards or one that gives you points for traveling, we broke down the top cards into nine categories.
Using similar criteria to our overall methodology, we’ve chosen the top card from each category.
How We Chose the Best Credit Cards
To rank the best credit cards, we reviewed over 25 credit cards from our partners. The primary criteria we looked at takes into consideration aspects cardholders look at during their decision-making process and includes:
Intro APR (10 points)
Regular APR (20 points)
Fees (15 points)
Works with low credit scores (15 points)
Cash back rewards (20 points)
Bonus offers (15 points)
Additional perks (5 points)
The best credit cards depend on your specific wants, needs and circumstances based on your specific credit score. Below, we discuss more about how to choose the right credit card for your situation.
There’s a lot of information about each specific card, so we listed the top cards with each of their primary benefits below to give you an overview at a glance.
Best Overall Cards From Our Partners
Secured Chime Credit Builder Visa® Credit Card: This is a card that is for individuals with bad credit or no credit, and it also has 0% interest on purchases. There’s no minimum security deposit as well.
Upgrade Cash Rewards Visa®: For every purchases, you make with this card, you’ll receive 1.5% cash back, and it also comes with a $200 signup bonus.
Best Balance Transfer Credit Cards
UNITY® Visa Secured Credit Card – The Comeback Card™: 9.95% on balance transfers for the first six months and then 17.99% fixed APR after.
Best Credit Cards for No Interest
Secured Chime Credit Builder Visa® Credit Card: This secured credit card helps those looking to repair or build credit and comes with 0% interest. There’s also no minimum security deposit.
Merit Platinum Card, Net First Platinum and Freedom Gold Card: Each of these cards comes with the same benefit of 0% interest as well as member benefits for their $177.24 annual fee. Although the card is limited to shopping at Horizon Outlet, 0% interest is hard to beat.
Best Credit Cards for Low Interest
UNITY® Visa Secured Credit Card – The Comeback Card™: 9.95% on balance transfers for the first six months and then 17.99% fixed APR after.
Applied Bank® Secured Visa® Gold Preferred® Credit Card: This card gives cardholders a credit limit of up to $5,000, and there’s no minimum credit score required. It also has a low 9.99% fixed interest rate and is great for anyone looking to build their credit score.
Best Cash Back Credit Cards
Upgrade Triple Cash Rewards Visa®: Ongoing APR as low as 14.99% on all purchases along with 3% cash back on home, auto and health purchases.
Petal® 2 Card: The Petal® 2has one of the highest cash back percentages at 10% when you shop at select merchants, and you’ll receive 1.5% cash back on all other purchases.
Best Travel Credit Cards
Mastercard® Titanium Card™: 0% APR for the first 15 billing cycles and 2% rewards on airfare redemptions with no blackout dates or seat restrictions.
Mastercard® Gold Card™: 0% APR for the first 15 billing cycles and 2% rewards on airfare redemptions with no blackout dates or seat restrictions.
Mastercard® Black Card™: 0% APR for the first 15 billing cycles and 2% rewards on airfare redemptions with no blackout dates or seat restrictions.
Best Credit Cards for Bad Credit
Secured Chime Credit Builder Visa® Credit Card: Secured credit card you can open with a $200 deposit or more along with a checking account.
Aspire® Cash Back Reward Card: A secured credit card option that also gives you 1% cash back on all of your purchases. You can also earn up to 3% cash back on groceries and gas.
Best Credit Cards for Fair Credit
Avant Credit Card: Can qualify with a credit score between 580 and 669.
Upgrade Cash Rewards Visa®: Ongoing APR as low as 14.99% and 1.5% flat-rate cash back on purchases.
Best Secured Credit Cards
Secured Chime Credit Builder Visa® Credit Card: Secured credit card you can open with a $200 deposit or more along with a checking account.
PREMIER Bankcard® Secured Credit Card: Secured credit card with a spending limit of up to $5,000.
Applied Bank® Secured Visa® Gold Preferred® Credit Card: Requires a $200 deposit and can go up to $5,000.
The First Latitude Platinum Mastercard® Secured Credit Card: Secured credit card with a limit of between $100 and $2,000.
A Beginner’s Guide to the Best Credit Cards
Whether you’re new to credit and credit cards or are experienced and just looking for the best options, this brief guide will provide you with additional information before choosing your new card.
How Do Credit Cards Work?
Credit cards are like taking out small loans, allowing you to buy something now and pay for it later on. You’ll need to pay back the money you borrowed on your credit card, and this comes with interest.
Some cards offer 0% interest for a certain amount of time, which means you’ll only pay back the same amount charged on the credit card.
Here’s what a basic credit card transaction looks like:
The purchase: Make a purchase with your credit card.
The authorization: The card reader used to run your card contacts your credit card company to ensure the funds are available based on your max limit.
The merchant payment: Your credit card company pays the merchant for the product or service you purchased.
The credit card payment: Each month, you’ll have a statement that shows how much you owed based on all of the purchases you made.
Learn more: How do credit cards work?
How Do Credit Card Rewards Work?
Credit cards with the best rewards will give you a high percentage of cash back or points that you can use at places you make purchases. The following are the two main types of rewards:
Cash back: Cash back rewards pay down your balance. For example, if you’re getting five percent cash back on $5,000 worth of purchases, those purchases would technically cost $250 less.
Points and miles: Rather than cash back, some cards offer points or miles. You can use points to redeem gift cards and other merchandise. With travel cards, your earned miles give you discounted or free travel, depending on how much you have saved.
The rate of the rewards come in two different forms as well:
Flat rate: Cards that offer flat rate rewards give you the same percentage on all purchases. While this is more consistent, they’re lower than tiered rewards.
Tiered rewards: The most common rewards cards offer tiered rewards, which means you receive different rates based on where you use your card. For example, you may receive five percent cash back on groceries, travel and fuel but one percent for everything else.
Which type of reward structure you choose should be based on how you spend. If a card has tiered rewards with a high percentage cash back on purchases you make regularly, that type of card may be a better option. And if you travel a lot, you may benefit more from a travel card rather than a cash back rewards card.
Learn more: 5 ways to maximize credit card rewards without overspending
How Do You Track Credit Card Rewards?
The majority of credit cards have a separate account that stores your rewards, which you can access through your credit card’s website or mobile app. Depending on the card and card issuer, you may see your rewards instantly after purchases, or they may not appear until the following billing cycle.
Here’s how the reward process looks:
You make a purchase
Your rewards are calculated based on a flat rate or tiered rewards
Your rewards are credited to your account
You redeem your rewards through the card issuer’s website or mobile app
Learn more: Ways to redeem your credit card reward points
How Does APR Work?
APR stands for annual percentage rate, which is the interest you’ll pay on your purchases. Simply put, this is what the card issuer charges you for borrowing money through your line of credit. Depending on the credit card, the APR may be fixed or changed based on the current economic conditions.
Below, we’ve listed some more helpful information about interest:
Your interest rate is generally based on your credit score, and you’ll get approved for lower rates when you have a better credit score.
While interest is shown as an annual rate, you’re charged, daily. For example, a 20 percent APR divided by 365 days in the year means you pay roughly .055 percent per day.
Your monthly statement shows how much interest you’re being charged.
Interest is not compounded, so you’ll pay your full interest cost each month.
Learn more: Help! I really don’t understand my credit card APR
How Does the Credit Card Application Process Work?
In the early days, credit card applications were done on paper, but now, you mainly do them online. When you apply for a credit card, the card issuer is evaluating your level of risk and trustworthiness based on your credit score. A good credit score indicates that you’ll pay back the money you borrow from your line of credit.
Here’s what the application process looks like:
Step 1: Fill out the application. You’ll need some personal information like your name, address and Social Security number. The card issuer may request other items.
Step 2: The card issuer runs your credit, which will check your score as well as your actual credit report. The credit score is just a number, but the report gives additional details such as how many cards you recently applied for or any additional details they may need.
Step 3: You’ll receive an approval or denial. These days, many online applications approve or deny you within just a few minutes.
If you’re approved for the credit card, you’ll typically receive the card by mail within 10 business days. Once you receive it, you can activate it and begin spending.
Learn more: How to apply for a credit card online
How Many Credit Cards Should You Have?
How many credit cards you have is really dependent on your situation and your preferences. There’s no optimal number of credit cards. Rather than the number of credit cards you have, you should take into consideration your credit utilization as well as how often you’re applying for new cards.
For example, if you have 10 credit cards but have a 20 percent credit utilization ratio, you’re doing great. But if you have three cards with a 70 percent utilization ratio, that can hurt your score. If you were to have that high of a utilization ratio with 10 cards as well, that would hurt your score. If you apply for new cards too often, this can also harm your score.
Learn more: How many credit cards is too many?
Types of Credit Cards Explained
When choosing a credit card, it’s helpful to know the various types. Different cards are beneficial for different lifestyles, purchasing decisions and personal preferences. Below, we’ve listed some of the most common types along with a brief summary of what they do.
Rewards cards: These cards pay you back via cash that you can use to pay down your credit card debt or points that you can redeem at stores or in the form of airline miles. You earn rewards by using your card.
Balance transfer cards: All credit cards have interest that you need to pay, but some have lower rates than others. Balance transfer cards allow you to move debt and give you a year or more to pay it back with no interest. This often comes with a fee, but the fee is usually less than the interest.
Low and no interest cards: These cards are some of the most popular because interest payments make purchases cost more than the original price. For those who plan on carrying their balance over to the following month, these are the ideal cards.
College student cards: Young people are just starting out with credit building, so these cards get marketed towards college students and can help with the process. They’re easier to get approved for, but you’ll still need to meet qualifications beyond being a student to receive an approval.
Small business cards: Business owners and entrepreneurs often need to make purchases with credit, and these cards offer perks that are specifically geared towards business categories.
Cards for building credit: Whether you have no credit or bad credit, these cards can help you repair or build your credit score when you use them responsibly and make payments on time. They’re easier to receive an approval for, but they sometimes come with high interest rates or deposits.
How Credit Card Companies Work
In order to understand how credit card companies work, it’s helpful to know that they’re more than just companies. Each card company works within a network, and, sometimes, they’re partnered with another brand.
Credit card issuers: A credit card company is the card issuer. This can be a bank or financial institution that maintains your account. For example, Wells Fargo, Chase and Capital One are all card issuers.
The network: On every credit card, you’ll see names like Visa, Mastercard, American Express or Discover. These are basically the go-between companies that manage the transaction.
Co-brand partners: In some cases, cards have branded partners. An example would be an airline, hotel or store credit card.
Let’s look at an example using one of the top cards from our Travel category, the Citi Premier® Card. Citi Bank is the card issuer, using the Mastercard network and doesn’t have a co-brand partner. Then, there are cards like the Hilton Honors American Express Card, where American Express is the card issuer and the network, and Hilton Hotels is the co-brand partner.
Top Credit Card Companies
There are quite a few credit card companies out there, but which one is the best? J.D. Power does a regular study to see which one is the best.
Here are the rankings of the top 10 companies from the 2022 J.D Power U.S. Credit Card Satisfaction Study based on a 1,000-point scale:
American Express (848 points)
Discover (841 points)
Bank of America (818 points)
Segment Average (814 points)
Chase (813 points)
Capital One (812)
Citi (808)
Barclays (797)
Wells Fargo (797)
U.S. Bank (791)
Remember, what’s considered “the best” is subjective, so you may want to do additional research to see which company is right for you. Some may have benefits that suit your needs and spending habits, or you may find it better to get a card through your current bank.
How to Choose the Card That’s Right for You
There’s a lot to consider when choosing the right credit card, so we’ve listed some of the primary features of various cards to help you make the best for you. It’s also helpful to remember that by improving your credit score, you’ll have more options for which credit card companies will approve your application.
Annual Fees
Many cards come with no annual fee, but the ones that do often offer some additional perks and benefits. You’ll need to see if the fee makes sense based on what you’ll use the card for.
A great example is when it comes to travel credit cards. These may come with a fee, but you might save more than enough due to the rewards you gain in comparison to the annual fee.
Other Fees
Different cards come with different fees, and they’re not always advertised front and center when you’re applying for a credit card. You’ll often need to go looking on the application page for additional information to find out which fees you’ll pay as you use your card.
Some of the most common fees include:
Balance transfer fee: A fee for transferring debt from one card to another, which is often a percentage of the amount transferred.
Foreign transaction fee: When you’re out of the country, many cards charge up to 3% for using your card while traveling abroad.
Cash advance fee: Some credit cards allow you to use them like an ATM card for a cash advance, but these come with high interest rates as well as a fee.
Late fees: Credit cards usually have a grace period for making your payments, but these may also come with a late fee.
Learn more: How much does one late payment affect credit scores?
Introductory Rates
Credit card companies make money by charging interest, but many have promotional offers where you’ll receive low interest on purchases for a certain amount of time. Some are as low as 0% interest.
Regular Rates
Regular rates, also called “ongoing rates,” are the interest rates you pay once the introductory period is over. You can find this rate in the terms and conditions on the application, so you can use it to compare it to other cards.
Rewards
We’ve gone over the various types of rewards, such as flat-rate, tiered and points. This is where comparing cards gets specific to your lifestyle. If you travel a lot, a card with travel rewards may be right for you, but if you don’t, you may want to look at cards that give you cash back at places where you shop. You may also get a sign-up bonus with some credit cards that come as cash back rewards or points.
Perks
In addition to rewards, there are sometimes additional perks like cell phone insurance, identity theft security, rental car coverage and more.
How to Get a Credit Card in Six Steps
Now that you have all the knowledge you need to choose the right card, we’re going to put it all together in six simple steps:
Step 1: Check your credit score to know what types of cards you can apply for.
Step 2: Research various cards that sound like they might be the right ones for you
Step 3: Narrow down your options so you don’t apply for too many cards. Remember, each application may trigger a hard inquiry on your credit report, which can temporarily drop your credit score.
Step 4: Apply for the card through the card issuer’s website.
Step 5: Wait for a decision.
Step 6: If you’re approved, you should receive your card within 10 business days, and then you can start using the card for purchases once the card is activated.
FAQ
The following are some additional questions people have about finding the best credit cards.
What’s the Best Credit Card?
There’s no single best credit card. The card that’s the “best” will vary from person to person based on their needs, credit score and lifestyle.
What’s the Best Credit Card Company?
According to J.D. Power’s 2022 survey, American Express is the best credit card company. This is based on criteria like customer satisfaction based on a specific sample size, so some people may prefer a different card issuer.
When is it Time to Get a New Credit Card?
Here are a few reasons you may want to get a new credit card:
To increase your credit limit
To increase your credit utilization ratio
To accommodate a lifestyle change like traveling more often
Improve Your Odds of Getting the Best Card
To get the best credit cards and have endless options, improving your credit score should be your top priority. The best credit cards with the most rewards and best perks typically look for applicants with a score of 690 or higher—falling within the “good” to “excellent” range.
Credit.com has a wide range of services like our ExtraCredit program, which can help you learn more about credit and may lead to better credit health. If you’re unsure of your credit score, get your credit score for free here.
No direct link to offer, some people are targeted online via pre-approval
Chase is offering some increased offers in branch:
Chase Ink Business Premier: $1,500 bonus after spending $10,000 on purchases in the first three months
Chase Ink Business Unlimited: $1,200 bonus after $6,000 on purchases within the first three months
Our Verdict
These are the same offers that are being offered in branch, look to also be offered online now as well via -pre-approval offers. Great offers if you’re targeted.
This week, I read an article in the WSJ about paying the mortgage with a credit card.
Either things are really bad in the economy, or things are really bad at the WSJ. Or they’re about to be.
Regardless, it’s not a great strategy to put the mortgage on plastic, which is why most card issuers don’t allow it.
Ultimately, they don’t want you paying your debt with other debt, especially secured with unsecured.
But there might be a way to still keep your cash flow without putting the mortgage payment on a card.
Take Advantage of the Many 0% APR Credit Cards Out There to Shift Your Spending
When you think about making this payment or that payment, it all basically comes from the same place. Your bank account.
So you can indirectly keep your cash flowing while paying the mortgage via traditional means if you shift other spending.
To achieve this, you just need to offset other purchases. This can be achieved by pushing those other expenses to a 0% APR credit card.
Many of these credit cards offer interest-free financing for anywhere from 12 to 18 months at the moment.
This buys you time and allows those other expenses, which are totally allowed (and expected) to be paid with a credit card, to funnel to your 0% APR card.
For example, say you’ve got a $2,500 monthly mortgage payment and another $2,000 in monthly expenses.
We’ll call it gas, groceries, utilities, and other necessities, along with some discretionary purchases, such as eating out or going to the movies.
Instead of putting all those charges on your regular credit cards, which must be paid in full each month to avoid interest, you can redirect them to a 0% APR card.
This frees up that cash for more important things, such as the mortgage.
Yes, you’re still paying the same amount each month, but you’re not dealing with any extra fees for using a third-party payment processing company like Plastiq, which can be nearly 3%.
On a $2,500 mortgage payment, we’re talking $75. Ouch!
And you just need to make the minimum payment each month on the 0% APR credit, which frees up money for the mortgage.
Even Better, Earn Interest on Your Money with Some Basic Arbitrage
Many years ago, pre-Great Recession, interest rates on savings accounts were in the 5% range.
This allowed savers to earn a decent return on any money in a high-yield savings account.
Then as you probably know, savings rates went to near-zero as mortgage rates hit record lows.
This is the double-edged sword of low interest rates. It’s great if you have a low fixed-rate mortgage, but you don’t earn anything in the bank for parking your money.
With 8% mortgage rates now a thing, and the 10-year bond yield close to 5%, banks are back to offering decent savings rates.
For example, Discover is currently offering 4.30%, as is Capital One. And Ally Bank is offering 4.25%, while Marcus has an even higher 4.40%.
This means you can park your money again and earn a decent yield, whether it’s 4% or perhaps as high as 5%.
So those who put their regular spending on a 0% card can keep more of their money in a high-yield savings account since only a small minimum payment is due each month.
That allows it to grow while everyday purchases accrue zero interest or finance charges during the promotional period.
Just take note of how long the 0% APR is offered. Once it comes to an end, you need to pay off the entire balance in full to avoid any interest.
Someone who is aggressive could put most spending on plastic (other than the mortgage) and keep as much as possible in the bank account earning 4-5%.
It’s Not Wise to Pay a Fee to Pay Your Mortgage
At the end of the day, it’s a pretty raw deal to have to pay money to make a mortgage payment.
Or to have pay a fee for any payment for that matter. The Consumer Financial Protection Bureau (CFPB) refers to this as a “pay-to-pay fee.” And often it’s not even legal to charge such fees.
This is why you should avoid paying your mortgage by phone or even using a debit card to pay the mortgage, as it can sometimes be accompanied by a fee as well.
Of course, I assume folks are in a crunch if there’s the need, other than the points and miles crowd who might want to put a big purchase on plastic to earn a bonus.
But there is perhaps a better way, as outlined above. Just be careful not to rack up debt thinking you’ve got more money than you actually do!
And remember that 0% APR period will come to an end, at which point the APR will likely greatly exceed that of a home loan. So it must be paid off.
Another issue with not paying your mortgage with a bank account is there could be a delay or a mix up.
You won’t want to miss a mortgage payment as a result of some third-party company. It can also get messy if your mortgage payment history is coming from different sources.
So it’s best to just pay the mortgage consistently from the same bank account to avoid any costs or unexpected surprises.
Inside: Are you considering opening multiple Roth IRA accounts? You need to know if you can have multiple Roth IRAs. Here is what you need to know before making the decision.
While managing multiple Roth IRAs can create confusion, especially with tracking contributions across different custodians and potentially violating the five-year rule, I have found a method to use them to my benefit.
By having multiple Roth IRAs, I am able to diversify my investments as each Roth IRA account has a specific purpose.
However, you must know the rules about having multiple IRAs.
For the average investor, having multiple Roth IRAs may seem like a potential strategy to diversify your investments and attain financial independence, but it often leads to more confusion than benefit. Therefore, simplifying your finances by having a single Roth IRA might be a more feasible approach to reaching financial independence.
However, readers at Money Bliss know there is always a reason if I am strategic about why I do something.
So, let’s go through everything you need to know about having multiple Roth IRAs and if it is worth it for you.
What is a Roth IRA?
A Roth IRA stands as a type of retirement account with distinct tax benefits. The Internal Revenue Service (IRS) manages specific rules on who can open a Roth IRA, along with the contribution limits and withdrawal policies. 1
When your contributions in this retirement account and their interest earnings grow, they do so tax-free. 2
“Roth IRAs give you the flexibility to increase retirement savings tax-free. Thus, helping you to reach financial independence quicker.”
Kristy @ Money Bliss
Can You Have Multiple Roth IRAs?
Absolutely! You can certainly have more than one Roth IRA.
Different from some other types of retirement accounts, no restrictions apply to how many Roth IRAs you can manage.
From the IRS perspective, regardless of how many different IRA custodians you choose to utilize, your contributions are treated as one Roth IRA. You must still follow the guidelines on contribution amounts on your Roth IRA and traditional IRA. 3
This could potentially lead to tracking or contribution errors, or even unintentional violations of the Roth IRA’s 5-year rule, which can result in penalties. Furthermore, managing multiple accounts can also lead to an accidental overweighting of one investment strategy due to faulty fund allocation.
Why would a person want more than one Roth IRAs?
Several reasons could motivate an individual to manage multiple Roth IRAs:
Saving for various objectives. Investors might manage different IRAs for distinct purposes—one for retirement income, another as a cushion for emergencies.
Diversification of investment portfolio. Multiple Roth IRAs facilitate varied levels of risk adoption across different types of investments.
Raising insurance protection. With multiple Roth IRAs spread across separate institutions, each account can avail of $250,000 FDIC insurance protection. 4
Simplifying inheritance. Dealing with inheritance matters gets easier upon having distinct Roth IRAs, as assets can be split and handed down according to wishes.
Personally, I choose to have multiple Roth IRAs because I actively trade options contracts in one while the other is for long-term holdings.
Is it smart to have multiple Roth IRAs?
This is a highly personal decision as it depends on individuals and their unique circumstances.
Multiple Roth IRAs can offer remarkable benefits. However, keep in mind that more accounts may mean more fees and added complexity when managing your retirement savings.
You must consider your financial goals, risk tolerance, and time horizon is crucial before opting for multiple IRAs.
Many people end up with multiple IRAs when they decide to rollover a 401k from a previous employer.
Benefits of Opening Multiple Roth IRAs
You will have to decide if these benefits of multiple Roth IRAs are worth it for you:
Diversified investments. By having multiple accounts, it allows you to vary your investment strategy by account.
Conversion Flexibility. Managing the tax implications of converting traditional IRAs or employer-linked retirement accounts to Roth IRAs gets easier.
Varying Savings Objectives. Different Roth IRAs can be maintained for different purposes such as retirement income, house maintenance or rainy day funds.
Elevated Insurance Protection. If one Roth IRA is reaching the FDIC insurance limit, a second account with a different institution ensures additional protection.4
Drawbacks of multiple Roth IRA accounts
While having multiple Roth IRAs has broader benefits, it comes with some shortcomings:
Complex Management. Managing several Roth IRAs requires frequent monitoring and coordination.
Increased fees. Many IRA accounts come with fees. Even low fees across multiple accounts can add up.
Unequal Investment Allocation. Spreading investments across multiple IRAs makes monitoring performance difficult.
More Paperwork. More accounts mean more paperwork, which could be time-consuming.
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Unfolding the Complexities of Multiple Roth IRAs
With multiple Roth IRAs, complexities unfold around the management and tracking of these accounts. The investments need to be monitored on a regular basis to maintain strategic alignment with retirement goals.
It’s necessary to regularly check for fees and investment performance.
Balancing the portfolio of multiple IRAs plays a vital role, as the percentage of each investment differs between accounts. This could make it challenging to form a streamlined portfolio until you have sufficient experience.
Nevertheless, this is an easier question to answer than is now a good time to buy stocks.
Understanding the rules with multiple Roth IRAs
Understanding the regulations with multiple Roth Individual Retirement Accounts (IRAs) is essential when planning for a stable retirement.
With a comprehensive overview of the laws governing multiple Roth IRAs, one can strategically leverage these tax-advantaged accounts for optimal retirement savings.
No more confusion or lack of knowledge on how many Roth IRAs they can legally own, this section provides clarifications on these essential rules.
Does having multiple Roth IRAs mean you can contribute more total money each year?
The short answer is no.
Regardless of how many Roth IRAs you have, your total annual contributions combining all accounts can’t surpass the IRS-placed limits.
For 2023, the limit stands at $6,500 if you’re under 50 or $7,500 if you’re 50 or older. 3
In 2024, the limit stands at $7000 if you’re under 50 or $8000 if you’re 50 or older. 3
Can I contribute to a Roth IRA and a Traditional IRA?
Yes, you can contribute to both a Roth IRA and a Traditional IRA.
However, the total contribution to all your IRAs cannot exceed the annual limits set by the IRS. 3
For instance, in 2023, the total contribution limit is $6,500 for individuals under 50, and $7,500 for those who are 50 or older.
You don’t want to be taxed on excess IRA contributions.
Tips for managing multiple IRAs
Managing multiple IRAs comes with its own set of challenges. But, with the right approach, you can reap substantial benefits:
Organize Your Investments. Keep your IRAs clearly labeled for distinct goals—a critical step.
List Your Beneficiaries Properly: You must list your beneficiaries on each Roth IRA account.
Consolidate Accounts. If you find managing many accounts overwhelming, think about consolidating them at one institution.
Regular Review. Evaluate your portfolio time and again to see if adjustments are needed.
Monitor Fees. Fee accumulation can hollow out your retirement savings. Keep a close watch on them.
Use Software to Help You. My personal favorite is Quicken Classic
For many people, they learn how to invest 10k the first time using their Roth accounts.
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FAQs About Having Multiple Roth IRAs
For 2023, the total combined contribution limit for all of your Roth IRAs stands at $6,500, or if you are 50 or older, it is $7,500 thanks to an extra ‘catch-up’ contribution.
This limit applies to the total contribution made across all of your Roth IRAs and traditional IRAs.3
The IRS does not impose a limit on the number of IRAs an individual can own. You are free to open as many IRAs—Roth or traditional—as you want to suit your retirement savings strategy.
Remember, however, that total annual contributions across all your IRAs must stay within the defined limit. [Quote from IRS documentation stating there’s no limit on the number of IRAs]
No, unfortunately, you can’t.
The yearly limit of $7,000 (or $8,000, if you’re 50 or older) applies to the total amount you contribute across all of your Roth and traditional IRAs, not each individual account for 2024. 3
Yes, you can. The IRS doesn’t set a cap on the number of Roth IRA conversions you can execute.
So, you can certainly convert multiple traditional IRAs into just one Roth IRA.
Take note that you’re likely to owe income tax on the entire amount converted in the conversion year.
Learn more about converting a traditional IRA to a Roth IRA because this decision will affect your taxes.
From my experience, there are times when it is wise to convert and I did. Then, there were others that converting the account did not make financial sense. So, make sure you figure out the best-case scenario for you.
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Now, How Many Roth IRAs Can I Open?
In conclusion, it is not only possible but also potentially advantageous to hold multiple Roth IRA accounts.
By diversifying your retirement savings across various Roth IRAs, you can expose your money to different asset classes and investment opportunities not all available in one account.
Learn how to invest in stocks for beginners.
Nevertheless, the decision to open multiple Roth IRAs must be driven by your personal financial circumstances, retirement objectives, risk tolerance, and expected time horizon. If the decision aligns with your financial blueprint and retirement strategy, opening multiple Roth IRAs today could be a smart move.
Given the unique tax advantages Roth IRAs offer – tax-free withdrawals during retirement – this could ensure a financially secure and tax-efficient retirement.
Honestly, I think choosing the right brokerage is harder for most people.
As always, consider seeking guidance from a trusted financial advisor to help navigate these decisions and ensure your retirement planning is optimally structured for your financial needs and goals.
Remember, the key to successful retirement planning lies in understanding all associated rules, benefits, and potential drawbacks.
Sources
Internal Revenue Service. “Types of Retirement Plans.” https://www.irs.gov/retirement-plans/plan-sponsor/types-of-retirement-plans. Accessed October 10, 2023.
Internal Revenue Service. “Roth IRAs.” https://www.irs.gov/retirement-plans/roth-iras. Accessed October 10, 2023.
Internal Revenue Service. “Retirement Topics – IRA Contribution Limits.” https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits. Accessed October 10, 2023.
FDIC. “Your Insured Deposits.” https://www.fdic.gov/resources/deposit-insurance/brochures/insured-deposits/. Accessed October 10, 2023.
Internal Revenue Service. “Retirement Topics – IRA Contribution Limits.” https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits. Accessed October 10, 2023.
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Do you want to sell printables online and make extra money? If so, you may be interested in learning about one of the most popular printables courses out there – Gold City Ventures E-Printables course. In this Gold City Ventures Review, I will help you learn everything that you can about this course so that…
Do you want to sell printables online and make extra money? If so, you may be interested in learning about one of the most popular printables courses out there – Gold City Ventures E-Printables course.
In this Gold City Ventures Review, I will help you learn everything that you can about this course so that you can decide if you should take it or not.
Gold City Ventures E-Printables course is one of the best printables courses out there, and it has a lot of positive reviews. But, is it for you? Continue reading to learn more!
Please click here if you want to sign up for the E-Printables course.
Key Takeaways
Selling printables on Etsy can be a great side hustle because you just need to create them once, and you can sell them an unlimited amount of times.
Gold City Ventures E-Printables course will teach you how to create, market, and sell digital files on Etsy for passive income.
This course is for you if you’re looking for a fun and profitable side hustle selling printables online.
You don’t need previous graphic design skills or to be tech-savvy in order to start this side hustle – this course is great for beginners.
You can sell printables on other sites too with what you learn from this course, such as at Teachers Pay Teachers.
There is a free workshop: Earn Money Selling Printables.
The Gold City Ventures course cost is $247.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
Gold City Ventures E-Printables Course Review
What are e-printables?
E-printables are a type of digital product that you can create and sell online. They are design files that customers can purchase and then print at home or use digitally.
You’ve probably used a printable before and so have many others. The printable business is very popular right now, and many people use printables every single day.
You can make printables for all sorts of things, like holidays (such as Valentine’s Day, Halloween, and Christmas), baby showers, bachelorette parties, birthday celebrations, greeting cards, a habit tracker, calendars, educational resources, grocery shopping, a meal planner, digital planners, party invitations, jar labels, gifts, and more.
Once you decide what to sell (which this course will definitely help you do), and after you’ve finished designing them (which the course will also help you do), you can sell them on platforms like Etsy or your own website. When someone makes a purchase, you earn money without having to physically make or ship anything.
If you want to learn how to make and sell e-printables, courses like the Gold City Ventures E-Printables course can teach you step-by-step. They’ll show you important skills like designing, marketing, and selling online so you can have a successful e-printables business.
Recommended reading: How I Make Money Selling Printables On Etsy
Why sell printables on Etsy?
Selling printables on Etsy is a popular way for people like you to earn money with minimal effort. Once you create and list your designs, you can keep earning from repeat sales without doing more work.
This means that this can be a great way to make passive income. If you make a popular printable and set up your shop to be easily found in searches, it can keep making sales over time without needing a lot of extra work.
This means that you can choose when to work and can do it from anywhere with internet access. This can be especially great for people who want a part-time job or to work from their own homes.
Plus, making and selling printables doesn’t have actual materials for you to buy or the need to spend money on shipping. This leads to earning more money compared to selling physical items as you’ll have low expenses.
Etsy also has a big audience, which makes it a great place to sell your printables.
What is Gold City Ventures?
Gold City Ventures could be exactly what you need to learn how to generate passive income. If you’ve ever thought about selling printables on Etsy, then the Gold City Ventures E-Printables course can help you turn this into a fun way to make extra money from home.
Gold City Ventures is a website that sells a full training course that teaches you how to earn money by selling printables online.
Cody Berman and Julie Berninger, the founders, created this course to help others learn from their own successful experiences in running Etsy shops and making money online.
Julie makes over $1,000 per month in her Etsy shop, The Swag Elephant, and Cody was hooked on printables since earning over $700 in passive income in one week while on a ski vacation.
Some of the success stories from people who have taken this course:
Sasha H. is an accounting professional and mother of two who sells budgeting printables to help families reach their money goals. Ever since taking the course, she has made over 10,000 sales in her printables store.
Jen G. took the course in 2019 and since then has made over 7,200 sales with her online shop.
What’s in Gold City Ventures?
Below, I will be talking about what is in the E-Printables course.
What’s included in the Gold City Ventures E-Printables course?
The E-Printables course by Gold City Ventures is designed to teach you everything you need to create and sell digital products on Etsy.
This course comes with step-by-step instructions on how to make money selling printables, from brainstorming what to sell all the way to listing your printable on Etsy. This course will teach you what to do, even if you are brand new. The course also comes with free templates which will reduce the amount of time you spend creating printables, as they give you over 30 done-for-you templates for Canva that you can just make small edits to and then list in your shop quickly.
Even if you are brand new to graphic design, this course will teach you everything that you need to know.
The modules included in the Gold City Ventures E-Printables side hustle course are:
Module 1: Getting Started –This module is an introduction to the course and gives you an overview of what you will learn.
Module 2: What Should You Sell? – These lessons will give you background information on what exactly a printable is, over 50 printable ideas, and more.
Module 3: Getting Started Making Printables – These lessons will teach you how to start making printables and includes finding fonts and pictures and a seller handbook.
Module 4: Canva Overview – This module gives you an overview of Canva, which is a graphic design tool that you will use to make printables.
Module 5: How To Make Printables With Canva – You will learn how to create a design in Canva in this module, as the module name suggests. You will learn how to use their Canva templates, how to make thank you cards, gift tags, coupons, and more.
Module 6: How To Make Canva Templates –This module will teach you how to make templates that you can sell.
Module 7: Creating Editable Printables With Corjl – These lessons will teach you how to use a different graphic design tool to create editable printables that you can sell.
Module 8: Packaging Your Printable –This module will teach you how to package your printables for sale as well as best practices.
Module 9: Making Listing Images –These lessons will show you how to make listing images, such as what a person sees when they search on Etsy for a product. This will be the image that entices them to click on your printable listing.
Module 10: Listing Your Product – These lessons teach you how to start your shop, how to list your product, how to decide what to sell a printable at, and more.
Module 11: Keyword Research Tools –This module will help you create better searchable listings for your products, such as how to do keyword research and all about Etsy SEO.
Module 12: Marketing And Advertising –These lessons go over coupons and sales, how to promote your printables on Pinterest, and more.
Module 13: Optimizing Your Shop – This module teaches you how to improve your sales, find a niche, and see success.
Module 14: Etsy Sellers App –This module goes over the Etsy Sellers App, how to monitor orders, and how to talk with customers.
As you can see, there are many helpful modules and lessons included in this course.
On top of all of that, you will also learn their seasonal product strategy. One of the reasons why students in this course make sales so quickly is because they follow their seasonal product strategy. They fully outline their seasonal trends strategy including all of the tools and resources you need. Some students have even made sales on their first day in the course with their Etsy printables business.
How much is the Gold City Ventures course?
The Gold City Ventures E-Printables course costs $247.
There are free resources that can help you get started, too, such as the free workshop: Earn Money Selling Printables. This free workshop will teach you how to get started selling printables. You will learn different ideas for printables to sell, how to get started on Etsy, and how to actually make sales.
Also, you can sign up for this free ebook that helps you figure out where to start when it comes to selling printables on Etsy. This can be a great way to get started and learn how to sell digital downloads on Etsy.
Who is the Gold City Ventures course for?
The Gold City Ventures course is for people who want to make money selling printables. It doesn’t matter if you’re new to digital design or already sell on Etsy. This course gives you helpful tips to do well in the e-printables market.
This course is for you if:
You want a fun and money-making side job by selling printable items on the internet.
You’re a creative person looking for a way to create passive income.
You want to make a few hundred (or thousand) extra dollars each month.
You want to work from home.
Pros and Cons of Gold City Ventures E-Printables Side Hustle Course:
Pros:
This course covers everything you need to know about making and selling printables.
The course was created by experienced Etsy sellers Julie Berninger (from the popular blog Millennial Boss) and Cody Berman (a well-known financial independence retire-early expert). There are also very helpful successful printables experts who are in their support group answering questions.
Helps jump-start your Etsy shop with actionable steps (there’s no fluff in this course – they teach you step-by-step).
You can possibly earn over $1,000 per month selling printables after taking a printables course.
There really weren’t any cons that I found in the course. But, some things to know include:
You must be willing to invest time and effort to learn and apply the course material as there are a lot of modules and lessons.
The course does have a cost. It is relatively low, though, at $247.
VIP Membership perks
One of the best parts about the E-Printables course is the bonus you get.
When you buy the course, you get a free trial of their VIP Membership for 30 days, and it starts right after you make the purchase.
The VIP Membership comes with two important things: 1) Their special Facebook group for VIPs, and 2) The VIP Membership Vault.
In the VIP Facebook group:
They organize live Q&A sessions, strategy talks, and virtual chats.
They hold monthly sessions where you can get help with graphic design to make your printables look even better.
You have daily access to three experienced experts in their paid group, each with a track record of thousands of printables sales on Etsy.
They will answer all your questions and respond to your requests for feedback on your shop.
And more.
The VIP Membership Vault comes with:
100+ bonus videos including guest interviews, technical training, and advanced strategies
5 brand new template packs you’ll receive every month that you can use for free in your business
Behind the scenes with 6- and 7-figure printables sellers
Even if you don’t have Facebook, you can still access this. Their live events are shared afterwards to the VIP Vault, and you can watch the video replay.
If you decide to continue with the VIP Membership after the initial 30 days, there will be a monthly charge of $29 until you reach 100 sales. They celebrate their “100 Sales Club” members at Gold City Ventures, and you’ll get a special prize sent to you by mail, along with a complimentary VIP Membership.
Note: You are not required to have the VIP Membership, and you can cancel it whenever you want. You’ll always have access to the E-Printables course itself, no matter what.
Refund policy
There is a 7-day refund policy as long as you don’t go past Module 1. If the course isn’t for you, they will give you a full refund, but you will want to make sure that you stay within this limit.
Gold City Ventures reviews and success stories
As you learn more about Gold City Ventures, you’ll see that lots of people have done well with their E-Printables course. This course shows you step-by-step how to make and start your own printable business. It can be a great way to make extra money on the side or even as a full-time job if you’re willing to work hard.
Many students have talked about how much they liked the course. They’ve gone from making their first printable on Etsy to earning a steady income from their online store. There are lots of success stories. People think the course materials are well-organized, easy to use, and packed with helpful advice and techniques.
Some of the things about the E-Printables course that students like include:
The course material covers everything, from creating printables to promoting your products.
There’s a kind and helpful community of fellow learners and teachers.
You get useful tools and resources to improve your Etsy listings and increase your sales.
You have a chance to make passive income with what they teach you.
A lot of people have discovered that investing in the Gold City Ventures E-Printables course is a great step in their printables business journey. Remember to think about your own goals and situation when looking at the success stories and reviews. This will help you decide if this course is the right choice for you.
You can read all of the success stories here to see what real people think of the course.
Frequently Asked Questions About Gold City Venture’s E-Printables Course
Below are answers to common questions about this course.
Do printables sell well on Etsy?
Yes, printables can sell well on Etsy. People search on Etsy all the time for printables, and I have done it as well. There is a lot of demand for creative and helpful printables on Etsy.
How much do people make selling printables on Etsy?
There is not an average that people make by selling printables on Etsy. This is because there are so many factors, such as what a person is selling, how many printable designs they have created, what they are doing to market their printables, and more.
Some sellers may make a few hundred dollars per month, while others could earn thousands. It’s important to remember that building a successful Etsy shop takes time and hard work.
How much does the Gold City Ventures course cost?
The E-Printables course costs $247.
How can I access the free workshop?
Free Training Workshop: Earn Money Selling Printables. This free workshop will teach you how to get started selling printables. You will learn different ideas for printables to sell, how to get started on Etsy, and how to actually make sales.
How long does it take to complete the course?
The Gold City Ventures E-Printables course is a self-paced program, so it might take a few days or weeks to complete the course, depending on your learning pace and available time. The average is around one month to complete the course.
What is the best printables course?
The best printables course depends on your individual needs and learning preferences. Gold City Ventures is one option that has received positive reviews and focuses on creating passive income through Etsy. This is the printables course that I highly recommend, as it is well-rounded and teaches you everything that you need to know right from the very beginning!
Is Gold City Ventures worth it?
The worth of Gold City Ventures relies on what you want to achieve. If you’re interested in learning how to make money passively on Etsy with printables, this program could be a good investment. It teaches both design and marketing strategies that have helped many people succeed.
Gold City Ventures Review: E-Printables Course Review
I hope you enjoyed this Gold City Ventures Review.
The Gold City Ventures E-Printables course will teach you how to make printables, even if you have no experience. This can help you to make extra money, even over $1,000 per month, as well as passive income.
E-printables are digital files that customers can buy, download, and print themselves, either at home or at a print shop. This market has seen a big increase in popularity in recent years as more people look for affordable and customizable options for things like home decorations, planners, and party supplies.
Gold City Ventures shows you how to make, promote, and sell your own printables on Etsy, taking advantage of this growing market and potentially earning you passive income.
Gold City Ventures might not be a perfect fit for everyone, but if you’re motivated, creative, and willing to put in effort, it could help you to make money from home. The course has detailed video tutorials and useful lessons designed to help you get into e-printables and selling on Etsy, even if you’re just beginning. Plus, hearing success stories and feedback from those who have completed the course can give you a lot of inspiration and ideas for your own entrepreneurial journey.
Please click here to learn more about the E-Printables course.
American Express has made major changes to the Hilton Surpass and Hilton Aspire cards.
Annual fee increases will go into effect on 2/14/24 for existing cardholders
Increased sign up bonuses good through 1/17/24
New benefits now live for new & existing cardholders
American Express Hilton Surpass
Annual fee increase from $95 to $150
Sign up bonus of 170,000 points after $3,000 in spend within the first three months
Up to $200 back in statement credits annually for eligible Hilton purchases made with your Hilton Honors American Express Surpass® Card directly at participating Hilton properties (up to $50 in statement credits each quarter)
4X Hilton Honors Bonus Points on U.S online retail purchases
Free national Car Rental® Emerald Club Executive® status
10 free priority passes per year benefit is being removed (Effective February 1, 2024, the Hilton Honors American Express Surpass® Card will no longer offer a complimentary membership to the Priority Pass™ Select program. Through January 31, 2024, you may still enroll in the benefit by calling the American Express customer service number on the back of your card. If you enrolled in the Priority Pass Select program on or before January 31, 2023, your Priority Pass membership will continue through January 31, 2024 and will be cancelled as of February 1, 2024. If you enrolled in the Priority Pass Select program between February 1, 2023 and January 31, 2024, your membership will continue through October 31, 2024 and will be cancelled as of November 1, 2024. Any unused lounge visits will be forfeited at the time of cancellation.)
American Express Hilton Aspire
Annual fee increase from $450 to $550
Sign up bonus of 180,000 points after $6,000 in spend within the first six months
Free national Car Rental® Emerald Club Executive® status
Up to $400 in statement credits annually for eligible purchases made with your Hilton Honors Aspire Card directly at participating Hilton Resorts (up to $200 in statement credits semi-annually)
Up to $200 in statement credits annually on eligible flight purchases (up to $50 in statement credits each quarter) made on your Hilton Honors Aspire Card
$189 in statement credits per calendar year after you sign up and pay for a CLEAR Plus membership (subject to auto-renewal) with your Hilton Honors Aspire Card
One Free Night Reward after you spend $30,000 in purchases on your Card in a calendar year
Cell phone protection: You can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month’s wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period
The following benefits will be removed:
Priority pass membership (1/31/24)
$250 airline free credit (12/31/23)
$250 statement credit for Hilton resorts (12/31/23)
Our Verdict
American Express seems intent on increasing the annual fee across all cards and introducing statement credits that can be difficult to use. Frustrating for some to lose priority pass access as well. Surpass has offered 130,000 points + free night certificate in the past, bonus on the Aspire is the best we have seen (I think).
Overall I see these as negative changes as quarterly credits are very annoying to use. It should be possible to purchase a $50 Hilton gift card at reception and it trigger the credit (for the Surpass), but that still involves going into a hotel and hoping they actually sell the gift cards.
Inside: Do you want to know the legit ways on how to make 200 dollars fast? This guide will show you how to start working on fast money ideas. With tips on side hustles, online trading, and more, you’ll be able to build up a healthy bank account in no time.
Do you want to know the different ways to make 200 dollars in your leisure time? I bet you do! We all would like extra money in our pockets.
In an era of digitization, earning an extra $200 in your spare time has become more accessible.
Various online platforms offer numerous possibilities to gain this amount swiftly without any major investments or specialized skills. Utilizing these platforms can not only help you reach your financial goal but also provide you with an enjoyable experience.
Let’s delve into the uncomplicated and quick ways to make 200 dollars fast.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
Best Ways to Make Money 200 Dollars Fast
Discover the best ways to earn 200 dollars quickly by enlisting and acquiring the necessary skills.
You don’t even need to start a business or learn new skills virtually if you need the following legit ways to make $200 fast.
Just to note, you will find many of these ideas to be similar to how to make 300 dollars fast.
1. Sell Things You No Longer Need
Want to declutter and make some quick cash, to the tune of 200 dollars?
Start selling your no-longer-needed items and hit your goal. This method perfectly fits for minimalists looking to clear out space, or parents whose kids frequently outgrow their clothes and toys.
For instance, selling gently used toys or clothes could net you $200 in no time. Who knew making money could be as easy as cleaning up?
Even better turn this into a money-making business by flipping items for a living.
2. Sell gift cards
Struggling to add cash to your wallet? Turn those neglected gift cards lounging in your drawers into quick money.
Convert idle (Gift Cards) money to tangible cash by listing and selling on sites like CardCash at a discounted rate.
Another option is to trade your gift cards (you won’t use them) into something you want (like Apple or Amazon). So, weigh your options wisely.
In fact, you can read my CardCash review on my personal experience trading in gift cards.
3. Take on freelance jobs
Let’s start harnessing our skills and take on freelancing jobs online. Freelancing offers a flexible and income-generating platform, perfect for anyone looking to make a quick buck.
It is an effective income hustle, proven by data-driven facts. Best yet, it’s not exclusive to professionals alone. As a beginner, freelance gigs can offer an excellent starting point.
To get started, build a solid profile on a freelance platform that best suits your skills. Offer your virtual skills by getting jobs done in freelancing and experience good compensation for your comfort zone through this job.
4. Get Paid to Travel by Housesitting
Immerse yourself in a world of four-legged friends, greenery, and cozy, well-furnished homes while your wallet gets a welcomed cash addition.
Housesitting is not just about watching homes; it includes pet sitting and dog walking. All you need to do is join such platforms at no cost, set your rates and hours, and voila, you’re earning money while sleeping.
Essentially make money in your leisure time while enjoying the companionship of adorable pets. Who knew earning extra money could indeed entail wagging tails and furry hugs by signing up with Trusted Housesitters?
5. Rent Out Your Spare Space
Do you have spare space gathering dust? Turn it into a $200 goldmine!
Rent your unused closet, driveway, or extra room and have a quick injection of cash. Websites like Neighbor and VRBO are ideal platforms where you can list and rent out these spaces.
Start by exploring the listings in your area, identify the market range, and list your space accordingly. The extra income is just a few clicks away.
Best suited for property owners with underutilized spaces, this idea can serve as a consistent source of income and isn’t just a one-time fix.
6. Participate in Focus Groups
Get ready to voice your opinion and earn 200 dollars instantly!
Focus groups can be your golden ticket to making a quick $200. From my personal experience, they are organized discussions run by companies eager to pay for consumer insights.
Follow these steps and you could be cashing in:
Start by signing up and participating in a focus group that typically involves finding a suitable event in your area.
Involve yourself with popular websites like Bestmark.
Once you start searching for focus groups, you are likely to be targeted with sponsored ads on Facebook that match up to your opportunities.
By participating in discussions, I have earned a range from $50 to over $200.
7. Babysitting is Great Money
Looking for a quick way to pad your wallet? Babysitting is the golden ticket.
This gig is ideal for teenagers, college students, or anyone with some free evenings or weekends who enjoys hanging out with kids and can tolerate the occasional tantrum.
Start marketing your talent by creating a profile on care portals like Sittercity. Having a certificate in CPR can increase your profile and give assurance to the parent looking for a babysitter.
Remember to start with your personal network. Friends, family, and neighbors are a great way to kickstart your babysitting journey. With a bit of effort, you could be earning in less than 24 hours.
8. Make Videos
Are you passionate about making your own video or editing someone’s video to earn an incredible 200-dollar quickly? Jumpstart your day by hitting each click on your computer and adding sound effects on various kinds of videos on any social media.
You can also monetize your own videos by becoming a YouTube vlogger content creator and signing up for the YouTube Partner Program.
With an incredible shift to a remote life, you can now instantly earn from making your own videos through ad sponsorship, brand affiliation, and paid subscription on any application.
9. Get a Side Hustle
Engage yourself in a side gig, a savvy way to rake in cash promptly. Side hustles harmonize best with go-getters seeking financial flexibility or pursuing dreams outside the 9-to-5 grind.
Kickstart your hustle journey with free webinars or training. These platforms provide insights into key strategies and the nitty-gritty of the field.
Get cracking now to transform your monetizing dreams into reality!
Very popular are these side hustles for men. Or especially these side hustles for college students!
10. Online trading with Stocks and Options
Trading stocks and options emerge as a financial adrenaline rush, providing a swift track to earning money. You can convert spare moments into potential cash gains with just a few clicks.
Expert tips include starting with research, practicing with a simulation trading account, and diversifying your portfolio to mitigate risks.
The journey to online trading success begins with educating yourself. You must participate in a free investing webinar to undergo training to grasp trading basics, understand market trends, and form your strategy.
Check out how I learned to trade stocks and options with this Trade and Travel review.
Trade & Travel
Learn to trade stocks with confidence.
Whether you want to:
Retire in peace without financial anxiety
Pay your bills without taking on a side hustle
Quit your 9-5 and do what you love
Or just make more than your current income….
Making $1,000 every.single.day is NOT a pie-in-the-sky goal.
It’s been done over and over again, and the 30,000 students that Teri has helped to be financially independent and fulfill their financial dreams are my witnesses…
11. Take Up a Part-Time Job
Eager to fill your pockets a bit more, huh? Part-time jobs are your key to fast cash without compromising your ‘me-time’.
A part-time job supplements your primary income, leaving your piggy bank a bit heavier. Where you get to choose the timing that fits around your primary commitments.
Honestly, some of the best part-time jobs are actually low-stress jobs after retirement. You don’t need to wait for extra money. So, go get that financial freedom and earn more than just the minimum.
12. Yard Sale
Hosting a yard sale is a nonchalant trick to amass cash swiftly. It’s your winning lottery ticket staring at you from your cluttered garage floor.
Kick-off by hosting it on Friday or Saturday, when shopping spirits fly high! If your neighborhood or city has a date set for a community garage sale or jackpot, you’ll be swimming in extra traffic.
Don’t hesitate to unleash your inner salesperson, but remember, no rule binds you to wait for an event to rake in cash.
Remember, yard sales are your fast lane to quick money, and with these tips, you’re ready to speed!
13. Make Money with Your Collectibles
Turn your old favorite collection of Pokemon cards or Beanie Babies into a treasure chest waiting to be unlocked.
This money-making method is perfect for those who have carefully amassed certain collectibles over time. Sign up for eBay now and enlist your collectibles, antiques, and merch items to earn from it.
Want to kickstart your financial journey with collectibles? Find the most popular items to flip as well as insights on what to look for.
14. Collect and sell items from the trash
It’s time to transform your everyday trash into a hefty stash of cash! Collecting recyclable trash can be turned into a worthwhile moneymaker.
Start by saving cans, bottles, or scrap metal that you’d usually throw away. Then, locate a local recycling center that’s willing to pay for these items – the prices may surprise you!
This method is great for anyone willing to invest a little time and energy, particularly those who are environmentally conscious and eager to declutter. Perfect job for those who are frugal green.
Think about it, that old toaster might just be your next treasure trove! You may even find some highly valuable items in the trash to flip!
15. Sell Used Clothing
Selling used clothing is a clever and straightforward way to turn spare time into real cash.
Remember, a vibrant description for your clothes will attract buyers, so play up any unique or high-quality aspects of your garments.
Fashion enthusiasts want to earn a quick buck on the side. Begin by taking a charming picture of your clothes and posting it to Facebook Marketplace and ThredUp.
16. Do Social Media Marketing
Welcome to the era of making money by simply being social media savvy. Transform your digital skills into quick cash through Social Media Marketing.
Explore the digital world that awaits with all of the social media platforms. You can create engaging content while responding to the readers.
Take your skills to the next level, consider enriching your knowledge via a free webinar or online training.
This is an easy job that pays more than $25 an hour.
17. Sell Printables on Etsy
Do you love making creative paintings and printable designs? Imagine, your beautifully designed chore chart or a fascinating word puzzle bringing joy to scores of customers.
You can dive into this free training to jumpstart your side hustle. This method is a sure-shot hit for you.
Find out which digital products to sell on Etsy.
18. Invest in Cryptocurrencies
Do you have extra money in savings in your account and don’t know where to invest it?
Since 2008, cryptocurrency has taken the world by storm. Known for its decentralizing nature and secured by cryptography, it’s no regular dough.
Turn the tides in your favor and download an investment app to make your $200 grow faster. Consider taking a free webinar or training for a crash course.
You see, investing in cryptocurrencies is not a heavy-duty task. With the right smarts and patience, you can ride the next crypto wave!
19. Get Paid to Click
Among the numerous ways to earn an extra $200, getting paid to click is a simple and fun method.
Websites provide users with the opportunity to earn money through ‘pay to click’ surveys or rewarding viewers for ad consumption. Additionally, apps such as Survey Junkie and Swagbucks allow you to earn money by taking surveys, participating in focus groups, or simply navigating the web.
Each user generally earns from a few cents to a dollar per click. With patience and consistent effort, you can gradually accumulate your earnings to reach your $200 target.
Here are the top legit survey platforms:
20. Check Out Cashback Apps
Earn a cashback every time you shop at your favorite retail store or online.
Start off by signing up for apps like Dosh, Fetch, Rakuten, and Ibotta which offer bonuses just for signing up.
Lastly, apps like Acorns or CoinOut provide cash back on everyday shopping, even rounding up your purchases to add a bit more to your savings.
21. Do Odd Jobs as a TaskRabbit
Wanna earn cash quickly? Sign up and do freelance labor with TaskRabbit.
This user-friendly job marketplace connects people in need of task assistance with capable individuals willing to complete the tasks for a fee. It offers a diverse array of tasks, from assembling furniture and helping with moves to painting, yard work, and minor home repairs.
Just by performing various tasks, such as events staffing, running errands, or crafting. With the average TaskRabbit making double the minimum wage, this might be the gig for you.
TaskRabbit
Find local jobs that fit your skills and schedule.
With TaskRabbit, you have the freedom and support to be your own boss.
Plus set your own rates!
Get Started
22. Earn Money with Your Knowledge
Using your personal set of skills is a major advantage in freelancing platforms such as Fiverr, Upwork, and Freelancer.com.
Be it graphic design, content creation, SEO mastery, or even web development, you can monetize these proficiencies directly from your home. Data shows a significant growth in the gig economy over the past decade, suggesting a flourishing potential for remote work and online income generation.
Remember, your vast knowledge pool is your strength here. So, focus on what you’re best at, and let the money flow in.
Indeed, by effectively marketing your skills, pulling in a sum over $200 within a few hours is achievable. Remember to value your work appropriately and not devalue your aptitude just to land a job.
23. Tutoring
Online tutoring provides plenty of diverse opportunities in various subjects beyond just English. You can choose to specialize in specific topics and decide to tutor students of different age groups – from young children to college students.
Platforms like VIPKID and Magic Ears allow qualified tutors to offer virtual classes, specifically in the English curriculum for kids aged 4-12 years.
Tutors are usually compensated with payments ranging from $7 – $9 per class or up to $25 or more per hour. Also, you can increase your rate once you gain experience and build a reputation as a tutor. With in-person tutoring, you can expect to earn $20 an hour or more.
24. Petsitting
Looking for a quick way to make $200 fast? If you’re an animal lover, offering pet-sitting services isn’t just enjoyable, but also quite profitable.
Simply sign up with platforms like Rover, you can possibly get paid two days after service completion and you can always set your own rates. Just by walking the dog from house sitting.
Fun fact: Dog sitters often earn up to $50 a day. This is flexible and enjoyable work that could definitely help you reach your $200 target quicker than you’d imagine!
Rover
Get paid to play with pets!
Rover makes it easy and promotes you to the nation’s largest network of pet owners.
Earn money doing something you love.
Become a Sitter
25. Collect Scrap Metals and Junk
One man’s trash is indeed another man’s treasure.
Thinking of ways to earn quick cash? Consider collecting scrap metals and junk. This simple but profitable task can be done by anyone, with no particular set of skills necessary. All you need are keen eyes, a truck, and, admittedly, a little bit of strength to do the following:
Identify Metals: Start by identifying the most valuable metals – brass, copper, and aluminum.
Collect: Gather your metals, either from your home or by browsing local dumps. Remember, one man’s trash can be another man’s treasure.
Sell: Locate a local scrapyard and sell your haul at a fair price.
Keep in mind that patience is key; you might start with just $100 a day, but with experience, this can increase to a lucrative $500 a day!
26. Cash Out Your Coins
Are you sitting on a pile of coins? Maybe it’s time to cash them out. Here’s how:
Gather all your change together. Check under the sofa cushions, in car cup holders, and even in the bottom of your bag.
Take your coins to a coin-counting machine. These can be found at many grocery and department stores as well as your local bank.
Deposit these coins in a savings bank.
Expert Tip: Many banks provide free coin-counting services to their customers. Save on the counting machine charges by using these instead.
27. Run A Dropshipping Business
Dropshipping is a retail fulfillment method where you sell products without ever handling the inventory. This side hustle could potentially make you a quick $200 if executed strategically. Ready to dive in?
To level up, consider enrolling in free webinars on sites like Skillshare or free dropshipping training programs like Oberlo 101. This method is most suitable for those game to learn the ins and outs of online retail business and are ready to deal with customer interactions.
Remember, selling high-demand items will turn a quicker profit!
28. Do Micro Tasks
Looking to make cash fast? Turn your spare time into cash by capitalizing on microtask websites and get paid for completing simple jobs!
This method is particularly effective for those with meticulous attention to detail and those who can afford to spend some time on basic tasks such as data entry, data verification, information sorting, and transcription.
Microtasking might not be a golden goose, but it sure can help you accrue $200 surprisingly fast. The beauty of this hustle is in its simplicity, making easy money with minimal to no investment.
29. Find Sign-Up Bonuses
Did you know that many banks and credit companies offer sign-up bonuses as a strategy for attracting new clients?
For instance, some banking promotions in the United States can offer bonuses of up to $300 in total value when you sign up for a new account or credit card. Also, there are several credit cards that provide bonuses ranging from $500 to $800 or more, simply for registering and spending a defined amount within a specific timeframe.
Some cards, such as Chase Sapphire Preferred, offer lucrative rewards like a $1,000 bonus after a spend of $4,000 in the first 3 months.
It’s definitely rewarding to explore these possibilities to supplement your income, but it’s crucial to maintain a good credit score and commit to paying off your balance monthly to avoid any interest charges.
30. Cash Advances
Cash advances offer a rapid solution, but it’s essential to use them wisely.
Basically, a Cash advance is an advance on your next paycheck, and yes, it’s a viable way to get your hands on some quick cash. Also, some budget apps like Chime offer this service automatically.
Keep in mind, though, it’s an advance and not additional income. So, plan your expenses wisely and make it count!
FAQ
If you’re on a quest to make $200 as fast as possible, we’ve got your back. From selling items you own to completing quick gigs online, there is a plethora of opportunities out there for everyone.
For example, suppose you’re handy at a skill – be it haircuts, car repairs, pet sitting, or painting. You can start by offering your services to people in your neighborhood.
Or, if you’re the digital savvy type, consider selling items you no longer need on online platforms such as Facebook Marketplace or Craigslist. You’d be surprised at how quickly you can make money from items collecting dust in your home.
Ultimately, make sure you choose a fast money-making plan that aligns with your skills, interests, and resources. Go forth and rake in that cash.
If you need to make $200 today, you have a range of options at your disposal.
You can try different online strategies, including participating in online surveys, offering your skills on freelance platforms, or even reselling items online. While many people will sell the idea of a blog to make money, that is not a way to make money today.
Remember, the key is to zone in on tasks that require minimal effort but offer swift returns; these could include grandma sitting, dog walking, or even participating in online offers and promotions.
To kick-start your financial venture, locate valuable items in your home that you no longer need. Your dusty old guitar or that once-loved designer handbag could do the trick. Sell these items on widely used platforms such as Craigslist or Facebook Marketplace for instant cash.
Also, in the digital age, skills are an asset. Offering your skills on platforms like Fiverrcan turn your talents into quick cash. Don’t underestimate the power of quick gigs!
Tapping into the world of free sign-up bonuses can also fill your wallet quickly. Or even participating in a paid focus group!
If you need to make $200 quickly, there are several tried and tested methods. You could start by driving for Uber or Lyft for the evening during a concert.
My preferred method is trading options in the stock market. While this one is a skill, I developed over time. It has proved to be a tried and true method for me to make $200 in a few hours.
Time to Get 200 Dollars Instantly
By reading this article, you have learned and discovered the most effective ways to earn $200 quickly.
In order to have quick success, here are tips to help you out:
Sign up for a complimentary training or webinar that focuses on effective and proven methods of earning money swiftly.
Learning from other’s experiences can certainly save you some trial and error.
Ensure these training modules offer you practical skills and insights rather than just theory. Real-world applications of these strategies are what will help you rake in some quick cash.
Remember, your motivation and dedication are as important as the information and tools you acquire.
If you are looking to make a little bit more, check out how to make 500 dollars fast. Or even how to make 2000 fast!
Know someone else that needs this, too? Then, please share!!
No direct link to offer, some people are targeted in branch
Chase is offering some increased offers in branch:
Chase Ink Business Premier: $1,500 bonus after spending $10,000 on purchases in the first three months
Chase Ink Business Unlimited: $1,200 bonus after $6,000 on purchases within the first three months
Our Verdict
Both of these deals are fantastic, standard bonus on the Chase Ink Business Premier is $1,000 and there is a $900 offer on the Unlimited currently. It’s unclear how many people will be eligible for these offers, I assume you’ll need a business account to even be able to see if you are eligible. If you go in branch please share if you were eligible or not.
Creams, beiges, and taupes, often overlooked in favor of more vibrant colors, are again making a resurgence in the world of home decor. These neutral shades bring a sense of calmness, warmth, and versatility to living spaces. Whether you’re designing your new house in San Marcos, CA, or Oklahoma City, this is a good style because it effortlessly complements the serene and diverse landscapes of both regions, providing a timeless backdrop for your home that harmonizes with the natural beauty of coastal California or the heartland of Oklahoma.
This Redfin article explores the renewed popularity of these understated hues, offering insights from interior design experts on how to use them effectively in your home. From creating texture to incorporating pops of color and adding personal touches, discover the secrets to making these neutral tones the foundation of your stylish and inviting living spaces.
1. Beige decor isn’t boring
“Beige does not have to mean boring,” says Stegall Studios. “Using neutral tones like taupe, cream and beige can create an immediate sense of calmness and tranquility. The key to getting it right and making it interesting is incorporating different textures and patterns into this color palette.
The creamy colored room below was in need of a boost, so we added a 3-dimensional porcelain tile to the fireplace. We kept it in the same creamy, taupe color palette but the textural change of the tile and the subtle pattern added immediate warmth and character and completely changed the feeling in the space.”
Courtesy of Stegall Studios
2. The palette is highly versatile, inviting personalization
“In today’s fast-paced world, people are seeking spaces that promote relaxation and well-being. These colors create a serene and calming atmosphere, which is highly desirable in modern living,” suggests Acacia + Spruce.
“Creams, beiges, and taupes serve as a versatile backdrop, allowing homeowners to easily incorporate various decor styles and color accents, making it adaptable to changing preferences. Despite their neutrality, these hues can be personalized with textures, patterns, and pops of color, giving homeowners the freedom to express their individuality while maintaining a cohesive look.”
3. Incorporate texture into the mix
“My best design tip is to incorporate layered textures into a neutral home design,” recommends Beach Nest Interiors. “This prevents the space from feeling flat and creates interest. Varying tones of beiges, tans, and creams gives a warm, relaxing energy and creates a perfect backdrop for thoughtful pops of color in wall art, lamps, and pillows. Adding in natural organic elements like wood, plants, and stone will really take this design to the next level.
Bonus tip: use the ceiling to infuse warmth and a bit of drama into your space. Have tall ceilings? Paint them a darker tone than the walls or add wood beams or textured wallpaper.”
Courtesy of Beach Nest Interiors
4. Be purposeful when laying colors, patterns, and texture
K.C. Customs, Inc. recommends that “When working with this color palette, we recommend you pay meticulous attention to texture, layering plush fabrics, rich woods, and subtle patterns to achieve depth and visual interest. Thoughtful lighting plays a crucial role in accentuating the inviting ambiance of these hues. These colors not only stand the test of time but also adapt seamlessly to diverse design styles, making them a versatile choice for every homeowner’s vision.”
Courtesy of K.C. Customs, Inc.
5. Warm colors are in
“Designing homes with creams, beiges, and taupes is a design trend that is gaining fast traction as grays slowly fade,” shares Brandie Crain Interior Design. “Whereas grays can leave a space feeling cold if left to their own devices, softer forms of brown bring warmth to a room and feel classic, but still fresh. Wood tones and natural, woven accents pair well with these colors—combined, they create a sense of warmth and comfort. The palette can be styled with black or gold accents to give it a more modern touch or whites and medium to dark grays to give it a more old-world feel with deeper contrast.
These colors can be used on walls, but I like to paint walls and trim the same warm white and use taupes and darker beiges on anchoring pieces like couches and cabinetry and lighter beiges and creams for accessories, but avoid dark browns and beiges and creams with too much yellow, which tend to look outdated.”
Courtesy of Brandie Crain Interior Design
6. Millennial gray is out
“Recently, the resurgence of creamy tones is replacing the bright white, high contrast trend that ruled nearly every sector of home design for many years,” notes Courtney Brown. “A natural, creamy color palette subtly softens your home with lived-in warmth and a calming atmosphere.
The key to pulling off this tone-on-tone design? Layering. Through layering a variety of textures, neutral accents and organic materials, a palette of creams, beiges, and taupes is both timeless and fresh. When used as your home’s foundation, it creates a seamless flow from one space to the next, allowing an elevated and elegant bedroom and a relaxed, cozy living room to organically co-exist.”
7. Use natural, dark pops of color like wood
“The warm natural palette has become a trend because it’s really fool proof,” insists AESTHETIK Design by Victoria Tik. “I love adding dark pops for contrast and using white oaks when it comes to woods and or flooring to really bring the look home. This look stands out because it’s timeless and so adaptable, you can go from ultra modern to victorian or bohemian using this same palette.
To keep this look unique style, folks should feel free to incorporate their own personal touches with souvenirs from their travels or little pops of dark to balance things out. Have fun with it, don’t take design too seriously or it won’t be fun. And at the end of the day, we all just want to create a beautiful space that’s truly livable.”
Courtesy of AESTHETIK Design by Victoria Tik
8. Add pops of color with plants and accessories
“Use different shades of the same color to create depth and interest,” suggests Youth Design Philly. “Add plants and flowers to add life and color to the space. Add pops of color through natural materials like wood, stone, and leather to add warmth and texture. Take advantage of natural light whenever possible. Keep the furniture simple and uncluttered. Add a personal touch and fun to the space with accessories, artwork, or plants.”
Courtesy of Youth Design Philly
9. Make models before committing to a design
“Make sure when looking at finishes you know where it’s going,” recommends JL Interiors. “Lighting in a space is very important to create harmonious design. If you have a wall tile and a floor tile, look at them in different spaces. Make sure your wall tile is perfectly leaned upwards on a wall, and your floor tile is laid flat on the ground, so you know what they will look like in the end.
Paint is extremely important, make sure to not pick only one color from a color deck. Paint up multiple samples on the wall where the wall doesn’t get light, then you will understand which sample works best with your design.”
Courtesy of JL Interiors
10. Mixing elements creates visual impact
“The incorporation of woven baskets and handcrafted ceramics can add interest and texture to the neutral palette,” suggests Studio Squire. “Additionally, the inclusion of plants such as succulents and air plants can effectively connect the room to nature while imparting a sense of warmth and comfort. Incorporating plants into a neutral design can elevate its visual impact to its fullest potential.
The infusion of mixed metals, such as brass and oil-rubbed bronze, can further enhance the palette by imbuing it with a sense of warmth and grounding, thereby elevating its overall aesthetic appeal. The strategic use of black and dark, warm grays can lend a touch of sophistication to the neutral palette.”
Courtesy of Studio Squire
11. Neutral home decor is a timeless classic
“A successful interior is like a well-dressed person. They know well that creams, beiges, and taupes are timeless classics,” shares School of Sketching by Olga Sorokina. “They’re unlikely to combine a striped jacket with a checkered shirt, and if they do, they’ll do it tastefully, because knowing the rules allows you to break them.”
