This wall art set comes with a hanging kit, but reviewers say the included frames are light enough to hang with Command Strips! đđž
Sign Win is a New Jersey-based small business that provides tons of beautiful posters and art prints, making decorating your home easy as heck.
Promising reviews: “It is exactly as pictured! It’s really helped to tie our living room together. We went with the recommendation of keeping the installations 1.5 inches away from each other and they line up well. Even just the middle sun part looks cool, but the extensions of the sun rays truly make it a statement.” âchelsea0421
“Great experience with this seller. Art was packed well and came with all the hardware to install easily. The art itself is gorgeous! It is exactly as pictured (though itâs much more impressive in person). I would and will shop with this seller again. I am so happy with the way it turned out!” âhoviousa
Get it from Sign Win on Etsy for $44.99+ (available in two sizes, three frame colors, and three art styles).
Insured Cash Sweep (ICS) accounts leverage a network of banks to provide extra Federal Deposit Insurance Corp. coverage for your deposits. Rather than the standard $250,000 per depositor, per institution offered by the FDIC, ICS accounts can protect millions of dollars.
If your business has a large operating budget or cash reserves, a sweep account can offer peace of mind and convenience. Instead of opening and managing multiple business bank accounts â at multiple financial institutions â to ensure your funds are fully protected, you can unlock up to $150 million in FDIC coverage with an ICS account while still dealing with one primary bank (though many financial institutions cap ICS coverage to between $2 and $10 million).
đ¤Nerdy Tip
Even if you use a sweep account, NerdWallet still recommends using separate banks for your main operating account, payroll account and emergency fund. This minimizes potential disruption to your business if your account is frozen or closed, or if one of your primary banks fails.
Sweep accounts can have a few potential drawbacks, though, including additional fees and delayed access to funds. Compare Insured Cash Sweep accounts across multiple business banks to find the best option for your small business.
Looking for a business checking account?
See our overall favorites, or choose your business type to find the best options for you.
Learn more
on Nerdwallet’s secure site
How Insured Cash Sweep accounts work
1. Find a participating institution. Sweep accounts are typically only available at banks that are part of the IntraFi network, which includes nearly 3,000 local, regional and national FDIC-insured banks. Several online banks, including Axos, Grasshopper and Live Oak, are also members of the IntraFi network. And some neobanks â financial technology companies that offer banking services â partner with FDIC-insured banks that are part of the network.
2. Opt in to sweep services. You usually have to opt in to a sweep account, though Bluevine Business Checking and some other accounts offer ICS accounts as the default option. Either way, youâll sign an agreement when you open your ICS account that allows the bank to move your money to other partner banks. Keep in mind that sweep accounts may have additional fees.
3. Choose your sweep preferences. You can typically select between two sweep options: demand or savings. Demand accounts allow for unlimited withdrawals, whereas savings sweep accounts place funds in money market accounts that cap withdrawals (often at six per month) but often offer a better interest rate. Demand accounts are best for operational funds that you need to draw on regularly, while savings sweep accounts are better suited for emergency savings and cash reserves.
Some banks also offer a third sweep option â Certificate of Deposit Account Registry Service or CDARS â which places funds into business certificates of deposit. These accounts typically have a higher, fixed interest rate, but youâll pay a penalty if you withdraw funds before the CD term matures. Your sweep account options may vary from one financial institution to the next.
4. Let the account do its work. Your Insured Cash Sweep account will distribute your funds across a network of partner banks behind the scenes per your preferences. No bank account will have more than $250,000 within it â the maximum covered by FDIC insurance at one financial institution.
5. Access funds as usual. Despite having funds spread across potentially dozens of banks, youâll still only deal with one financial provider and be able to see and access all of your funds through that primary bank. Large withdrawals could be delayed a day or two depending on the amount needed, with CDARS funds likely locked up even longer in line with the CDâs term.
Benefits of an Insured Cash Sweep account
Unlock millions in FDIC insurance. The FDIC insures up to $250,000 per depositor, per institution and per ownership category, which is likely sufficient for many small businesses. But companies with larger operating budgets may be exposed if their bank fails. Insured Cash Sweep accounts offer a solution by placing your deposits, in $250,000 increments, across a network of FDIC-insured banks. Combined, those partner banks can provide several million dollars in FDIC coverage.
Manage funds through one account. Business owners may want multiple business bank accounts to protect themselves from unexpected interruptions like an account freeze. But if youâre manually spreading opening and managing accounts across dozens of financial institutions just to ensure FDIC coverage, Insured Cash Sweep accounts simplify the process. Account holders open an account through one primary bank that acts as a custodian and automatically moves money to partner banks so that you donât exceed $250,000 (principal and interest) at any one bank.
Drawbacks of an Insured Cash Sweep account
Additional fees apply to some sweep accounts. Sweep accounts require some additional overhead for financial institutions, and that cost may be passed down to account holders. Some ICS accounts charge a monthly fee, while others simply take a portion of the interest earned on your sweep account.
You may not earn interest on your full deposit (or at all). If your business has millions of dollars in deposits, ideally youâre putting it to work in a high-yield account. While most ICS accounts earn interest, some pay lower rates or cap what you can earn.
Bluevine Business Checking, for example, offers up to $3 million in FDIC insurance coverage through its sweep account. But you only earn interest (2.00% APY) on balances up to and including $250,000. And Mercuryâs Business Bank Account, which is eligible for up to $5 million in FDIC insurance coverage, does not earn any interest.
Business bank accounts with sweep options
Looking for a business bank that offers Insured Cash Sweep accounts? Here are a few options:
You can also explore other banks that are part of the IntraFi network on its website.
Devoted to AIME Shelton is an active member of AIME, including acting as a âstate captainâ for her home state of Michigan. Earlier this year, AIME launched the program comprising volunteers from its rank and file to help effect positive legislative change on behalf of the broker channel. To that end, Shelton is involved in … [Read more…]
Woman’s World aims to feature only the best products and services. We update when possible, but deals expire and prices can change. If you buy something via one of our links, we may earn a commission.
We know it’s the week before Halloween, but it’s not too late to grab the perfect Halloween decor! Whether you’re looking for the perfect finishing touches to complete your Halloween home or you haven’t even begun to decorate, Amazon has you covered with all kinds of Halloween decor.
The online retailer has more than just indoor decorations and spooky decor for your yard. If you’re in need of Halloween costumes, party supplies, Halloween candy, costume makeup, pumpkin carving supplies, and more, Amazon has what you’re looking for!
Where to Buy Halloween Decor: Amazon Prime Members Have Access to Fast, Free Shipping
Get Halloween decor to your front door fast with Amazon Prime. If you’re an Amazon Prime Member, you’ll get your Halloween decorations fast and easy with two-day shipping! Signing up to become a Prime Member is easy for those who don’t already subscribe.
18 Halloween Decorations to Turn Your Home From Bare to Scare
Halloween Kitchen Decor
Buy from Amazon, $40
Let your friends and family know what you’re serving up this Halloween with this spooky coffin-shaped letter board! It’s the perfect kitchen or dining room accessory for listing menu items, but it can really be used anywhere in the house. It’s available in black, orange, or purple and comes complete with 500 white and black characters so you can create a custom sign for your home.
Buy Now
Halloween Bathroom Decor
Buy from Amazon, $18
Keep your bathroom smelling fresh this fall with this pumpkin spice soy wax candle. It’s infused with fall scents like pumpkin, cinnamon, clove, and vanilla and small enough (9 oz.) to place on the back of a toilet or vanity in your home’s powder room to mask any unwanted odors this Halloween!
Buy Now
Halloween Home Decor
Buy from Amazon, $30
These adorable mini knit pumpkins are ideal for your mantle or can create a beautiful centerpiece for your coffee table or dining room buffet this fall. They’re hand-made by a small business in Wisconsin, stand 2.5″ x 2″ tall, and come in a set of 12 fall colors sure to fit with a variety of home decorating styles.
Buy Now
Halloween Door Decor
Buy from Amazon, $26
Welcome guests this Halloween with this ghoulish front door sign. The “Welcome” illuminates to greet your guests and trick-or-treaters alike! This wreath comes in three options: the ghost pictured here, a moon wreath with a black cat, and an alien sign that reads “You were warned.”
Buy Now
Halloween Table Decor
Buy from Amazon, $31
Dress up your table this Halloween with these adorable light up ghost figurines. Each little ghost has a different expression and body type that gets illuminated by LED lights in a beautiful warm white glow. From mantles to dining room tables, decorative shelving, and more, there’s no wrong way to decorate with these ghosts!
Buy Now
Halloween Porch Decor
Buy from Amazon, $10
Illuminate your yard with these creepy glowing ghosts this Halloween. Each kit comes with three ghosts adorned with witch hats that light up. When night falls, they will seem to float in the air, creating a mysterious atmosphere on your property for your guests or passerby.
Buy Now
Pastel Halloween Decor
Buy from Amazon, $27
This set of decorative pumpkins feature traditional pumpkin shapes and are painted in harvest white and pastel pink, then lightly brushed with gold and topped with whitewashed stems. They’re also available without the gold brushing detail as well as more traditional Halloween color options. Use them in a decorative bowl to create a centerpiece, on your mantle, or in a powder room to create a festive fall ambiance.
Buy Now
HALLOWEEN WALL DECOR
Buy from Amazon, $9
This kit comes of 120 bat stickers is made of waterproof PVC, making them the perfect indoor or outdoor decor! The bats come in four ranging sizes with wings that can be folded any way you like. Use them on interior or exterior walls to create a spooky vibe anywhere around your home.
Buy Now
Halloween Mantle Decor
Buy from Amazon, $7
100% anti-crease polyester fabric ensures a lightweight, durable, and fade-resistant black lace spiderweb perfect for your Halloween mantle, dining room table, or buffet set-up. It’s 18×96 inches and can be used in plenty of other ways, too, including over a doorway or window or as a backdrop for your Halloween photo shoot.
Buy Now
Black Cat Halloween Decor
Buy from Amazon, $20
Illuminate your yard this Halloween with this set of decorative black cats. Their eyes glow with purple LED light to create a mysterious and dark atmosphere on your property. They can be turned on automatically or set with a timer to glow for six hours at a time.
Buy Now
Halloween Window Decor
Buy from Amazon, $10
Illuminate your window this Halloween with a spell book, cat, and cauldron light set! Set it and forget it this Halloween with these timed LED light shapes, which also come in a set that has a pumpkin, spider, and witch hat.
Buy Now
Indoor Halloween Decor
Buy from Amazon, $24
Use these flickering flameless hanging candles throughout your home this Halloween to achieve a spooky atmosphere! Each tapered candle is equipped with barely-there fishing line that makes them easy to hang from ceilings, mirrors, and more. The best part is that they’re controlled with a magic wand that only requires one AAA battery.
Buy Now
Halloween Witch Decor
Buy from Amazon, $30
Install this quintessential crashing illuminated witch to any tree in your yard for a hilarious addition to your Halloween decor. Long straps on each hand and ankle make it easy to install, remove, and reuse year after year. The steel wire in the broom makes it adjustable and customizable, too! Available in warm white or orange lights, this crashing witch is a must-have.
Buy Now
Cute Halloween Decor
Buy from Amazon, $24
Dress up your couch, power recliner, or porch swing this Halloween with these adorable ghost throw pillows! They’re made from an ultra-soft polyester velvet material that’s durable but soft to the touch. Each set comes with three pillows that range in size (12″x16″, 13.5″x16″, 17″x16″).
Buy Now
Gothic Halloween Decor
Buy from Amazon, $15
If you’re a lover of gothic Halloween decor, these artificial eucalyptus stems are ideal for your home. Each pack comes with 24 pieces of black faux eucalyptus stems (13.4 inches in length) ideal for centerpieces, entryways, and more.
Buy Now
Living Room Halloween Decor
Buy from Amazon, $12
Have throw pillows you want to dress up for the Halloween holiday? This set of four throw pillow covers is perfect! With quotes like “It’s Just a Bunch of Hocus Pocus” and “Sanderson Sister’s Black Flame Candle Company,” they’re perfect for any fan of Hocus Pocus! Available in white and black, white, black and orange, or colorful options, these throw pillow cases will fit into any Halloween home decor.
Buy Now
Chic Halloween Decor
Buy from Amazon, $25
This rustic book tower features burlap ribbon wrap and is accented with the words âspellsâ, âcursesâ, and âbrewsâ in a typewriter style print that’ll make the perfect addition to your bookshelf, coffee table, or window display this Halloween. Plus, these open like a box and are hollow inside, so they can double as secret storage!
Buy Now
DIY Halloween Decor
Buy from Amazon, $10
Create your own custom Halloween decorations with this DIY wood set complete with spiders, bats, pumpkins, witch hats and eight other varying styles. These decorations can be stained or painted any way you like, then hung with the cotton rope each kit comes with to easily transform your home for the Halloween holiday.
Buy Now
Get festive with these Halloween decorations! Shop these and more from Amazon.
Want more Halloween ideas? Keep reading!
Halloween Cakes: 14 Spooky Good Recipes
These Old Halloween Photos Will Get You in the Spirit
Halloween Dinner Ideas: 22 Frightfully Fun Recipes
Womanâs World aims to feature only the best products and services. We update when possible, but deals expire and prices can change. If you buy something via one of our links, we may earn a commission.
Congress enacted the CRA in 1977 in an attempt to increase banksâ lending and investment in the communities they serve, with a particular focus on low- and moderate-income residents and neighborhoods. The FDIC, FRB and OCC share responsibility for assessing banksâ performance under the CRA: the OCC examines national banks, the FRB examines state-chartered banks that are members of the Federal Reserve System, and the FDIC examines state-chartered banks that are not members of the Federal Reserve System.
Under the current regulatory framework, the agencies assess CRA performance based on how well banks meet the credit needs of the communities in which they operate, which are known as âassessment areas.â The current regulations set forth a series of performance tests by which regulators measure banksâ residential mortgage and small business lending, investment in communities and retail services. Banks are grouped into one of several categories based on size or business model (small, intermediate, large or wholesale), with smaller banks subject to less strenuous and detailed tests than larger banks. Based on these tests, regulators assign banks a rating of either outstanding, satisfactory, needs to improve or substantial noncompliance; banks that do not receive a rating of satisfactory or outstanding are subject to significant restrictions on their operations, including limitations on mergers.
Critics of the current CRA framework have highlighted several areas in need of modernization. For example, the current CRA regulations were last significantly revised in 1995, before the widespread adoption of online and mobile banking, and do not have specific guidelines on how to address digital banking. Critics have also argued that there is too much ambiguity and subjectivity in the current regulations, including which activities qualify for CRA credit.
Although each agency has its own set of regulations, historically these regulations have been nearly identical. The agencies have been engaged in efforts to significantly overhaul and modernize the CRA regulations for several years, with varying levels of coordination. Most notably, in May 2020, the OCC separately promulgated new CRA regulations, which, for the first time, would have established different CRA standards for OCC-regulated national banks than those that apply to state-chartered banks regulated by the FDIC and FRB. However, in July 2021, following changes in presidential administration and OCC leadership, the agencies recommitted to a joint effort to overhaul the CRA regulations. The agencies have been working collaboratively since that time, and, in December 2021, the OCC formally rescinded its Trump-administration-era regulations.
As we discussed in our prior client alert, the agencies issued a joint Notice of Proposed Rulemaking (NPRM) on May 5, 2022 that proposed sweeping changes to the CRA regulatory framework, including by creating stringent new performance tests, expanding the geographic area in which the agencies would evaluate banksâ CRA performance, and significantly expanding the use of metrics and data in CRA examinations.
The Final Rule
The Final Rule adopts the most significant aspects of the NPRM as proposed, including by adopting stringent data-driven performance tests and expanding the geographic areas in which banksâ CRA performance may be evaluated. We discuss certain key differences between the Final Rule and NPRM in the next section.
Like the current CRA regulations and NPRM, the Final Rule establishes a tiered evaluation framework based on bank asset size. âSmallâ banks are defined as those with assets of up to $600 million, âintermediateâ banks are those with assets of at least $600 million but less than $2 billion, and âlargeâ banks are those with assets of at least $2 billion. Each of these figures marginally increases the current asset size thresholds of $376 million for small banks, $376 million to $1.503 billion for intermediate small banks, and over $1.503 billion for large banks.
Large and intermediate banks will be subject to strict new performance tests that may make it more difficult for banks to achieve satisfactory or outstanding ratings. Banks with assets of at least $10 billion will also be subject to further requirements, including substantial new data collection and reporting obligations. Small banks will be evaluated under the existing CRA regulatory framework but will have the option to be evaluated under aspects of the new framework.
The most significant departure from the existing regulatory framework is the expansion of the geographic areas in which banks may be evaluated for CRA performance. This new requirement will particularly affect banks focused on nationwide digital banking that have a small number of brick-and-mortar branches. Under the current framework, banks are only evaluated in areas where they have physical locations. However, under the Final Rule, banks with at least $2 billion in assets and that have 80 percent or less of their lending in their traditional, local assessment areas will now be evaluated in newly created âretail lending assessment areas,â which are defined as any metropolitan statistical area or nonmetropolitan area of a state where a bank originated more than 150 closed-end home mortgage loans or 400 small business loans in each of the prior two years, regardless of whether the bank has a physical location in that area. The agencies will also continue to evaluate all banks in areas where they have branches and other facilities that accept deposits, which the Final Rule rebrands as âfacility-based assessment areas.â
The Final Rule also establishes new standardized metrics and quantitative standards for evaluating banksâ CRA performance under various performance tests. The agencies stated that these metrics and standards are intended to help achieve greater clarity, consistency and transparency in CRA ratings. However, the agencies also deliberately calibrated the metrics and standards to make it more challenging for banks to achieve an outstanding or satisfactory rating.
The metrics and standards feature most prominently in a new Retail Lending Test that will apply to large and intermediate banks. The test includes a âretail lending volume screenâ that would compare the volume of a bankâs lending in its facility-based assessment area to other banksâ in the same facility-based assessment area, as well as metrics to measure a bankâs distribution of loans within its assessment areas, within low- and moderate-income census tracts, and to low- and moderate-income borrowers. The volume screen serves as the initial measurement of a bankâs performance, and banks that do not perform well on this volume screen will have an uphill battle to achieve a satisfactory rating.
The Final Rule also includes complex metrics and benchmarks designed to evaluate banksâ community development activities. Large banks will be evaluated under a new Community Development Financing Test that includes a metric to evaluate the dollar amount of a bankâs community development loans and investments relative to its deposit base, standardized benchmarks and a qualitative impact review of community development financing. Intermediate banks may choose to be evaluated under this new test at their option.
Other key components of the Final Rule include the following:
A Community Development Financing Test tailored to limited purpose and wholesale banks that do not provide significant retail products and services;
A Retail Services and Products Test that evaluates a bankâs credit products and programâs responsiveness to the credit and deposit needs of the communities in which it operates;
A Community Development Services Test that measures a bankâs record providing community development services in the communities in which it operates. This test is primarily qualitative but includes a metric to evaluate the community development services of large banks;
The agencies will for the first time develop and maintain a publicly available illustrative list containing examples of activities that qualify for CRA credit and will also establish a process for banks to obtain confirmation of the eligibility of specific activities;
The Final Rule adds additional detail to the eligibility criteria for banksâ community development activities, including by incorporating concepts currently set forth in interagency guidance directly in the Final Rule;
All banks will receive consideration for any qualified community development loans, investments or services, regardless of location; and
Banks with at least $10 billion in assets will be required to collect, maintain and report data for their retail deposits lending and services, community development loans, investments and services and assessment areas.
Key Differences between the Final Rule and NPRM
Although the Final Rule generally adopts the framework the agencies proposed in the NPRM, it makes certain important changes. These include the following:
The Final Rule reduces the number of product lines subject to analysis in the new Retail Lending Test. The NPRM would have included six categories: closed-end home mortgage loans, open-end home mortgage loans, multifamily loans, small business loans, small farm loans and automobile loans. The Final Rule eliminates open-end home mortgages and multifamily loans, and will only require evaluation of a bankâs automobile lending if such loans represent a majority of the bankâs lending;
The Final Rule limits the evaluation of mortgage and small business lending in retail lending assessment areas by increasing the applicable thresholds in the NPRM from 100 closed- and open-end mortgages to 150 closed-end mortgages and from 250 to 400 small business loans. The Final Rule also exempts from this new requirement banks that conduct 80% or more of their retail lending inside traditional, facility-based assessment areas;
The Final Rule does not adopt the NPRMâs controversial proposal to permit downgrades of a bankâs CRA rating based on virtually any illegal practice, even those unrelated to credit and the core purposes of the CRA. The Final Rule instead generally retains the existing regulatory standard that permits a downgrade only for discriminatory or other illegal credit practices; and
The Final Rule also makes certain adjustments to the metrics and benchmarks in the NPRM that the agencies state will make achieving a satisfactory or outstanding rating for retail lending performance more achievable than under the NPRM.
Criticism of the Final Rule
Federal Reserve Governor Michelle Bowman, FDIC Vice Chairman Travis Hill and FDIC Director Jonathan McKernan voted against adopting the Final Rule. In a statement describing her decision not to support the Final Rule, Governor Bowman highlighted the increased burdens the Final Rule will impose on community and regional banks. She also stated that the Final Rule is unnecessarily long and complex, and it will be a significant challenge for smaller banks to understand their obligations. Vice Chairman Hill and Director McKernan cited similar concerns in statements describing why they could not support the Final Rule.
Effective Date
Most of the Final Ruleâs requirements will be effective beginning January 1, 2026. Additional requirements, including new data reporting requirements, will be applicable on January 1, 2027. However, given the complexity of the Final Ruleâwhich, together with explanatory text, is nearly 1,500 pagesâand likelihood that implementation will require significant overhauls of banksâ policies, procedures and systems, banks should begin compliance planning immediately.
Covogoods is a Utah-based, woman-founded small business that specializes in storage solutions crafted from up-cycled books.
Promising review: “We absolutely love our CovoBox. It fits perfectly into our cabinet, and the cable modem/router, AppleTV, and external hard drive, and their various cables are now cleverly disguised as Harry Potter books 1-7. Great customer service, quick delivery, and a fabulous product. Two thumbs way, way up!” âJohn Grace
Get it from Covogoods on Etsy for $12.60+ (originally $21+; available in various customizations and sizes) OR on Amazon Handmade for $29+ (you’ll choose customizations before adding to your cart).
With the holiday shopping season fast approaching, a simple addition to your catalog can go a long way: gift cards.
Unlike other types of inventory, gift cards are cheap to produce, easy to ship and unlikely to be returned. If you offer digital gift cards, you canât run out â and you can keep making sales until a few minutes before gifts are exchanged.
âPeople love giving gift cards,â says Rachel DeCavage, owner and creative director at Cinder + Salt, an eco-friendly clothing company based in New England. âIt’s a no-brainer way for them to give someone something that they’re going to love.â
People love getting them, too. In an October survey from the National Retail Federation, 55% of respondents said they hope to get a gift card as a present this year.
Hereâs how you can make gift cards part of your holiday strategy, whatever you sell.
1. Create your gift cards
You may be able to order physical cards or offer digital ones through your e-commerce platform or point-of-sale system. Physical cards typically cost less than $2 per card, and digital cards are often free.
Physical cards are more popular gifts for Chicago-based indoor golf facility The Green, says founder and managing partner Connor Ptacin.
During the holidays, Ptacin estimated his team mails out “like 20 gift cards a week” to people who want to give their loved ones something physical.
Digital cards let you keep making sales until the very last minute. DeCavage says she usually sees a rush of gift card orders âlike three days before a holiday.â
The right mix of digital and physical cards depends on your customers. If most of your sales take place in person, physical cards may be more popular. But if more of your customers shop online and you tend to ship orders farther away, or if youâre trying to grow your online sales, lean into digital cards.
2. Promote them as gifts
Display gift cards by your register and prominently on your e-commerce website to catch shoppersâ eyes.
âJust pop it right there on the counter and drive the impulse purchase,â says Jay Jaffin, chief marketing officer at Blackhawk Network, which helps retailers create and sell gift cards and other rewards items.
You can use gift cards to encourage other spending. This year, DeCavage is offering gift cards as bonuses to customers who spend more than a certain amount at Cinder + Salt.
âIt could be an incentive for them or it could be something they can give to someone else, and it also feels like they’re getting a discount,â DeCavage says.
Make sure your cashiers know how to load gift cards using your point-of-sale system and how to package them. Those transactions give your staff the opportunity to make additional sales, too: DeCavage encourages gift card buyers to add something small, like a sticker, so itâs more exciting for the recipient to open.
âWe try to make it a part of the shopping experience for people who are really unsure about what to get,â DeCavage says.
Promote gift cards on social media and via email, too. A well-timed online marketing campaign can remind previous customers that you have gift cards available â especially if you can reach last-minute shoppers at the right moment.
Lastly, Ptacin recommends swapping gift cards with other local businesses that serve similar audiences. That can help you reach new customers who might have just needed a push to visit you.
3. Prepare for redemptions
If you sell enough gift cards, you might reduce the intensity of another post-New Yearâs headache: returns.
âA lot of times, what you see is a bunch of returns at the beginning of the year,â Jaffin says. âSometimes, those gift cards can actually help balance that out â that first-quarter lull.â
Shoppers usually spend more than whatâs on their gift cards, Jaffin adds.
DeCavage says gift card shoppers often behave differently. Instead of making a beeline for their desired item, they tend to spend lots of time browsing.
âFor small retailers, gift card programs can really be a low-maintenance and affordable way to compete against larger stores,â Jaffin says, âwhile also helping to acquire new customers and encourage repeat foot traffic.â
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 youâll find plenty here that will fulfill your needs.
Weâve reviewed 25 credit cards from our partners that not only provide great rewards, but weâve found the best credit cards for people with no credit, bad credit and fair credit. Weâve 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 VisaÂŽ Credit Card
Apply Now
on Chimeâs secure website
Annual fee
Recommended credit score
You can qualify for the Secured Chime Credit Builder VisaÂŽ 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 scoreâand thereâs 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 VisaÂŽ
Apply
Now
on Upgradeâs secure website
Annual fee
Recommended credit score
The Upgrade Cash Rewards VisaÂŽ 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
UNITYÂŽ Visa Secured Credit Card â The Comeback Cardâ˘
Apply
Now
on OneUnited Bankâs secure website
Annual fee
Recommended credit score
The UNITYÂŽ Visa Secured Credit Card â The Comeback Card⢠is not only a balance transfer card, but
itâs a secured credit card as well, so thereâs 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 Platinumâs 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, youâll 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
Doesnât report to credit bureaus
Best for: No interest
Net First Platinum
Apply
Now
on NetFirst Platinumâs 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
Doesnât report to credit bureaus
Best for: No APR
Freedom Gold Card
Apply
Now
on Freedom Goldâs 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. Thereâs 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
UNITYÂŽ Visa Secured Credit Card â The Comeback Cardâ˘
Apply
Now
on OneUnited Bankâs secure website
Annual fee
Recommended credit score
The UNITYÂŽ Visa Secured Credit Card â The Comeback Card⢠is not only a balance transfer card, but
itâs a secured credit card as well, so thereâs 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 BankÂŽ Secured VisaÂŽ Gold PreferredÂŽ 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 VisaÂŽ
Apply
Now
on Upgradeâs secure website
Annual fee
Recommended credit score
The Upgrade Triple Cash Rewards VisaÂŽ credit card provides 3% cash back for auto, home and health
categories. This is a quality choice if youâre 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
PetalÂŽ 2 Card
Apply Now
on Petalâs 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. Youâll 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
MastercardÂŽ Black Cardâ˘
Apply
Now
on Luxury Cardâs secure website
Annual fee
Recommended credit score
The MastercardŽ Black Card⢠is a travel card that has 2% airfare redemptions with no blackout dates
or seat restrictions. Youâll 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
MastercardÂŽ Titanium Cardâ˘
Apply Now
on Luxury Cardâs secure website
Annual fee
Recommended credit score
The MastercardÂŽ Titanium Card⢠is a travel card with a low ongoing APR of 19.24%. Youâll receive 24/7
Luxury Card ConciergeÂŽ as one of the benefits along with 2% for airfare demptions with no blackout
dates or seat restrictions.
see more details
Pros
Luxury Card TravelÂŽ benefits
Airfare rewards
Cell phone protection
Cons
Annual fee
Best for: Low APR and travel
MastercardÂŽ Gold Cardâ˘
Apply
Now
on Luxury Cardâs secure website
Annual fee
Recommended credit score
The MastercardŽ 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 TravelÂŽ benefits
Airfare rewards
Lounge access
Cons
High annual fee
Bad Credit
In order to build credit, you need a history of good creditâthese are our top picks for credit cards if youâre working on improving your mid- to low-range credit score by adding more positive payments to your credit report.
Best for: Groceries and gas
AspireÂŽ Cash Back Reward Card
Apply
Now
on Aspireâs secure website
Annual fee
Recommended credit score
The AspireÂŽ Cash Back Reward Card gives cardholders a credit line of up to $1,000, and youâll 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 Avantâs 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
helpfulâthey 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 VisaÂŽ
Apply
Now
on Upgradeâs secure website
Annual fee
Recommended credit score
The Upgrade Cash Rewards VisaÂŽ 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 VisaÂŽ Credit Card
Apply
Now
on Chimeâs secure website
Annual fee
Recommended credit score
You can qualify for the Secured Chime Credit Builder VisaÂŽ 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 scoreâand thereâs 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 BankcardÂŽ Secured Credit Card
Apply
Now
on PREMIER BankcardÂŽâs secure website
Annual fee
Recommended credit score
The PREMIER BankcardÂŽ Secured Credit Card doesnât 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 BankÂŽ Secured VisaÂŽ Gold PreferredÂŽ 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 MastercardÂŽ Secured Credit Card
Apply Now
on First Latitudeâs secure website
Annual fee
Recommended credit score
The First Latitude Platinum MastercardÂŽ 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 youâre 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, weâve 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.
Thereâs 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 VisaÂŽ Credit Card: This is a card that is for individuals with bad credit or no credit, and it also has 0% interest on purchases. Thereâs no minimum security deposit as well.
Upgrade Cash Rewards VisaÂŽ: For every purchases, you make with this card, youâll receive 1.5% cash back, and it also comes with a $200 signup bonus.
Best Balance Transfer Credit Cards
UNITYÂŽ Visa Secured Credit Card â The Comeback Cardâ˘: 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 VisaÂŽ Credit Card: This secured credit card helps those looking to repair or build credit and comes with 0% interest. Thereâs 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
UNITYÂŽ Visa Secured Credit Card â The Comeback Cardâ˘: 9.95% on balance transfers for the first six months and then 17.99% fixed APR after.
Applied BankÂŽ Secured VisaÂŽ Gold PreferredÂŽ Credit Card: This card gives cardholders a credit limit of up to $5,000, and thereâs 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 VisaÂŽ: Ongoing APR as low as 14.99% on all purchases along with 3% cash back on home, auto and health purchases.
PetalÂŽ 2 Card: The PetalÂŽ 2has one of the highest cash back percentages at 10% when you shop at select merchants, and youâll receive 1.5% cash back on all other purchases.
Best Travel Credit Cards
MastercardÂŽ Titanium Cardâ˘: 0% APR for the first 15 billing cycles and 2% rewards on airfare redemptions with no blackout dates or seat restrictions.
MastercardÂŽ Gold Cardâ˘: 0% APR for the first 15 billing cycles and 2% rewards on airfare redemptions with no blackout dates or seat restrictions.
MastercardÂŽ Black Cardâ˘: 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 VisaÂŽ Credit Card: Secured credit card you can open with a $200 deposit or more along with a checking account.
AspireÂŽ 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 VisaÂŽ: Ongoing APR as low as 14.99% and 1.5% flat-rate cash back on purchases.
Best Secured Credit Cards
Secured Chime Credit Builder VisaÂŽ Credit Card: Secured credit card you can open with a $200 deposit or more along with a checking account.
PREMIER BankcardÂŽ Secured Credit Card: Secured credit card with a spending limit of up to $5,000.
Applied BankÂŽ Secured VisaÂŽ Gold PreferredÂŽ Credit Card: Requires a $200 deposit and can go up to $5,000.
The First Latitude Platinum MastercardÂŽ Secured Credit Card: Secured credit card with a limit of between $100 and $2,000.
A Beginnerâs Guide to the Best Credit Cards
Whether youâre 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. Youâll 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 youâll only pay back the same amount charged on the credit card.
Hereâs 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, youâll 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 youâre 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, theyâre 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 cardâs 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.
Hereâs 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 issuerâs 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 youâll 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, weâve listed some more helpful information about interest:
Your interest rate is generally based on your credit score, and youâll get approved for lower rates when you have a better credit score.
While interest is shown as an annual rate, youâre 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 youâre being charged.
Interest is not compounded, so youâll pay your full interest cost each month.
Learn more: Help! I really donât 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 youâll pay back the money you borrow from your line of credit.
Hereâs what the application process looks like:
Step 1: Fill out the application. Youâll 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: Youâll receive an approval or denial. These days, many online applications approve or deny you within just a few minutes.
If youâre approved for the credit card, youâll 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. Thereâs 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 youâre applying for new cards.
For example, if you have 10 credit cards but have a 20 percent credit utilization ratio, youâre 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, itâs helpful to know the various types. Different cards are beneficial for different lifestyles, purchasing decisions and personal preferences. Below, weâve 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. Theyâre easier to get approved for, but youâll 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. Theyâre 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, itâs helpful to know that theyâre more than just companies. Each card company works within a network, and, sometimes, theyâre 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, youâll 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.
Letâs look at an example using one of the top cards from our Travel category, the Citi PremierÂŽ Card. Citi Bank is the card issuer, using the Mastercard network and doesnât 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, whatâs considered âthe bestâ 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 Thatâs Right for You
Thereâs a lot to consider when choosing the right credit card, so weâve listed some of the primary features of various cards to help you make the best for you. Itâs also helpful to remember that by improving your credit score, youâll 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. Youâll need to see if the fee makes sense based on what youâll 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 theyâre not always advertised front and center when youâre applying for a credit card. Youâll often need to go looking on the application page for additional information to find out which fees youâll 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 youâre 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 youâll receive low interest on purchases for a certain amount of time. Some are as low as 0% interest.
Regular Rates
Regular rates, also called âongoing rates,â 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
Weâve 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 donât, 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, weâre 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 donât 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 issuerâs website.
Step 5: Wait for a decision.
Step 6: If youâre 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.
Whatâs the Best Credit Card?
Thereâs no single best credit card. The card thatâs the âbestâ will vary from person to person based on their needs, credit score and lifestyle.
Whatâs the Best Credit Card Company?
According to J.D. Powerâs 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 higherâfalling within the âgoodâ to âexcellentâ 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 youâre unsure of your credit score, get your credit score for free here.
WASHINGTON, D.C. â Today, U.S. Senator Sherrod Brown (D-OH), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs, took to the Senate floor ahead of a Congressional Review Act (CRA) vote to overturn the Consumer Financial Protection Bureauâs rule on small business lending pursuant to Section 1071 of the Dodd-Frank Act. The rule is designed to promote access to credit and combat discrimination in small business lending by making small business lending data more transparent.
Sen. Brownâs remarks, as prepared for delivery, follow:
Our middle class relies on strong small businesses.
Small business ownership is the second-largest source of personal wealth in this country â only behind owning a home. Small businesses make up more than 40 percent of our economy.
To build strong small businesses, entrepreneurs need credit. A loan lets you turn an idea into a business, or invest in your company to hire more workers.
Thatâs why small business credit is so essential to our economy and to our middle class.
But today, small business lending takes place in the dark. We donât have good data about how lenders are serving the small businesses in their communities.
And we donât have good data about who lenders might be leaving behind.
Without transparency, itâs all too easy for entrepreneurs in Ohio to lose out.
The data we do have suggest too many small business owners arenât getting a fair shot at a loan for their business.
Take rural small businesses. We know that rural communities have seen bank branch closures for years, drying up access to credit for small businesses. We need the data to understand how to reach these business owners, and grow small town economies.
Or take small business owned by women or people of color. The data we do have suggest theyâre more likely to be denied loans and charged higher interest rates.
You donât need reports and studies to know that most Ohioans donât get a fair shake from big banks and the financial system. But you do need accurate information to fight back.
Thatâs why, in 2010, Congress required the CFPB to get that information, and this spring, the CFPB issued a rule to finally implement the law and bring transparency to the small business lending market.
Weâre talking about basic data on the borrowersâ demographics, loan pricing, application approvals, and other critical information â just like we do with mortgages.
With this data, weâll be able to see gaps in the small business lending marketâallowing programs to expand access to credit for small businesses, like small businesses in rural areas.
And more data means more accountabilityâensuring that lenders reach minority communities and helping to root out discrimination.
Weâve seen this model work before.
After we began publishing data about home mortgages, more Americans of all races and backgrounds were able to achieve the dream of home ownership.
This still protects peopleâs privacy â borrowers arenât required to submit information if they donât want to.
Of course, the big banks and their lobbyists are putting up a fight. They always do.
But Iâm not going to help Wall Street avoid accountability.
I want to see more Ohio small businesses get loans and grow and be successful, and we are not going to let the banking lobby stand in the way.
I hope my colleagues will stand up for small businesses, stand up for entrepreneurs, and vote against this resolution.
Inside: Do you want to make money online fast? If so, weâll discuss the best digital products to sell on Etsy. By following these steps, youâll be on your way to making money selling digital items quite easily.
Do you want to learn how to sell digital products on Etsy and make money through it?
Selling digital products offers an exciting avenue for generating passive income. With their low production and distribution costs, high profit margin, and potential for scalability, they stand as a lucrative business model for many entrepreneurs.
Moreover, once a digital product is created, it can continuously bring in revenue without the need for additional production costs, making it an appealing source of passive income.
The key to being a successful Etsy seller is to understand your chosen niche and what your audience wants.
We will dive into digital products you could sell on Etsy which range from arts & crafts to business materials.
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.
What are Digital Products?
Digital products are items that are accessed and delivered electronically, examples of which include software, ebooks, online courses, digital music, video, and audio files.
These intuitive products offer the versatile benefit of being easily reproduced and instantly accessible on various devices, without the requirement of physical storage or shipping. Plus the world is moving towards becoming digital anyway.
In creating digital products, businesses aim to capitalize on customer appeal and convenient delivery, which often complement their physical goods or services.
Why Sell Digital Products on Etsy?
Selling digital products on Etsy offers an incredible opportunity to showcase and monetize your unique creations. With Etsyâs vast online marketplace and its millions of potential customers, it has become a preferred platform for artists, designers, and content creators.
Furthermore, it provides the flexibility to set your prices in accordance with the value you offer and experiment with different pricing strategies.
This is a hassle-free way to monetize your creativity. Hereâs why:
You craft it once, it sells eternally: Digital products offer the ultimate advantage of a âcreate once, sell foreverâ model. Imagine sipping a cup of tea while your creation secures sales one after another.
Resource-friendly: Bid adieu to the restrictions of shipping, storage, or material costs. Instead, welcome the comfort of financial freedom and resource efficiency.
Everlasting stock: Digital products on Etsy never run out! Say goodbye to inventory issues and overselling, which makes it a smart choice for long-term business.
So, start now by creating an account, picking your digital product, setting up shop, and starting selling on Etsy. With no heavy fees and no botheration of shipping.
Just pure creative power leads to sheer earning happiness.
What digital products sell the most on Etsy?
Well, our data shows that digital prints, planners, stickers, fonts, and childrenâs educational materials are some of the best-selling categories netting serious cash on this creative marketplace. This information came from Cody and Julie â the founders of the e-Printables course.
Typically, seasonal content always does well on any platform. Same with current trends like the âBarbieâ craze.
These products are a creative enthusiastâs goldmine owing to their limitless customization capabilities, instant delivery, and cost-effectiveness.
Wherein, most busy professionals, students, parents, and small business owners find them irresistible due to their convenience and adaptability to suit specific needs and tastes.
To learn more about selling on Etsy, I highly recommend connecting with Cody and Julie in their free webinar.
What digital download sells best on Etsy?
Among the myriad of digital products available,digital prints notably rank as one of the best-selling downloads on Etsy, closely followed by other popular items such as:
digital planners
logo designs
travel guides
business card designs
Lightroom presets
printable invitations.
A beautiful synergy of convenience, utility, and aesthetics, that can be printed at home or in a local print shop, whenever you wish. Perfect for last-minute gifters, DIY dĂŠcor enthusiasts, or anyone looking for hassle-free beautification!
So, staying in the game, consistently monitoring market trends, and adapting accordingly is the key to successfully selling your digital prints on Etsy.
Best Digital Products to Sell on Etsy
The best digital products to sell on Etsy depend upon various factors, such as your skills, customer interests, and specific market trends.
It is also important to keep an eye on high-sales products, check positive reviews, track favorites, and note recurring themes to understand what customers are looking for and to guide your digital product offerings. This is a quick way to make 300 dollars fast.
Here are the examples of some of the best digital products you might want to sell on Etsy:
1. Printable or Digital Planners
Youâve hit the jackpot if youâre contemplating selling printable or digital planners on Etsy. Some people might say digital or printable planners are seasonal but due to the high demand and flexibility, it could be the golden goose for your marketing on Etsy.
Buyers love and enjoy the tailored usability offered by printable planners, which they can customize to their requirements and physically pen in their plans.
You can supply this demand by offering a large variety and aesthetically pleasing designs.
Tip: Try bundling in different types of stickers for a snappier offer.
2. Craft Patterns
Craft patterns are a top-ranking digital product on Etsy, thanks to a revival of all things crafty!
From knitting and crocheting to sewing and embroidery, these digital masterpieces cater to the abundant trend-setters and hobbyists who frequent Etsy.
To truly get your digital craft patterns thriving on Etsy, remember to follow the trail blazed by successful pattern sellers like these Etsy sellers. These crafts start from an average selling price of $10, making them a lucrative venture for creatives.
Lastly, donât forget to unleash SEO magic â get your product seen by the right people especially when creating a sewing pattern or crochet pattern. This can be your missing element for transforming hard work into hard sales!
3. Children learning materials
Looking for a profitable side gig? Selling childrenâs learning materials on Etsy is wildly popular and well-needed especially for those homeschooling.
Parents and teachers are snapping up digital educational resources. By marketing printable lesson plans, colorful flashcards, and engaging worksheets, parent is hyped to supplement their childrenâs education.
This is a great summer job for teachers because your educational resources might just be the next best-seller on Etsy.
Crack open those lesson plans, as your Etsy store awaits.
4. Wallpapers
On Etsy, phone wallpapers are the new moneymaker. Provide colorful ways for customers to personalize their devices, these digital beauties are a hot ticket item.
To catch the widest net, cater to both phone and desktop users. You must keep up with trends. Also, creating wallpapers for Apple watches and other high-tech gadgets or themed designs for holidays is always a hit.
Itâs a simple concept: stylish wallpapers have an average selling price of around $3-4.
5. Calendars
Venture to sell digital business calendars guarantees a steady demand, as planning isnât just a phase â itâs woven into the fabric of daily life. To get started, unlock your artistic prowess with any digital art program like Adobe Photoshop or Canva.
Begin creating your unique touch on calendars, ensuring theyâre editable pre-print- a clear selling point. Remember, quality trumps all â prioritize visually appealing designs with user-friendly formats.
Time to turn dates into dollars. Listing calendars in your Etsy shop certainly wonât go out of style or demand. Also, aim for the $5 â $10 price range to hit the sweet spot of affordability and profitability.
6. Invitations
Invitations are among the top-selling digital items on Etsy.
Customizable templates for various occasions like weddings, parties, baby showers, and more are particularly popular. Itâs perfect for creative individuals skilled in design who are looking to turn a profit on their talents.
These digital products can provide a meaningful revenue stream. Some creators can charge up to $20 per customized item.
The bottom line is that selling digital invitation templates on Etsy doesnât just allow for creativity, but itâs also a lucrative business opportunity.
7. Business cards
Catering to the surge of remote entrepreneurs and the timeless need for personal cards, this trend is something to tap into.
You can offer editable, customized, or even smart cards â with features like one-click phone calls or emails â which can give your shop an edge.
Through Canva or Wepik, you can design exotic templates, offering customers the control to personalize before printing. Turn on your creative juices, let your brand shine, and step up your entrepreneurial ladder with a business card template.
8. Wedding Invitations and Printables
To be honest, I actually created my best friendâs wedding invitations. Maybe, I should have stuck with the side gig to make 500 dollars fast?!?
Wedding printables are now the âgo-toâ digital products. This isnât just about a cute âSave the Dateâ; offers a hassle-free, all-in-one wedding stationery solution, ready to match every wedding theme under the twinkling lights.
Help the DIY couples by providing a bundle: wedding program, customized hashtag sign, table place cards, save-the-date cards, and even personalized portrait options with a delightful sign thrown in.
You can provide a seamless experience and watch the sales ring along with the wedding bells.
9. Journal Inserts
Are you a fan of journaling or love designing layouts? Well, itâs time you converted your passion into profit. Making journal inserts is one of the smartest digital products you can sell on Etsy.
Audiences vary from educators needing organized lesson and homework schedules or those seeking self-help and discovery questions.
For optimal selling, focus on providing a variety of designs and including white spaces for personal touches.
With an average selling price of $5, they appeal to smart shoppers who prefer to print inserts on cardstock paper.
10. Digital artwork
Digital artwork stands out in popularity due to the unique customization and selection variety it offers.
Customers are drawn to the ability to choose from diverse art forms, including watercolor illustrations, inspirational quotes, and Baltic or Bohemian prints, that perfectly align with their personal aesthetic or represent an emotion they resonate with.
Moreover, the availability of immediate prints post-purchase greatly increases the convenience and appeal of this artwork form.
11. Recipe cards
Do you love cooking and want to create delightful digital recipe cards for your customers? But, donât stop there, look at creating a meal planner to bundle with!
A printable, editable canvas for food aficionados brimming with delicious details of recipe cards is a great product. These digital delights are perfect for amateur chefs, bakers, and recipe bloggers.
The takeaway is clear. Selling recipe cards on Etsy is as facile as slicing butter, once youâve got the right ingredients and the perfect recipe. Itâs time to turn the heat up on your Etsy store and dish out some delightful recipe cards.
12. Social media templates
Creating social media templates can provide significant value for businesses and influencers seeking to establish a professional and cohesive online presence.
These templates, which can include pre-designed Facebook banners, Instagram stories, Twitter headers, and more, can be customized to fit a variety of themes such as minimalism, boho, or pastel colors.
When well-crafted, such templates can save businesses valuable time and effort while also helping maintain consistent brand imaging across different platforms. This is similar to a business hiring a virtual assistant with no experience.
e-Printables Free ebook
Curious about selling printables on Etsy but donât know where to start?
Get the secret list of best-selling products by month and learn you how to capitalize on seasonal trends to make sales.
Download Now
13. Printable Cake and Party Decorations
Selling printable party decorations as digital products on Etsy is like icing on the proverbial cake for smart entrepreneurs.
You can focus printable party decorations from charming cartoon-themed toppers for kidsâ birthday cakes to exquisite, romantic pieces for weddings and anniversaries.
Whether youâre creatively inclined or have an entrepreneurial spirit spotting potential, these printables offer a loophole to financial growth. Bundle your decorations based on themes for enticing offers.
14. Zoom background
Thanks to the surge in remote working and virtual meetings selling incredible Zoom backgrounds on Etsy has emerged as a lucrative product in the digital landscape.
These tailored digital backdrops not only enhance the visual appeal of online interfaces but also cater to usersâ needs to maintain privacy or conceal unorganized spaces.
However, you need to understand that creating Zoom backgrounds may not be beginner-friendly due to the required customization. However, do not let this intimidate you.
15. Productivity Trackers
People are constantly in search of practical, user-friendly tools to streamline their lives and make every hour count.
So, these productivity trackers are supremely versatile, covering daily routines, budgeting, goal setting, project management, and even grocery lists. Make your Etsy shop the one-stop shop for everyoneâs needs.
As it becomes an increasingly popular choice to shift focus towards maximizing effectiveness in peopleâs daily lives. Whether itâs maintaining a workout routine, tracking investments, or staying on top of a studentâs study schedule, these trackers cater to a wide assortment of needs.
16. Lightroom Presets
Lightroom Presets are essentially preset configurations that enhance a photoâs aesthetics, and folks from influencers to amateur photographers are keen to have them.
For starters, it caters well to the Instagram-obsessed demographic continually seeking to elevate their photo game. This venture is best suited for those who have a knack for photo editing and an understanding of aesthetics.
With an average selling price of $10, the numbers tip favorably in your Lightroom presets.
17. Etsy shop banners
Help out your new Etsy sellers by designing an impressive storefront with their shop banner.
Indulge your Etsy shop banners in various design themes suitable for a wide range of stores. Also, include a shop kit that makes store icons, a large and small banner, custom and reserved listing templates, and a profile picture graphic.
Promote your banner designing prowess to other sellers, so that you increase your brand awareness along Etsy.
When you have an awesome shop yourself, you are more likely to get sales!
18. Logos & branding kits
Move over, clip art! Logos and branding kits are in high demand as they fulfill the crucial need of every business that is striving for a unique identity.
Bundle your logos and branding kits or offer them individually to maximize your reach. Also, combining them with other digital products like media kit templates elevates your shopâs appeal.
This caters to diverse clients from Etsy sellers to businesses, influencers, and bloggers. Selling in this segment, youâll never run short of market demand. Get ready to impress with your graphic skills, and ride the wave of this profitable venture on Etsy.
19. Thank you cards
This is a timeless product that is regularly used by businesses and individuals to express their gratitude.
Offering these thank you cards in digital, customizable formats can attract more buyers due to ease of customization and competitive pricing relative to store-bought alternatives.
You can also sell the same design on physical cards if you want for another revenue stream.
20. Fonts
In the world of businesses, creators, and crafters galore are on a relentless hunt for the perfect font that suits their needs. Where versatility is a fontâs middle name â they can jazz up a brandâs website or add pizzazz to a party invitation.
Cricut fonts, in particular, are best-sellers. It is specially crafted for Cricut machines â a hit in the Etsy community of designers and makers.
Remember, the devil is in the (font) detail. Jump into the journey of digital font selling on Etsy and watch your typography turn into a treasure in no time.
21. Resume templates
Resume templates are handy, well-designed digital products are reportedly perfect for professionals keen on making their job applications stand out. It is mostly designed to suit particular sectors such as real estate or marketing.
After all, a well-structured resume could be the golden ticket to someoneâs dream job â like one of these low stress jobs that pay well without a degree.
However, in my personal experience, the most successful templates are clean, professional, and neutral in color.
22. Invoice templates
You might think that cashing in invoice templates may seem odd, but these digital products offer ample sales potential on Etsy!
Their charm lies in their simplicity and frequently used nature by a wide range of businesses. Small business owners, short on time and design skills, frequently scout Etsy for professionally designed, eye-catching invoices â duly making it your prime market.
Transform invoice templates into a goldmine, with less likelihood of running into steep competition. With an average selling price of $10, you can surely earn money online quickly.
23. Website templates & themes
Are your web design skills a cut above the rest?
Leveraging your skills to create and sell website templates and themes on Etsy, and turn your talent into a tidy profit. This digital product must be customization-friendly with a range of applications, and cater to a broad audienceâfrom small businesses to in-demand bloggers, giving them a sleek, professional online presence minus the design headache.
Begin by focusing on creating templates on popular website-building platforms like WordPress with a Kadence WP Theme. Make sure they serve a specific market, like photography websites or eCommerce stores, and ensure your products have unique, eye-catching designs that set them apart from the sea of competitors.
Remember, if your themes and templates are more unique and tailored. You can command, sometimes get a range of your product to $50.
24. Stickers
Stickers, both physical and digital stickers, are hot commodities on Etsy, cozily nestled among the platformâs top-selling items.
It also appeals to a large market spectrum, from social media users who love accentuating their chats with digital stickers, to fans of physical stickers decorating their belongings.
Remember, one major selling point is the editability of digital stickers, enabling customers to customize after purchase. Dial your creativity, pick a distinct theme, and roll out your sticker sets on Etsy â thereâs a world waiting to stick onto your designs!
25. Bookmarks
Feeling bookish? Get your create-on and cash in on the thriving trend of selling digital bookmarks on Etsy.
Digital bookmarks, at a modest cost of $2 â $3 a pop, are gaining popularity as one of the easiest and fastest-selling digital products, thanks to their charm, practicality, and customized appeal.
Create an aesthetic touch on your reading escapades by hitting the serious tribe of bookworms. To amp up your sales and earn money quickly, donât forget to add âpersonalizationâ options to your bookmarks.
26. Editable flyers
As demands surge, these feature-rich editable flyers become ideal for crafty entrepreneurs aiming to make a profit.
Most of your clients will be large markets comprising event organizers, business owners, and individuals who find convenience in ready-made editable materials.
Success in selling editable flyers on Etsy lies in understanding your target clienteleâs needs, creating versatile and appealing designs, and offering top-notch quality. Kickstart your venture by preparing a wide range of attractive editable flyers.
27. Menu templates
Fresh out of the oven, menu templates are popular with restaurant owners to party planners who crave these editable, print-ready goodies.
These menu templates are flexible and can be tailored for cafes, restaurants, weddings, and even small business events. Therefore, begin by creating captivating designsâuniqueness sells and is editable for everyone who wants to customize it.
So preheat your digital oven â itâs time to serve up some mouth-watering menu templates on Etsy.
28. Gift tags
Digital gift tags on Etsy could light up your entrepreneurial path. With an average selling price of $5, these little printables have a big demand, particularly for special occasions like weddings and birthdays.
Ideal for individuals and businesses, this product can fit a myriad of needs from Christmas presents to childrenâs party favors. If you want to maximize your profits, focus on offering a wide range of designs that target different occasions and tastes.
Donât forget to consider making a customization service that gives your customers a chance to tweak and add their personal touches.
29. Ebook Templates
Ebook templates have emerged as one of the most popular digital products on Etsy.
Beyond individual ebooks, sellers also offer a variety of creatively designed ebook templates, ebook covers, and materials for childrenâs books. With a target audience interested in arts and crafts, informative ebooks offer exceptional sales potential, especially those that provide professional knowledge in specific niches like graphic design or online money-making tips.
e-Printables Free ebook
Curious about selling printables on Etsy but donât know where to start?
Get the secret list of best-selling products by month and learn you how to capitalize on seasonal trends to make sales.
Download Now
30. Fitness Trackers
Fitness trackersâ popularity is booming as they cater to a wide array of tracking necessities beyond just gym visits or step counting.
This product helps monitor weight loss programs, home workout plans, and 30-day challenges, effectively, becoming a one-stop-shop for holistic wellness.
They are ideal for those aiming to enhance their fitness, sleep quality, and overall productivity. With an average selling price of $5, they offer an affordable solution to digital tracking needs.
31. Debt Payoff Trackers
Debt payoff trackers are fundamental tools for efficient financial management and debt reduction. They provide a concrete visual of oneâs financial obligations and illustrate the progress made toward extinguishing each debt.
This encourages a consistent habit of payment and propels individuals towards financial freedom. However, cost should not be a barrier to good financial habits, which is why our website offers a wide range of high-quality debt payoff trackers completely free of charge.
While these are still popular on Etsy, you have to realize many people want free or extremely cheap.
32. SVG Files for Cutting Machines
Scalable Vector Graphic (SVG) files for cutting machines like Circut or Silhouette, are a crafterâs dream, making them a top-tier product to sell.
You can elevate your service by including a PDF tutorial or short video guide demonstrating the use of your product.
Ensure the functionality of your products by carrying out tests prior to listing.
33. Personalized Recipe Books
Being a foodieâs ultimate treasure, these recipe collections are perfect to tickle the taste buds of amateur cooks or pro food bloggers. Plus you can create recipe book templates to be used in Goodnotes or Notability.
Cultivate your online presence to spice up the sales of your digital recipe books.
From personal experience, I bought a digital recipe book because I didnât want to create one myself.
34. Budget Planners
Budget planners are soaring in popularity, with these nifty tools averaging quite a tidy sum of $5-20 each. Its powerful design is both lucrative for sellers and beneficial for buyers.
In an increasingly digital world, these planners provide a seamless way to stay and stick on top of your finances. From the ordinary individual aspiring to save a penny or two to the business owner meticulously monitoring their profits and expenses. Some budget planner pros, like FRGLMAMA, have made over 60,000 sales!
Hereâs a pro tip: Increase your profits by bundling your budget binder with envelopes and to-do lists. Users love the convenience and it saves them a search.
35. Wall Art
Calling all artists and designers with flair! Wall Art reigns supreme on Etsy â proving itâs not just a âdabblingâ industry, but a potential goldmine.
Remember, the âHome Sweet Homeâ and âBe Kindâ style arts still hold their charm! Maximizing profits can entail providing add-on services such as printing and shipping.
Wall art downloads make great posters, especially for those who prefer to change up their decor often.
36. Gratitude Journal
Gratitude journals, with their guided prompts and questions, make hot picks for those striving for self-improvement or simply savoring the good in life. This little gem, flourishing in popularity, provides a thoughtful juncture for folks to reflect on the positive aspects of their lives.
This digital product is tailored for therapists, life coaches, stressed corporate followers, or anyone looking to light up their lives with gratitude.
Make sure to use keywords related to gratitude and journaling in your product description to maximize visibility.
37. Self Improvement Printables
People love these printables for their blend of practicality and inspiration by giving actionable tips, uplifting affirmations, useful trackers, and more.
These self-improvement printables are timely digital products that strike a chord with a growing audience keen on personal growth, self-care, and organization.
This product is perfect for those seeking self-help workbooks, motivational quotes, fitness planners, and even kid-friendly educational materials.
Is selling digital products on Etsy still profitable?
According to legions of online entrepreneurs, the answer is a resounding YES!
As the market for digital products keeps on growing, so does the profit potential for digital sellers on Etsy.
The startup costs are delightfully low â most of what youâre paying is merely for your productâs licensing and Etsy fees. After that, itâs all pure profit!
This method could be your ticket to financial freedom. So if youâre a creative at heart with a knack for producing digital gems, itâs high time you join the Etsy bandwagon to sell your valuable creations.
Etsy passive income isnât just a haven for handcrafted goods â itâs also a hub for downloadable products from design templates to educational materials.
e-Printables Free ebook
Curious about selling printables on Etsy but donât know where to start?
Get the secret list of best-selling products by month and learn you how to capitalize on seasonal trends to make sales.
Download Now
Now, What Digital Downloads to Sell on Etsy?
By now, youâve embarked on an enlightening journey around the process of selecting digital products to sell. You have digested tips, explored examples, and refined your knowledge regarding your market, skills, and customer desires to ensure profitability.
So, letâs cut to the chase, find your product that fits the mold, craft an appealing product description, price it competitively yet profitable, and start making waves with your expertise in the digital market.
By coupling this post with the free training offered, you could be the next seller with digital products that are the next hotcake on Etsy! Will you be the next Etsy seller to learn how to make 10k a month?
Take your first step towards this entrepreneurial journey, and soon enough you could be reaping the sweet profits of your digital endeavor.
Now, start your listings and remember to believe what you have to offer is worth buying.
E-Printables Course
Are you ready to start selling on Etsy? Great!
Now, learn from the experts, so you are successful from the start. Learn everything else that goes into actually making money with this side hustle.
Spend time making products that have the best chance of selling.
Making printables is FUN, but it’s even more fun when it’s PROFITABLE!
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