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#383a42;line-height:80px;position:relative;z-index:2;font-weight:600}.c-siteAccordionMenu.c-sitePrimaryMenu_subNav{position:fixed;top:0;bottom:0}.c-siteAccordionMenu_content{width:100%;max-height:100%;overflow:auto}.c-siteAccordionMenu_content::after{content:"";padding-bottom:2rem;display:block}.c-siteAccordionMenu_section .c-siteAccordionMenu_item{opacity:0;visibility:hidden;max-height:0;line-height:20px;margin:0;transition:opacity .3s ease,max-height .3s .3s ease,margin .3s .3s ease,visibility 0s .3s}.c-siteAccordionMenu_section.is-expanded{border-bottom:1px solid #383a42}.c-siteAccordionMenu_section.is-expanded .c-siteAccordionMenu_sectionToggle>svg{transform:rotateX(180deg)}.c-siteAccordionMenu_section.is-expanded .c-siteAccordionMenu_item{visibility:visible;max-height:80px;margin:2rem 0;opacity:1;transition:opacity .3s .3s ease,max-height .3s ease,margin .3s ease}.c-siteAccordionMenu_item{color:#fff;font-size:13px;padding:0 calc(2rem/2)}.c-siteAccordionMenu_item small{font-size:inherit;font-weight:400}.c-siteAccordionMenu_item small::before{content:" | "}.c-siteAccordionMenu_itemArrowIcon{width:15px;height:13px;vertical-align:middle;margin-left:5px;fill:#fff}.c-siteAccordionMenu_item:hover{color:#3f8eff}.c-siteAccordionMenu_item:hover svg{fill:#3f8eff}.c-siteAccordionMenu_link{-webkit-tap-highlight-color:rgba(0,0,0,0);display:block;color:inherit}.c-siteAccordionMenu_link:hover{color:#3f8eff}.c-siteAccordionMenu_closeButton{border-bottom:1px solid #383a42;line-height:46px;padding:0 calc(2rem/2);cursor:pointer;display:block;text-align:right;box-sizing:border-box;-webkit-tap-highlight-color:rgba(0,0,0,0)}.c-siteAccordionMenu_closeButton>svg{width:17px;height:17px;fill:#fff;vertical-align:middle}.c-siteAccordionMenu_closeButton:hover>svg{fill:#3f8eff}.c-siteAccordionMenu_sectionToggle{position:relative;border-bottom:1px solid #383a42;padding:0 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.c-dynamicHeader_title{font-size:3rem;line-height:3.25rem;margin:0;padding:0;text-transform:initial;border:none}@media(max-width: 767px){.c-dynamicHeader_title{font-size:2.25rem;line-height:2.75rem}}.c-dynamicHeader_desc{width:65%}@media(max-width: 767px){.c-dynamicHeader_desc{width:100%}} .c-listingCarouselHorizontal{border-top:1px solid #080a12}@media(min-width: 1024px){.c-listingCarouselHorizontal{width:100%}}@media(min-width: 768px){.c-listingCarouselHorizontal_loadingIndicator{width:100%;height:4.8px;display:block;position:relative;background:#fff;overflow:hidden}}.c-listingCarouselHorizontal_loadingIndicator::after{content:""}@media(min-width: 768px){.c-listingCarouselHorizontal_loadingIndicator::after{box-sizing:border-box;width:0;height:4.8px;background:#d0ff4b;position:absolute;top:0;left:0;animation:animFw 10s linear infinite}}@keyframes animFw{0%{width:0}100%{width:100%}}.c-listingCarouselHorizontal 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.VueCarousel-inner--center { justify-content: center; } .VueCarousel-slide { flex-basis: inherit; flex-grow: 0; flex-shrink: 0; user-select: none; backface-visibility: hidden; -webkit-touch-callout: none; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); outline: none; } .VueCarousel-slide-adjustableHeight { display: table; flex-basis: auto; width: 100%; } .c-cmsImage{display:block;width:100%;background:rgba(0,0,0,.05)}.c-cmsImage img{display:block;width:100%;height:auto}.c-cmsImage img[src=""]{visibility:hidden} .c-dynamicListing_listing h3{margin:0}@media(min-width: 1024px){.c-dynamicListing_listing h3{margin:0 0 1.5rem}} .c-listingLatest{position:relative}.c-listingLatest_heading{margin:.5rem 0 0 0}.c-listingLatest_item{padding:1rem 0;border-bottom:1px solid #e1e0e3}.c-listingLatest_item:nth-child(9){border-bottom:none}.c-listingLatest_itemLink{display:block;font-size:1rem;line-height:1.375rem;color:#080a12;font-weight:600}.c-listingLatest_itemLink:hover{color:#0058d5}.c-listingLatest_pubDate{font-size:.813rem;color:#505259}.c-listingLatest .c-listingLatest_showAll{margin-bottom:1.5rem;margin-right:0}.c-listingLatest .c-listingLatest_showAll svg{display:inline-block;width:15px;height:13px;vertical-align:middle;margin-left:10px}@media(min-width: 1024px){.c-listingLatest_heading{margin:1.5rem 0}.c-listingLatest_item{padding:1.5rem 0}.c-listingLatest_item:nth-child(1){padding-top:0}} .c-listingFiveStory_heading{grid-gap:1.25rem}.c-listingFiveStory_heading .c-sectionHeading{border:none;margin-bottom:.5rem}@media(min-width: 1024px){.c-listingFiveStory_heading .c-sectionHeading{margin-bottom:1.5rem}}.c-listingFiveStory_titleWrapper{grid-gap:0;margin-bottom:1.5rem}@media(min-width: 1024px){.c-listingFiveStory_titleWrapper{flex-direction:row;align-items:center;grid-gap:1.25rem;margin-bottom:0}}.c-listingFiveStory_seeAll{margin-left:auto;font-size:.813rem;font-weight:400;color:#080a12;grid-gap:.25rem}.c-listingFiveStory_seeAll-topic{display:none}@media(min-width: 1024px){.c-listingFiveStory_seeAll-topic{display:inline}}.c-listingFiveStory_seeAll svg{width:1rem;aspect-ratio:1}.c-listingFiveStory_seeAll:hover{color:#0058d5}.c-listingFiveStory_seeAll:hover svg{fill:#0058d5}.c-listingFiveStory_container{margin-bottom:1.5rem}@media(min-width: 768px){.c-listingFiveStory_container{flex-direction:row;gap:0 1.5rem;margin-bottom:2rem}}.c-listingFiveStory_first-item-container,.c-listingFiveStory_additional-items-container{width:100%}@media(min-width: 768px){.c-listingFiveStory_first-item-container,.c-listingFiveStory_additional-items-container{width:50%}}.c-listingFiveStory_additional-items-container{display:grid;gap:1rem;grid-template-columns:1fr 1fr}@media(min-width: 768px){.c-listingFiveStory_additional-items-container{gap:1.5rem}}.c-listingFiveStory_image{display:block;width:100%}.c-listingFiveStory_item{position:relative;color:#080a12;flex-direction:column}.c-listingFiveStory_item span{color:inherit;font-size:1rem;line-height:1.375rem;margin-bottom:0}.c-listingFiveStory_item--first span{margin-bottom:.5rem}@media(min-width: 768px){.c-listingFiveStory_item--first span{font-size:2.25rem;line-height:2.275rem}}.c-listingFiveStory_item:hover{color:#0058d5}.c-listingFiveStory_item:hover img{opacity:.8} .c-listingDefault_itemLink{color:#080a12}.c-listingDefault_author,.c-listingDefault_topic{color:#080a12}.c-listingDefault_author:hover,.c-listingDefault_topic:hover{color:#0058d5}.c-listingDefault .u-grid-columns{grid-template-columns:1fr 4fr}@media(min-width: 768px){.c-listingDefault .u-grid-columns{grid-template-columns:2fr 4fr}}@media(min-width: 768px){.c-listingDefault_title{font-size:1.375rem;line-height:1.75rem;padding-top:5px}}.c-listingDefault_description{display:none;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden;color:#080a12}@media(min-width: 768px){.c-listingDefault_description{display:-webkit-box}}.c-listingDefault_itemImage{margin-top:5px}.c-listingDefault_item:hover .c-listingDefault_itemImage{opacity:.9}.c-listingDefault_item:hover .c-listingDefault_title{color:#0058d5}.c-listingDefault_pubDate:hover{color:#080a12} .c-loadMoreButton_svg{display:inline-block}.c-loadMoreButton_svg svg{display:inline-block;width:15px;height:13px;vertical-align:middle;margin-left:10px;transform:rotate(90deg)}.c-loadMoreButton_link{height:64px;display:flex;justify-content:center;align-items:center;margin:auto;max-width:416px;width:100%}.c-loadMoreButton_text{display:inline-block} .c-globalSticky{display:initial;overflow:initial;flex:1;margin-bottom:calc(var(--mpu-margin-bottom, 0)*1px)}.c-globalSticky:last-child{margin-bottom:0}.c-globalSticky:nth-child(1 of .c-globalSticky){padding-top:calc(var(--first-elem-padding-top, 0)*1px)}.c-globalSticky_element{position:sticky;top:calc(var(--toc-height, 200px) + var(--toc-top-margin-sticky, 0px) + 32px)} .c-siteFooter{z-index:1;position:relative;background:#20222a;overflow:hidden}.c-siteFooter .c-siteFooter_background{width:0}.c-siteFooter .c-siteFooter_background img[src=""]{opacity:0}.c-siteFooter .c-siteFooter_background img{transition:opacity 1s ease;opacity:1;object-fit:cover;position:absolute;width:100%;height:100%;left:0;top:0}@media(min-width: 1024px){.c-siteFooter{padding:0 3rem 3rem 3rem}}.c-siteFooter_container{position:relative}.c-siteFooter_logoLink{display:block}.c-siteFooter_logo{left:50%;margin-left:-50vw;right:50%;margin-right:-50vw;max-width:100vw;position:relative;width:100vw;fill:#fff;aspect-ratio:814/150}@media(min-width: 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class="c-listingLatest_pubDate">2 months ago</span></div><div class="c-listingLatest_item"><a href="/article/3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens/" class="c-listingLatest_itemLink"> 3 banks plan to retire one-time passwords for customers with digital tokens </a> <span class="c-listingLatest_pubDate">4 months ago</span></div><div class="c-listingLatest_item"><a href="/article/banks-ai-tool-identifies-stock-buys-based-on-users-risk-appetite/" class="c-listingLatest_itemLink"> Bank's AI tool identifies stock buys based on user's risk appetite </a> <span class="c-listingLatest_pubDate">5 months ago</span></div><div class="c-listingLatest_item"><a href="/article/banks-in-singapore-begin-sharing-data-to-combat-financial-crime/" class="c-listingLatest_itemLink"> Banks in Singapore begin sharing data to combat financial crime </a> <span class="c-listingLatest_pubDate">7 months ago</span></div><div class="c-listingLatest_item"><a href="/article/best-budget-app/" class="c-listingLatest_itemLink"> The best budgeting apps: Find the Mint alternative that's right for you </a> <span class="c-listingLatest_pubDate">1 year ago</span></div> </div></div></div></div></div><div class="lg:u-col-12 md:u-col-6 sm:u-col-2"><div class="lg:u-col-12 md:u-col-6 sm:u-col-2"><div class="c-featureDynamicAd" style="grid-column:span 12;"><div class="c-adDisplay_container c-adDisplay_container_incontent-ad-plus spaced blank"></div></div></div><div class="lg:u-col-12 md:u-col-6 sm:u-col-2"><div class="lg:u-col-12 md:u-col-6 sm:u-col-2"><div section="dynamic-topic-five-story-feature-latest-offset-5" class="c-FiveStoryFeature" style="grid-column:span 12;"><div class="c-listingFiveStory"><div class="c-listingFiveStory_heading g-border-thin-dark-top u-flexbox u-flexbox-alignCenter"><div class="c-listingFiveStory_titleWrapper u-flexbox-column"> </div> </div> <div class="c-listingFiveStory_container u-flexbox-column u-flexbox-justifyBetween u-flexbox-alignFlexStart .g-outer-spacing-bottom-medium"><div class="c-listingFiveStory_first-item-container"><a href="/article/singapore-mandates-face-authentication-for-higher-risk-bank-transactions/" class="c-listingFiveStory_item u-flexbox c-listingFiveStory_item--first"><div class="c-listingFiveStory_image g-outer-spacing-bottom-xsmall"><picture class="c-cmsImage" style="aspect-ratio:1600/900;"> <img src alt="woman looking at banking transaction on mobile" width="1600" height="900" fetchpriority="low"></picture></div> <span class="g-text-small-bold"> Singapore mandates face authentication for 'higher risk' bank transactions </span> <p class="c-listingFiveStory_description g-text-xsmall">The move comes amid growing phishing attacks targeting the financial services sector; most impacted by brand impersonation scams.</p></a></div> <div class="c-listingFiveStory_additional-items-container"><a href="/article/3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens/" 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href="/article/banks-in-singapore-begin-sharing-data-to-combat-financial-crime/" class="c-listingFiveStory_item u-flexbox c-listingFiveStory_item--additional"><div class="c-listingFiveStory_image g-outer-spacing-bottom-xsmall"><picture class="c-cmsImage" style="aspect-ratio:1200/675;"> <img src alt="global-data-gettyimages-1337196402" width="1200" height="675" fetchpriority="low"></picture></div> <span class="g-text-small-bold"> Banks in Singapore begin sharing data to combat financial crime </span></a><a href="/article/best-budget-app/" class="c-listingFiveStory_item u-flexbox c-listingFiveStory_item--additional"><div class="c-listingFiveStory_image g-outer-spacing-bottom-xsmall"><picture class="c-cmsImage" style="aspect-ratio:1200/675;"> <img src alt="Shot of a young man using a smartphone while going over his finances at home" width="1200" height="675" fetchpriority="low"></picture></div> <span class="g-text-small-bold"> The best budgeting apps: Find the Mint alternative that's right for you </span></a></div></div></div></div></div><div class="g-grid-container u-grid-columns"><div class="lg:u-col-8 md:u-col-6 sm:u-col-2"><div section="dynamic-topic-river-alt-latest-offset-10" class="c-featureDefaultListing" style="grid-column:span 8;"> <div element-type="default-listing" class="c-listingDefault"> <div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/singapore-mandates-face-authentication-for-higher-risk-bank-transactions/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage c-cmsImage_loaded" style="aspect-ratio:306/172;"><source media="(max-width: 767px)" srcset="https://www.zdnet.com/a/img/resize/aa2406271534696e561f21cc93b879b8d75bb5a4/2024/09/18/f0f638a3-c567-41e1-9c36-5e86f60da1d7/mobile-bank-oscar-wong092024.jpg?auto=webp&fit=crop&frame=1&height=102&width=196" alt="woman looking at banking transaction on mobile"><source media="(max-width: 1023px)" srcset="https://www.zdnet.com/a/img/resize/5b6bab520a824e18e4144e6916b3b22770fe396d/2024/09/18/f0f638a3-c567-41e1-9c36-5e86f60da1d7/mobile-bank-oscar-wong092024.jpg?auto=webp&fit=crop&frame=1&height=234&width=416" alt="woman looking at banking transaction on mobile"><source media="(max-width: 1440px)" srcset="https://www.zdnet.com/a/img/resize/fc807202234d9d1266687cbd37ee0b2d4062f310/2024/09/18/f0f638a3-c567-41e1-9c36-5e86f60da1d7/mobile-bank-oscar-wong092024.jpg?auto=webp&fit=crop&frame=1&height=172&width=306" alt="woman looking at banking transaction on mobile"> <img src="https://www.zdnet.com/a/img/resize/fc807202234d9d1266687cbd37ee0b2d4062f310/2024/09/18/f0f638a3-c567-41e1-9c36-5e86f60da1d7/mobile-bank-oscar-wong092024.jpg?auto=webp&fit=crop&frame=1&height=172&width=306" alt="woman looking at banking transaction on mobile" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/singapore-mandates-face-authentication-for-higher-risk-bank-transactions/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> Singapore mandates face authentication for 'higher risk' bank transactions </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> The move comes amid growing phishing attacks targeting the financial services sector; most impacted by brand impersonation scams. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">2 months ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/security/" class="g-text-bold c-listingDefault_topic"> Security </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage c-cmsImage_loaded" style="aspect-ratio:306/172;"><source media="(max-width: 767px)" srcset="https://www.zdnet.com/a/img/resize/4d339954158c60f84fed01fe0556eb1e724000c5/2024/07/09/aa44a0b2-71f8-464e-a3d0-87a415f9bbcf/security-otp-hirun072024.jpg?auto=webp&fit=crop&frame=1&height=102&width=196" alt="OTP on phone with laptop in background"><source media="(max-width: 1023px)" srcset="https://www.zdnet.com/a/img/resize/0d643ee204c400594af07f5101314cf30df0cf57/2024/07/09/aa44a0b2-71f8-464e-a3d0-87a415f9bbcf/security-otp-hirun072024.jpg?auto=webp&fit=crop&frame=1&height=234&width=416" alt="OTP on phone with laptop in background"><source media="(max-width: 1440px)" srcset="https://www.zdnet.com/a/img/resize/1d1fa7f2738310d176c181f7b5706983403d6e8d/2024/07/09/aa44a0b2-71f8-464e-a3d0-87a415f9bbcf/security-otp-hirun072024.jpg?auto=webp&fit=crop&frame=1&height=172&width=306" alt="OTP on phone with laptop in background"> <img src="https://www.zdnet.com/a/img/resize/1d1fa7f2738310d176c181f7b5706983403d6e8d/2024/07/09/aa44a0b2-71f8-464e-a3d0-87a415f9bbcf/security-otp-hirun072024.jpg?auto=webp&fit=crop&frame=1&height=172&width=306" alt="OTP on phone with laptop in background" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> 3 banks plan to retire one-time passwords for customers with digital tokens </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> The move to phase out OTP authentication is part of efforts by Singapore's financial institutions to safeguard against phishing. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">4 months ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/security/" class="g-text-bold c-listingDefault_topic"> Security </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/banks-ai-tool-identifies-stock-buys-based-on-users-risk-appetite/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="ocbc-securities-oscar042024" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/banks-ai-tool-identifies-stock-buys-based-on-users-risk-appetite/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> Bank's AI tool identifies stock buys based on user's risk appetite </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> Trained on data from stock exchanges in three markets, the Singapore bank's AI platform predicts price movements and generates stock picks based on a user's personal risk profile and trading patterns. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">5 months ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/artificial-intelligence/" class="g-text-bold c-listingDefault_topic"> Artificial Intelligence </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/banks-in-singapore-begin-sharing-data-to-combat-financial-crime/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="global-data-gettyimages-1337196402" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/banks-in-singapore-begin-sharing-data-to-combat-financial-crime/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> Banks in Singapore begin sharing data to combat financial crime </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> Six banks will share customer data deemed suspicious in a bid to fight money laundering and terrorism financing activities. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">7 months ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/security/" class="g-text-bold c-listingDefault_topic"> Security </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/best-budget-app/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="Shot of a young man using a smartphone while going over his finances at home" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/best-budget-app/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> The best budgeting apps: Find the Mint alternative that's right for you </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> Mint may be gone, but there are still many great budget apps that promise to help you set financial goals and save money. We tested that promise to find out which are the best ones. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">1 year ago</span> by <a href="/meet-the-team/maria-diaz/" class="g-text-bold c-listingDefault_author"> Maria Diaz </a> in <a href="/topic/services-software/" class="g-text-bold c-listingDefault_topic"> Services & Software </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/equinixs-data-center-system-upgrade-results-in-hours-long-disruption-at-banks/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="Data center room" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/equinixs-data-center-system-upgrade-results-in-hours-long-disruption-at-banks/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> Equinix's data center system upgrade results in hours-long disruption at banks </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> A glitch in a scheduled 'chilled water system' upgrade disrupted operations for Equinix's data center customers, including two banks in Singapore. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">1 year ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/data-centers/" class="g-text-bold c-listingDefault_topic"> Data Centers </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/asian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="colorful laptop" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/asian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> Asian banks are a favorite target of cybercrooks, and malicious bots their preferred tool </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> Asia-Pacific is the second-most targeted region for malicious bot requests against financial services, with global hubs Singapore, Australia, and Japan the region's top three most targeted, accounting for the bulk of web application and API attacks. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">1 year ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/security/" class="g-text-bold c-listingDefault_topic"> Security </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/its-2030-and-digital-wallets-have-replaced-every-card-in-our-purses-and-pockets/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="walletygettyimages-1461360968" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/its-2030-and-digital-wallets-have-replaced-every-card-in-our-purses-and-pockets/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> It's 2030, and digital wallets have replaced every card in our purses and pockets </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> OpenWallet, now joined by Microsoft, looks to the near future when digital wallets replace traditional wallets in the same way debit cards replaced checkbooks. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">1 year ago</span> by <a href="/meet-the-team/steven-vaughan-nichols/" class="g-text-bold c-listingDefault_author"> Steven Vaughan-Nichols </a> in <a href="/topic/finance/" class="g-text-bold c-listingDefault_topic"> Finance </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/banks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="business-on-security-thumb.jpg" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/banks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> Banks defending their right to security are missing the point about consumer trust </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> When businesses override a customer's security decision, does it make them fully liable when a breach occurs? That's a question banks like those in Singapore need to consider before they roll out their next security feature. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">1 year ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/security/" class="g-text-bold c-listingDefault_topic"> Security </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/this-banks-new-app-security-feature-irks-customers/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="Padlock on credit cards" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/this-banks-new-app-security-feature-irks-customers/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> This bank's new app security feature irks customers </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> OCBC introduces a security feature that locks out access if it detects mobile apps downloaded from unofficial app stores on the user's phone. The bank cites the need to safeguard against malware, but is instead frustrating customers. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">1 year ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/security/" class="g-text-bold c-listingDefault_topic"> Security </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/human-coding-error-identified-as-cause-of-digital-bank-service-outage/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="Coding 1s and 0s" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/human-coding-error-identified-as-cause-of-digital-bank-service-outage/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> Human coding error identified as cause of digital bank service outage </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> The coding error in a software used for system maintenance had resulted in DBS Bank's hours-long service outage in May, but unrelated to another outage in March. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">1 year ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/security/" class="g-text-bold c-listingDefault_topic"> Security </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/amazon-to-test-escrow-service-in-digital-money-pilot/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="Abstract colorful finance chart" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/amazon-to-test-escrow-service-in-digital-money-pilot/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> Amazon to test escrow service in digital money pilot </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> The e-commerce giant will work with fintech players on a trial to test the use of "purpose-bound" digital money, where merchants will receive payment only after customers receive their purchases. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">1 year ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/banking/" aria-current="page" class="g-text-bold c-listingDefault_topic nuxt-link-exact-active nuxt-link-active"> Banking </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/this-data-platform-will-help-banks-share-criminal-intelligence/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="Data" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/this-data-platform-will-help-banks-share-criminal-intelligence/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> This data platform will help banks share criminal intelligence </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> Singapore is developing a digital platform to enable six major banks, including Citibank and Standard Chartered, to exchange data on customers involved in potentially illegal financial activities. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">1 year ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/security/" class="g-text-bold c-listingDefault_topic"> Security </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/jack-ma-to-cede-control-of-alibabas-fintech-business-in-shareholder-revamp/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="digital-banking-fintech-concept-finance.jpg" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/jack-ma-to-cede-control-of-alibabas-fintech-business-in-shareholder-revamp/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> Jack Ma to cede control of Alibaba's fintech business in shareholder revamp </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> Ant Group says Alibaba Group's founder Jack Ma will no longer have controlling voting rights over the fintech company following the completion of changes to improve governance and transparency. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span class="c-listingDefault_pubDate">1 year ago</span> by <a href="/meet-the-team/eileen-yu/" class="g-text-bold c-listingDefault_author"> Eileen Yu </a> in <a href="/topic/finance/" class="g-text-bold c-listingDefault_topic"> Finance </a></div></div></div> </div><div class="c-listingDefault_item g-outer-spacing-bottom-large"><div class="u-grid-columns"><a href="/article/australia-beefs-up-scrutiny-of-medibank-following-data-breach/" class="c-listingDefault_itemLink"><div class="c-listingDefault_itemImage"><picture class="c-cmsImage" style="aspect-ratio:306/172;"> <img src alt="Padlock to represent computer security breach" width="306" height="172" fetchpriority="low"></picture></div></a> <div class="c-listingDefault_itemContent"><a href="/article/australia-beefs-up-scrutiny-of-medibank-following-data-breach/" class="c-listingDefault_itemLink"><h3 class="c-listingDefault_title g-text-small-bold g-outer-spacing-bottom-xsmall"> Australia beefs up scrutiny of Medibank following data breach </h3> <span class="c-listingDefault_description g-text-xsmall g-outer-spacing-bottom-small"> Financial services regulator says it has "intensified" its supervision of Medibank following a data breach that impacted 9.7 million customers and believed to be the work of Russian hackers. </span></a> <div class="g-text-xxsmall c-listingDefault_meta"><span 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the evolution of banking moving at a rapid pace, ZDNET covers the latest deals for better banking opportunities and the newest innovations in fintech."}},{id:"a492c5fe-227f-4d22-95f6-46c143a4ae9d",meta:{componentName:"a492c5fe-227f-4d22-95f6-46c143a4ae9d",componentDisplayName:"Best Products",componentType:"ContentList"},metadata:{},links:{self:{href:"https:\u002F\u002Fbender.cnetstatic.com\u002Fapi\u002Fneutron\u002Fcomponents\u002Fzdnet\u002Flisting\u002Fdynamic_listing\u002Fa492c5fe-227f-4d22-95f6-46c143a4ae9d\u002Fweb?searchBy=id&topicSlug=banking&componentType=ContentList&componentName=a492c5fe-227f-4d22-95f6-46c143a4ae9d"}},items:[{author:{id:"f224d47e-cf92-4202-ac21-d2ffc3f4e33b",username:"Michelle Honeyager",profileUrl:c,email:c,firstName:"Michelle",lastName:"Honeyager",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d93d7d77-dfb2-4de2-af93-eb169ea77864",filename:"michelle-honeyage-helios.jpg",dateCreated:{created:c,date:"2021-06-28 19:27:06",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F28\u002Fd93d7d77-dfb2-4de2-af93-eb169ea77864\u002Fmichelle-honeyage-helios.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Michelle Honeyager is a freelance writer living in Southeastern Wisconsin. She writes about a wide variety of topics, from business to tech.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EWhen you run a small business, banking is about more than just the regular banking experience. Suddenly you need to keep in mind additional features geared toward helping your small business succeed.\u003Cbr\u003E  \u003Cbr\u003E A major service banks provide to small businesses is the perks offered with certain credit cards, since cashback and mile rewards can help your business thrive. Every small bit of help towards your bottom line counts.  \u003Cbr\u003E  \u003Cbr\u003E On top of credit card offerings, you'll need to assess what types of savings and checking accounts are available, whether the bank offers loans and if the bank even helps with merchant services. Below are our top picks for the best banks for small businesses that offer these services and more.  \u003Cbr\u003E   \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1935b1c0-3fc8-4eca-80f5-d3602015dc7b\" data-edition=\"us\" data-description=\"\u003Cp\u003EChase stands out as one of the best banks for small businesses for its business credit card rewards. Certain cards offer 100,000 bonus points, and you can earn three times the points when you spend on shipping and certain business categories. Some also offer $750 bonus cash back, and you earn 5% cashback in certain business categories.\u003Cbr\u003E \u003Cbr\u003EThe company also offers a wide variety of business checking accounts that come with certain perks. For instance, the Chase Business Complete Banking option has a built-in card acceptance. You have options that allow you to waive the monthly service fee, like keeping a minimum daily balance.    \u003Cbr\u003E \u003Cbr\u003EChase also has other peripheral services, like merchant services that help you manage an eCommerce site with payment processing and help you take payment in a retail setting. You can also find a wide variety of financing options through Chase for business lending, like lines of credit, business loans, real estate lending and SBA solutions.  \u003Cbr\u003E \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros \u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EOne of the largest and most well-known banks, brick and mortar locations are everywhere.\u003C\u002Fli\u003E\u003Cli\u003EBusiness credit cards offer plenty of perks.\u003C\u002Fli\u003E\u003Cli\u003EWide variety of checking accounts and services for just about any type of business.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EA checking account comes with fees unless you keep a daily balance, like a $35,000 daily balance for the Chase Performance Business Checking account.\u003C\u002Fli\u003E\u003Cli\u003EJPMorgan Chase & Co. is the largest bank in America, which might feel too impersonal to people looking for a more local banking experience.\u003C\u002Fli\u003E\u003Cli\u003EBusiness offerings are for a wide variety of business types, so you have to know what you are looking for in an account and services.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Chase\" data-superlative=\"Generous credit card rewards\" data-imagegroup=\"{"alt":"listicle-template-example.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Shutterstock","imageData":{"id":"48aa0157-db72-402f-8ea9-c4d46a1204c9","title":"chase-bank-storefront","filename":"chase-bank-storefront.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.zdnet.com\u002Fi\u002F2021\u002F06\u002F28\u002F48aa0157-db72-402f-8ea9-c4d46a1204c9\u002Fchase-bank-storefront.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1804872,"width":1600,"height":1069,"dateCreated":{"date":"2021-06-28 19:02:02","timezone":"UTC"},"dateUpdated":{"date":"2021-06-28 19:02:04","timezone":"UTC"},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"chase-bank-storefront.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"typeName":"content_image"},"uuid":"48aa0157-db72-402f-8ea9-c4d46a1204c9","imageAltText":"listicle-template-example.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"chase-bank-storefront.jpg","imageDateCreated":"2021\u002F06\u002F28","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Shutterstock\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.chase.com\u002Fbusiness","url":"https:\u002F\u002Fwww.chase.com\u002Fbusiness"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d22a8a85-809a-4b6b-a68b-7e7ce1cadf48\" data-edition=\"us\" data-description=\"\u003Cp\u003EWells Fargo is another established, well-known bank that specifically lists out solutions for small businesses. It has a wide range of business banking solutions, like business checking, savings and CDs and a business debit card. There are no annual fees to the business debit card, and you can use it at a Wells Fargo ATM or a non-Wells Fargo ATM that has a Visa or Plus logo.  \u003Cbr\u003E \u003Cbr\u003EWells Fargo also has a wide variety of loan and credit options, like business credit cards, business lines of credit, SBA loans, commercial real estate financing and letters of credit. If you spend $3,000 in the first three months of opening the Wells Fargo Business Platinum Credit Card, you can get $300 cashback or 30,000 bonus points. You also can get 1.5% back on every $1 spent, and you get 1,000 bonus points when you spend $1,000 or more in a monthly billing period. There is also a 0% introductory rate for the first nine months. \u003C\u002Fp\u003E\u003Cp\u003EWells Fargo also has a secured credit card with no annual fee. There is also a variety of checking options to choose from to fit your business needs.\u003C\u002Fp\u003E\u003Cp\u003EThis bank also has merchant services like payment processing options. You can even choose from payroll and more services like retirement investing, making it one of the best banks for small businesses.  \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EOffers many options and services specifically for small businesses.\u003C\u002Fli\u003E\u003Cli\u003EOptions allow you to avoid pesky annual fees.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EThis is another larger bank with many different ATM and service locations.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E \u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EThis is the third-largest bank in the nation, making it another poor option for anyone looking for a small, local experience.\u003C\u002Fli\u003E\u003Cli\u003EMost perks on the business credit cards require a high degree of business spending, like $1,000 per month, with might not be a good option for businesses with very low overhead. \u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Wells Fargo\" data-superlative=\"Wide variety of loan options\" data-imagegroup=\"{"alt":"wells-fargo-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Shutterstock","imageData":{"id":"f6e8a7ae-72f5-4115-bc7c-dddcdc3ac643","title":"wells-fargo-bank","filename":"wells-fargo-bank.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.zdnet.com\u002Fi\u002F2021\u002F06\u002F28\u002Ff6e8a7ae-72f5-4115-bc7c-dddcdc3ac643\u002Fwells-fargo-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1742238,"width":1600,"height":1069,"dateCreated":{"date":"2021-06-28 19:06:02","timezone":"UTC"},"dateUpdated":{"date":"2021-06-28 19:06:04","timezone":"UTC"},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"wells-fargo-bank.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"typeName":"content_image"},"uuid":"f6e8a7ae-72f5-4115-bc7c-dddcdc3ac643","imageAltText":"wells-fargo-bank.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"wells-fargo-bank.jpg","imageDateCreated":"2021\u002F06\u002F28","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Shutterstock\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Wells Fargo","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.wellsfargo.com\u002Fbiz\u002F","url":"https:\u002F\u002Fwww.wellsfargo.com\u002Fbiz\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7832826e-1d8d-4b53-8b79-7fbb7c2de359\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe credit cards come in three main tiers, offering a 1%, 1.5% and 2% cashback respectively. All three cards have unlimited cash back, and the 1% card and 1.5% card have a $0 annual fee. The highest 2% card has a $95 annual fee after the first year. The cards have a variable APR that ranges around 25%. \u003C\u002Fp\u003E\u003Cp\u003ETwo credit card options are heavy on mile rewards, making them good if you travel for business frequently.\u003C\u002Fp\u003E\u003Cp\u003ECapital One also features merchant services to help you accept payments, monitor fraud and handle customer data insights.  \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EWide variety of credit card offerings.\u003C\u002Fli\u003E\u003Cli\u003EAdditional services like merchant services.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003E Cons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ESome places might receive the message that Capital One is still working on bringing online business banking to their area.\u003C\u002Fli\u003E\u003Cli\u003EIt's hard to find information about business checking and savings accounts online.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EThis service is mainly known for its credit cards, so you may have to check elsewhere for business loans.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Capital One\" data-superlative=\"Attractive credit card options\" data-imagegroup=\"{"alt":"capital-one-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Shutterstock","imageData":{"id":"108d5c92-04fc-4e66-8c59-1bccc46274f2","title":"capital-one-bank","filename":"capital-one-bank.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.zdnet.com\u002Fi\u002F2021\u002F06\u002F28\u002F108d5c92-04fc-4e66-8c59-1bccc46274f2\u002Fcapital-one-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1376789,"width":1600,"height":1069,"dateCreated":{"date":"2021-06-28 19:08:13","timezone":"UTC"},"dateUpdated":{"date":"2021-06-28 19:08:15","timezone":"UTC"},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"capital-one-bank.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"typeName":"content_image"},"uuid":"108d5c92-04fc-4e66-8c59-1bccc46274f2","imageAltText":"capital-one-bank.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"capital-one-bank.jpg","imageDateCreated":"2021\u002F06\u002F28","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Shutterstock\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Capital One","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.capitalone.com\u002Fsmall-business-bank\u002F","url":"https:\u002F\u002Fwww.capitalone.com\u002Fsmall-business-bank\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"823afcd8-7c8c-4f0c-aa86-9d8e4a793c7d\" data-edition=\"us\" data-description=\"\u003Cp\u003EAxos prides itself on what it calls "technology-driven finance," which the company has been doing since 2000. If online banking is a priority for your business, you might want to look into Axos as one of the best banks for small businesses.\u003Cbr\u003E&nbsp;\u003Cbr\u003EAxos is notable for its wide variety of small business banking options, like checking account options, small business savings accounts, money market accounts and small business CDs and CDARS. The company is currently running a promotion to get a $100 bonus if you incorporated your business after June 1, 2020. &nbsp;&nbsp;\u003Cbr\u003E&nbsp;\u003Cbr\u003EThe company also has a wide variety of options for commercial lending, like commercial lines of credit and commercial term loans. Additional services like treasury management and merchant services to help with payment processing round out the offerings.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAxos is very mobile and online banking heavy.\u003C\u002Fli\u003E\u003Cli\u003EThere are a wide variety of options you don't see everywhere, like business CDARS and money market accounts.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EIf you like being able to go up the street to the local branch, this isn't that sort of bank.\u003C\u002Fli\u003E\u003Cli\u003EHaving so many options for your business means you really have to do your research and know what products make sense for your type of business.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Axos\" data-superlative=\"Convenient online banking\" data-imagegroup=\"{"alt":"axos-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Shutterstock","imageData":{"id":"5d9cbb6b-5947-4f23-86d2-b568dc579f75","title":"axos-bank","filename":"axos-bank.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F06\u002F28\u002F5d9cbb6b-5947-4f23-86d2-b568dc579f75\u002Faxos-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2054709,"width":1600,"height":1069,"dateCreated":{"date":"2021-06-28 19:09:54","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-06-28 19:09:56","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"axos-bank.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"5d9cbb6b-5947-4f23-86d2-b568dc579f75","imageAltText":"axos-bank.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"axos-bank.jpg","imageDateCreated":"2021\u002F06\u002F28","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Shutterstock\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Axos","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26683505&cr=28717&last_updated=1602616656","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"abf62f93-ca6c-4758-8b7e-c01e85bc3868\" data-edition=\"us\" data-description=\"\u003Cp\u003ENovo is an all-digital banking service that focuses on the needs of small business owners, entrepreneurs and freelancers. As a service that caters to bootstrappers and those who might not have regular paychecks, the service has no monthly fees or minimum balance requirements. A major perk is that it refunds all ATM fees. It also offers free transfers, incoming wires and mailed checks.  \u003Cbr\u003E \u003Cbr\u003EIt's backed with FDIC insurance, and you can apply for an account in under 10 minutes. It also claims no hidden fees, which is a great benefit over more traditional bank experiences.  \u003Cbr\u003E \u003Cbr\u003EThe app also integrates with other business programs, like Slack, Stripe, Shopify and \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EGood low-to-no fee service.\u003C\u002Fli\u003E\u003Cli\u003EOne of the few services that caters to freelancers.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EPerfect for anyone who uses online banking exclusively, as well as digital bookkeeping and project management.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003C\u002Fp\u003E\u003Cp\u003E \u003Cbr\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENot a good option for anyone who likes physical bank locations.\u003C\u002Fli\u003E\u003Cli\u003ENovo's BBB listing has only been active since May of 2020, and the company is not BBB accredited.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EIt is just a banking app, so you would need to look elsewhere for lending options.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Novo\" data-superlative=\"Geared towards freelancers and entrepreneurs\" data-imagegroup=\"{"alt":"novo-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Novo","imageData":{"id":"92fb4e9b-39a6-44d5-be14-ca9e41c0890e","title":"novo-bank","filename":"novo-bank.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.zdnet.com\u002Fi\u002F2021\u002F06\u002F28\u002F92fb4e9b-39a6-44d5-be14-ca9e41c0890e\u002Fnovo-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":53151,"width":685,"height":502,"dateCreated":{"date":"2021-06-28 19:11:33","timezone":"UTC"},"dateUpdated":{"date":"2021-06-28 19:11:35","timezone":"UTC"},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"novo-bank.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"typeName":"content_image"},"uuid":"92fb4e9b-39a6-44d5-be14-ca9e41c0890e","imageAltText":"novo-bank.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Novo","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"novo-bank.jpg","imageDateCreated":"2021\u002F06\u002F28","imageWidth":685,"imageHeight":502,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Novo\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Novo","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fbanknovo.com\u002F","url":"https:\u002F\u002Fbanknovo.com\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2b08bfeb-d64b-4996-af31-6ba10faa86e1\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen looking at the best banking service, we kept in mind which banks were the most well-known and established. Then we looked at the variety of offerings.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhen searching for the best banks for small businesses, we considered:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECredit cards that meet small business needs&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E&nbsp;Amount of savings and checking options specifically for small businesses\u003C\u002Fli\u003E\u003Cli\u003EThe types of fees a small business owner would have to pay\u003C\u002Fli\u003E\u003Cli\u003EWhich loans and other lending options the bank offered to small businesses&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EWhether the bank specifically listed small business solutions on its website&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EWhat types of small businesses the service supported, like whether they were for more traditional small businesses or freelancers\u002Fsole proprietors&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWell-established banks with a wide variety of product offerings for small businesses tended to make the list, with smaller additions for banks that have a comprehensive online experience or catered to specific types of small business owners that others didn't. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"How did we choose these banks?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0760bd07-eb55-4bba-946b-788f15bf8f95\" data-edition=\"us\" data-description=\"\u003Cp\u003ETake a look at our recommendations for the best banks for small businesses based on which services are important to you. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003E&nbsp;\u003Cstrong\u003EPhysical locations:\u003C\u002Fstrong\u003E&nbsp;Chase and Wells Fargo are the best choices if you want the kind of banking experience where you can find a physical location right up the road in most cases. Chase and Wells Fargo both have thousands of branch locations across the U.S. &nbsp;\u003Cbr\u003E &nbsp;\u003Cbr\u003E \u003Cstrong\u003ECredit card rewards:\u003C\u002Fstrong\u003E&nbsp;Capital One is known for its flexible credit card offerings. Chase and Wells Fargo also have good rewards on their credit cards.\u003Cbr\u003E &nbsp;\u003Cbr\u003E \u003Cstrong\u003EComprehensive online banking experience:&nbsp;\u003C\u002Fstrong\u003EIf online banking is for you, choose Axos or Novo, both of which focus on technology-centered banking.\u003Cbr\u003E &nbsp;\u003Cbr\u003E \u003Cstrong\u003ELow-to-no fees:\u003C\u002Fstrong\u003E&nbsp;Novo stands out as a banking app that advertises low-to-no fees and no hidden fees.\u003Cbr\u003E &nbsp;\u003Cbr\u003E \u003Cstrong\u003EWide variety of checking and savings account options:\u003C\u002Fstrong\u003E&nbsp;Chase, Wells Fargo and Axos are notable for their small business CDs. Chase has a truly wide variety of checking and savings options, however. &nbsp;\u003Cbr\u003E &nbsp;\u003Cbr\u003E \u003Cstrong\u003ELoan needs:\u003C\u002Fstrong\u003E&nbsp;Wells Fargo stands at the top of the list for a wide variety of loan options, including SBA loans, like the SBA 7(a) loan. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"Which bank is right for you?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"40a8d492-32c6-49fd-ab88-cb971a53648e\" data-edition=\"us\" data-description=\"\u003Cp\u003ELook at which services seem the most appropriate for the way you conduct business. For instance, if you are a sole proprietorship with low expenses, accounts that have high monthly balances and transaction requirements to get rewards won't be the best product for you.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EHowever, if you have a high amount of transactions and a high monthly balance, those accounts would make sense. As another example, if you have a retail part of your business, also look into a bank that offers merchant services. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"How to decide which bank to choose\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"85686ac4-fa2b-4467-974e-a1cc8275fcaf\" data-edition=\"us\" data-description=\"\u003Cp\u003ESmall business banking takes the needs of small businesses into account. It offers different services and perks that are more applicable to small businesses, like some banks offer POS merchant services support. Other services are tailored to small business uses, like rewards and cashback are set up to take into account a high volume of transactions or higher monthly balances than an individual would have. \u003C\u002Fp\u003E\u003Cp\u003EYou will especially look into small business banking solutions if you need loan options, like an SBA loan.\u003Cbr\u003E \u003C\u002Fp\u003E\" data-hed=\"What is the difference between small business banking and regular banking services?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a3f78dbf-28aa-48c9-9145-ea0e2b1b3680\" data-edition=\"us\" data-description=\"\u003Cp\u003E Whether you choose, online or physical banking is up to personal preference. Online banking can be good for anyone on the go who isn't always near a physical location or someone who just doesn't want to take the time to run to the bank.\u003C\u002Fp\u003E\u003Cp\u003EPhysical banking can be a good option if you like to have a live person to help you review your options in person or feel more secure using physical banking.  \u003C\u002Fp\u003E\" data-hed=\"Is online or physical banking better?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"74f189ef-b776-4f42-a8ed-7c80a8343c9e\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou may wonder what the point of a savings account is if you are running a small business since money may constantly be coming and going. However, a savings account for a small business can have a number of benefits. For instance, it can be a good way to set aside cash as an emergency fund for lean times or other hardships with the business.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIt can also help you keep track of money that you might use later to invest in certain parts of your business. A massive perk is that small business savings accounts allow you to build interest in your saved money. &nbsp;\u003Cbr\u003E&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Should you get a savings account for your small business?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"328e1777-c4d1-408f-939a-5cd22c57d5e9\" data-edition=\"us\" data-description=\"\u003Cp\u003EA major hassle with banks is that they tend to have many fees, some of which are not mentioned upfront. Fees tend to become more common the more cashback and rewards you get with an account or card. If you have high use on a checking account or credit card, for instance, you stand to gain more in cashback or rewards points. \u003C\u002Fp\u003E\u003Cp\u003EAs such, the cashback and rewards might exceed the annual fee. However, if you have low expenses, then you might want to look into a service that advertises low-to-no fees and no hidden fees.   \u003C\u002Fp\u003E\" data-hed=\"Does it ever make sense to pay fees with a bank?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0445e0ec-abef-4966-959f-27c3872dc76c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere were some other banks that are worth considering, but they didn't make the list either because their offerings weren't as comprehensive or they weren't as well-known\u002Festablished.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBelow are some of the additional best banks for small businesses you might consider:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.nbkc.com\u002Fbusiness" target="_blank"\u003ENBKC Bank\u003C\u002Fa\u003E: low-fee online banking.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.lendingclub.com\u002Fbusiness\u002F"\u003ELendingClub\u003C\u002Fa\u003E: online tools to help find a business loan.\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.bluevine.com\u002F"\u003EBlueVine\u003C\u002Fa\u003E: no-fee online checking.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternative banks worth considering?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-06-30 21:44:00",timezone:"UTC",updated:c,published:c},description:"There are many banks out there that cater to small business needs. Below are some of our top picks for the best banks for small businesses in terms of products offered and small business services.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"47a9ba65-230d-45a8-bd4d-bf2848d5502a",image:{id:"16c7cba8-4573-4869-8bb6-6e2760b6085c",filename:"shutterstock-548271001.jpg",dateCreated:{created:c,date:"2021-06-30 21:40:28",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Shutterstock",caption:"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F30\u002F16c7cba8-4573-4869-8bb6-6e2760b6085c\u002Fshutterstock-548271001.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:"The best banks for small businesses: Find the right bank",section:b,slug:"best-bank-for-small-business",startYear:c,summary:b,title:"Best bank for SMBs 2022: Find the right bank",topic:{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThe world has gone digital, and we officially find ourselves in the Age of the App. With mobile apps so prevalent, it makes sense that they would change the way we make payments, too. \u003C\u002Fp\u003E\u003Cp\u003EThe days of mailing cashier's checks and money orders are long past, thanks to the development of several key payment apps that simplify the payment process and make receiving money a breeze. But which one is the best to handle your money?\u003C\u002Fp\u003E\u003Cp\u003EWhen it comes to your finances, these are the best payment apps to help you make and receive payments. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4f9b1d43-8fc8-4d3e-98b4-45f572db4d0b\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EPlatforms:&nbsp;\u003C\u002Fstrong\u003EAndroid, iOS\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECost: \u003C\u002Fstrong\u003EFree with an additional fee for currency conversion\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EPayPal has been a popular pick for many years, and it remains the best payment app today. Over 400 million users today use the service with easy QR codes to both pay and receive payments. If you have trouble paying your bill in full, there is the option to buy and now then pay over four interest-free payments. Simply choose the Pay in 4 option at checkout to proceed.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAnother unique option is the ability to pay with cryptocurrency. Instead of needing a crypto credit card, you can use PayPal as a taxable transaction at millions of stores, giving you one more option. PayPal is free to use, although there is an additional fee when you need currency conversion. Available via mobile app, PayPal also offers online access. Plus, when you sign up, there is a $5 reward when you spend $10 or more.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EFree to pay\u003C\u002Fli\u003E\u003Cli\u003EBuilt-in security measures\u003C\u002Fli\u003E\u003Cli\u003EMultiple financing options\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELackluster customer service\u003C\u002Fli\u003E\u003Cli\u003EDrawn-out dispute process\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"PayPal\" data-superlative=\"Best payment app overall\" data-imagegroup=\"{"alt":"PayPal review | best payment app","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"a9511a12-3bf8-40c8-aa5d-70cbebe0fc1e","title":"PayPal review | best payment app","filename":"paypal-review-best-payment-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F15\u002Fa9511a12-3bf8-40c8-aa5d-70cbebe0fc1e\u002Fpaypal-review-best-payment-app.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":854097,"width":1296,"height":729,"dateCreated":{"date":"2022-06-15 06:18:58","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-15 06:19:05","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"PayPal review | best payment app","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"a9511a12-3bf8-40c8-aa5d-70cbebe0fc1e","imageAltText":"PayPal review | best payment app","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"paypal-review-best-payment-app.jpg","imageDateCreated":"2022\u002F06\u002F15","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fpaypal.prf.hn\u002Fclick\u002Fcamref:1011lozuK\u002Fpubref:[subid_value]\u002Fdestination:https%3A%2F%2Fwww.paypal.com%2Fus%2Fhome","offerMerchant":"PayPal","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.paypal.com\u002Fus\u002Fhome","url":"https:\u002F\u002Fpaypal.prf.hn\u002Fclick\u002Fcamref:1011lozuK\u002Fpubref:[subid_value]\u002Fdestination:https%3A%2F%2Fwww.paypal.com%2Fus%2Fhome"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fpaypal-send-shop-manage\u002Fid283646709","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.paypal.android.p2pmobile&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f5a10f3c-51a7-4a1f-a62a-fedc299f2734\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EPlatforms: \u003C\u002Fstrong\u003EAndroid, iOS\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECost: \u003C\u002Fstrong\u003EFree\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWith Cash App, it is free to both send and receive money, saving you tons of money in transfer fees. Simply create a $cashtag and use it to make payments anywhere. The Cash Card bears the Visa® logo and enables you to make both in-person and online purchases using your Cash App balance. It is compatible with both Apple Pay and Google Pay for easier use.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EGetting cash is also simple. When you deposit $300 each month, you get three free ATM withdrawals per month. One of the best parts about Cash App is that you can receive your paycheck up to two days earlier when you open an account.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou can also buy bitcoin starting at just $1 in a format that is user-friendly to both novice and experienced investors. There are built-in security measures to help keep your information private, such as verification locks and data encryption.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EFree to use\u003C\u002Fli\u003E\u003Cli\u003ESimple to use\u003C\u002Fli\u003E\u003Cli\u003ETax filing tools\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELacking advanced features\u003C\u002Fli\u003E\u003Cli\u003EInternational limitations\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"CashApp\" data-superlative=\"Best payment app for simplicity\" data-imagegroup=\"{"alt":"CashApp review | best payment app","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"583dea3f-78a3-4bfd-b2c7-97db2326462a","title":"CashApp review | best payment app","filename":"cashapp-review-best-payment-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F15\u002F583dea3f-78a3-4bfd-b2c7-97db2326462a\u002Fcashapp-review-best-payment-app.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":505388,"width":1296,"height":729,"dateCreated":{"date":"2022-06-15 06:19:19","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-15 06:19:25","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"CashApp review | best payment app","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"583dea3f-78a3-4bfd-b2c7-97db2326462a","imageAltText":"CashApp review | best payment app","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"cashapp-review-best-payment-app.jpg","imageDateCreated":"2022\u002F06\u002F15","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fcashapptaxes.pxf.io\u002Fc\u002F159047\u002F971308\u002F12855?&sharedId=zdnet&u=https%3A%2F%2Fcash.app%2F&subId1=[subid_value]","offerMerchant":"CashApp","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fcash.app\u002F","url":"https:\u002F\u002Fcashapptaxes.pxf.io\u002Fc\u002F159047\u002F971308\u002F12855?&sharedId=zdnet&u=https%3A%2F%2Fcash.app%2F&subId1=[subid_value]"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fcash-app\u002Fid711923939","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.squareup.cash&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"68480731-b277-42f7-b1ce-b4c50b143874\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EPlatforms: \u003C\u002Fstrong\u003EAndroid, iOS\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E 2.9% + 30¢ per successful charge. Customized packages are also available. &nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EStripe boasts some pretty impressive stats - 90% of American adults have purchases from a business that uses Stripe. It is easy to see why -- it is available in more than 35 countries and supports over 135 currencies. It is also used by millions of small and large companies, including Instacart, Google, Shopify, and Amazon.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe app is used not only for sending payments but also for receiving them. There are also integrations for several systems, including Shopify, NetSuite, and WooCommerce. You can embed your own custom checkout using JavaScript with a custom UI toolkit for complete personalization. With extreme care built into its systems, customers can enjoy over 99.99% uptime with additional compliance procedures.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EReporting features\u003C\u002Fli\u003E\u003Cli\u003EInstant deposits\u003C\u002Fli\u003E\u003Cli\u003E24\u002F7 customer service\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMust pay for use\u003C\u002Fli\u003E\u003Cli\u003ELimits apply for in-person purchases\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Stripe\" data-superlative=\"Best payment app for businesses\" data-imagegroup=\"{"alt":"Stripe review | best payment app","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"1d0f9c12-4115-493f-8600-4bcc370ff138","title":"Stripe review | best payment app","filename":"stripe-review-best-payment-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F15\u002F1d0f9c12-4115-493f-8600-4bcc370ff138\u002Fstripe-review-best-payment-app.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":544805,"width":1296,"height":729,"dateCreated":{"date":"2022-06-15 06:19:46","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-15 06:19:49","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Stripe review | best payment app","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1d0f9c12-4115-493f-8600-4bcc370ff138","imageAltText":"Stripe review | best payment app","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"stripe-review-best-payment-app.jpg","imageDateCreated":"2022\u002F06\u002F15","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Stripe","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fstripe.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fstripe-dashboard\u002Fid978516833","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.stripe.android.dashboard&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5879cb9b-0841-49cf-b6b2-cbb1640a5bc7\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EPlatforms: \u003C\u002Fstrong\u003EAndroid, iOS\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECost: \u003C\u002Fstrong\u003E3% when sending money from a linked bank account, debit card, or Venmo account\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EVenmo is popular for sending money between family and friends, thanks to its over 83 million users. Whether it is paying for the family groceries or splitting the rent with a friend, Venmo is super popular for sending and receiving money among acquaintances. You can also invest in crypto directly through the app since it supports multiple types of cryptocurrency.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFor businesses, there is the ability to create a profile so you can receive greater exposure to both existing and new clientele. You also have the option to get a Venmo Credit Card with up to 3% back and a personalized QR code to make receiving and sending payments easy. 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You must use a U.S. bank account, thereby excluding an international clientele. However, for U.S. accounts, Zelle is one of the best payment apps for bank transfers. You simply set up your account using your email address or phone number, then link your bank account. There are no restrictions on the exact bank you have to use as long as you use a U.S. account.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Zelle app is available via the Zelle app, or you can send transfers directly through most banking apps. It is compatible with more than 1,000 bank apps. All you need is the email address or the phone number of the recipient, and then you enter the amount you want to send. 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app","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"zelle-review-best-payment-app.jpg","imageDateCreated":"2022\u002F06\u002F15","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Zelle","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.zellepay.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fzelle\u002Fid1260755201","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.zellepay.zelle&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"79fcd0a5-8b0c-495b-b5c8-102d63a07302\" data-edition=\"us\" data-description=\"\u003Cp\u003EPayPal is my go-to payment app. It's a popular choice with millions of users and can be used to send money to friends and family or to transact with businesses large and small.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPayment app\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPlatform\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EFee for sending money\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EForeign transactions\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPayPal\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAndroid, iOS\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFee applies for currency conversion&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EYes\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECash App\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAndroid, iOS\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFree\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EYes\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EStripe\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAndroid, iOS\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E2.9% + 30¢ per successful charge\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EYes\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EVenmo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAndroid, iOS\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E3% &nbsp; &nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EZelle\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAndroid, iOS\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFree\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best payment app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d269fcb7-a1fd-426a-8940-aabae108cf10\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt can be confusing to pick the best payment app, so here are our expert recommendations to help you find the best payment app for you.&nbsp;\u003C\u002Fp\u003E\u003Cdiv class="table--container " data-role="table" data-rows="6" data-columns="2" data-title="6x2 Table" draggable="true" ondragstart="hub.view.control.rte.RichTextEditorTable.hDragstart(event)"\u003E\u003Cdiv class="table-wrapper"\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this payment app...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf you want...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECash App\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EA straightforward app&nbsp; without complications\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPaypal\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EA versatile app that offers flexibility with your payments\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EStripe\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EA payment app worthy of your business' needs\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EVenmo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ETo send money to family and friends\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EZelle\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ETo use your bank account to make payments\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\" data-hed=\"Which payment app is right for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ba8fa7ba-9611-42fc-892f-2c585da02945\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen choosing the best payment app, it is critical that each app meets certain criteria. These are some of the factors we consider while searching for the best payment apps.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ESecurity\u003C\u002Fstrong\u003E: One of the most important things is to ensure that your money is safely secured within the app. We look for security features like two-factor authentication and fraud detection.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E: Not all payment apps are free to use, so we consider if there are fees and packages available to offer you an affordable payment app.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ETransfer speed\u003C\u002Fstrong\u003E: Some apps can take weeks to transfer funds, but the best payment apps offer easy, efficient transfers, regardless of whether you are the one sending or receiving the money.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAvailability\u003C\u002Fstrong\u003E: Some apps are only available in the U.S., which can be inconvenient when you have friends and family living abroad. Other apps may limit how much you can send or receive, and additional fees may apply. Be sure to consider your needs when it comes to sending money internationally.&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these payment apps?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6cc674a7-5437-44b0-8249-43d8b0e1f10f\" data-edition=\"us\" data-description=\"\u003Cp\u003EPayment apps are a simple way to send and receive money using your mobile device. They are generally used by several types of customers, including individuals, contractors, and business owners. You can typically store your credit card or banking information within the app, so it just takes the touch of a button to send money across the country or even the world.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How do payment apps work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"eaf353f0-2448-41ac-b521-2a06f8402b6d\" data-edition=\"us\" data-description=\"\u003Cp\u003EMany of the best payment apps incorporate additional security features to keep your most personal details safe from prying eyes. Apps use security measures like Secure Sockets Layer (SSL), digital certificates, and fraud protection against unauthorized transactions.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are payment apps safe?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4c29fa28-7f5f-463f-a28d-2351c99e9665\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile searching for the best payment app, we found several options that may be worthy of your needs, whether they are personal or professional.\u003C\u002Fp\u003E\" data-hed=\"Are there alternative payment apps worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"cc14565f-d463-463e-8687-ed36e1c6aa95\" data-edition=\"us\" data-hed=\"Apple Pay: Convenient for Apple users\" data-imagegroup=\"{"alt":"Apple Pay","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"25ab66a8-b629-4c83-a786-ad0e0e859a43","filename":"apple-pay.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F15\u002F25ab66a8-b629-4c83-a786-ad0e0e859a43\u002Fapple-pay.jpg","dateCreated":{"date":"2022-06-15 06:24:03","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"25ab66a8-b629-4c83-a786-ad0e0e859a43","imageFilename":"apple-pay.jpg","imageDateCreated":"2022\u002F06\u002F15"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.apple.com\u002Fapple-pay\u002F\" data-offermerchant=\"Apple Pay\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"6a7392c3-4535-4a49-b575-d2e90648edab\" data-edition=\"us\" data-hed=\"Google Pay: Recommended for Google users\" data-imagegroup=\"{"alt":"Google Pay","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"9cc4947a-9225-43b6-af63-09cd1b05ebc9","filename":"google-pay.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F15\u002F9cc4947a-9225-43b6-af63-09cd1b05ebc9\u002Fgoogle-pay.jpg","dateCreated":{"date":"2022-06-15 06:24:22","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"9cc4947a-9225-43b6-af63-09cd1b05ebc9","imageFilename":"google-pay.jpg","imageDateCreated":"2022\u002F06\u002F15"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fpay.google.com\u002Fgp\u002Fw\u002Fu\u002F0\u002Fhome\u002Factivity?sctid=6166071854853017\" data-offermerchant=\"Google Pay\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"7976d980-3e5c-4695-92e4-5d2d6e6cc2a8\" data-edition=\"us\" data-hed=\"Meta Messenger: For Facebook fans\" data-imagegroup=\"{"alt":"Meta Messenger","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"75ca22a5-716a-4c95-bb9d-c47ba56896a8","filename":"facebook-messenger.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F15\u002F75ca22a5-716a-4c95-bb9d-c47ba56896a8\u002Ffacebook-messenger.jpg","dateCreated":{"date":"2022-06-15 06:24:44","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"75ca22a5-716a-4c95-bb9d-c47ba56896a8","imageFilename":"facebook-messenger.jpg","imageDateCreated":"2022\u002F06\u002F15"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fabout.facebook.com\u002Ftechnologies\u002Fmessenger\u002F\" data-offermerchant=\"Meta Messenger\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"8a5c580a-a70c-43e2-a5bc-31e7185d1869\" data-edition=\"us\" data-hed=\"Xoom: Best for international payments\" data-imagegroup=\"{"alt":"Xoom","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"ccbef550-9617-4ccf-8a69-e3d0033ed98b","filename":"xoom.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F15\u002Fccbef550-9617-4ccf-8a69-e3d0033ed98b\u002Fxoom.jpg","dateCreated":{"date":"2022-06-15 06:25:02","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"ccbef550-9617-4ccf-8a69-e3d0033ed98b","imageFilename":"xoom.jpg","imageDateCreated":"2022\u002F06\u002F15"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.xoom.com\u002F\" data-offermerchant=\"Xoom\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWhile you are thinking of all things financial, consider our picks for the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card-for-good-credit\u002F\"\u003Ebest credit cards for good credit\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-rewards-credit-card\u002F\"\u003Ebest rewards credit cards\u003C\u002Fa\u003E, and the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-international-travel-credit-card\u002F\"\u003Ebest international travel cards\u003C\u002Fa\u003E of 2022. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-06-15 06:32:00",timezone:"UTC",updated:c,published:c},description:"What is the best payment app? PayPal is ZDNet's No. 1 choice. To determine our top pick, as well as four other honorable mentions, we researched and compared the apps based on criteria like the platforms they're available on, whether there are fees for sending money, and if foreign transactions are allowed. We believe a good payment app should help simplify your payments and make spending easy.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"7c2e2fce-86f0-4f7f-99bc-d9fd700fa1b7",image:{id:"dbbb6d9b-069b-4937-bf84-1b1ad159ae08",filename:"best-payment-app.jpg",dateCreated:{created:c,date:"2022-06-15 06:27:01",timezone:"UTC",updated:c,published:c},alt:"Stripe",credits:"https:\u002F\u002Fstripe.com\u002Fnewsroom\u002Fbrand-assets",caption:"\u003Cp\u003EStripe\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F15\u002Fdbbb6d9b-069b-4937-bf84-1b1ad159ae08\u002Fbest-payment-app.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1296,height:729,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Innovation^Services & Software",relatedItems:[]},name:b,promoTitle:"The 5 best payment apps: Venmo isn't your only option",section:b,slug:"best-payment-app",startYear:c,summary:b,title:"The 5 best payment apps of 2022",topic:{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EToday, most of us have transitioned to a mobile-first lifestyle, using our computers and phones for everything from writing term papers to scheduling a grocery delivery. So it comes as no surprise that the banking world has also gone digital. \u003C\u002Fp\u003E\u003Cp\u003EMany online banks offer some of the best rates and tools available; it's just a matter of choosing which one is best for you. We surveyed multiple banks and financial institutions to explore what options are available for your banking needs. Based on our in-depth, ongoing study, these are the best online savings accounts in 2022:\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c467aec0-03bf-4a60-8cfc-7f94821cbb41\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 0.50%\u003C\u002Fli\u003E\u003Cli\u003EACH transfers: $0\u003C\u002Fli\u003E\u003Cli\u003EExcessive transaction fee: $10 per transaction\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EIncoming wires: $0\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EOutgoing wires: $20\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EReturned deposit item: $7.50\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAlly's High Yield Savings is our pick for the best savings account because it has few fees matched with a good APY. You will pay none of the usual fees that banks charge, waiving the cost for such things as ACH transfers, excessive transactions, and incoming wires. There also is no monthly fee. Ally is a company that proudly boasts its ability to help consumers save twice as much when using the digital savings tool available. It offers buckets that you can use to create, prioritize, and complete tasks, while boosters are used to increase the funds in your savings account. You can easily add funds to your accounts through recurring transfers that happen each month automatically, taking one more thing off your plate. If you want to build your savings faster, you have the option of a recurring transfer that will round each purchase to the next dollar. &nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EEasy online access\u003C\u002Fli\u003E\u003Cli\u003ESavings tools\u003C\u002Fli\u003E\u003Cli\u003EFew fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo brick-and-mortar locations\u003C\u002Fli\u003E\u003Cli\u003ENo cash deposits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Ally Online Savings Account\" data-superlative=\"Best online savings account overall\" data-imagegroup=\"{"alt":"Ally High Yield Savings Account","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"a509ee69-76eb-4235-a39b-46747ccc6294","title":"Ally High Yield Savings Account","filename":"ally-high-yield-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2022\u002F05\u002F09\u002Fa509ee69-76eb-4235-a39b-46747ccc6294\u002Fally-high-yield-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":179308,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-09 20:35:33","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-09 20:35:37","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Ally High Yield Savings Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"a509ee69-76eb-4235-a39b-46747ccc6294","imageAltText":"Ally High Yield Savings Account","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ally-high-yield-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F09","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Ally","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ally.com\u002Fbank\u002Fonline-savings-account\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f6da147a-6977-4cf9-8645-471ba7a6018d\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: Up to 0.61%\u003C\u002Fli\u003E\u003Cli\u003EATM card: $0\u003C\u002Fli\u003E\u003Cli\u003EForeign transaction fee: $0\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EIncoming wire: $0\u003C\u002Fli\u003E\u003Cli\u003EOutgoing wire: $35 domestic \u002F $45 international\u003C\u002Fli\u003E\u003Cli\u003EPaper statements: $5\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWith the Axos High Yield Savings Account, the rate you receive all depends on the balance in your account. The more you have in your account, the lower your rate will be. So you must maintain an account balance of $24,999 or less in order to receive the best rate. You also must pay the minimum opening deposit of $250 when you open your account, so you will need to be prepared to handle this expense.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe benefit is that this savings account comes with a complimentary debit card, plus a convenient online banking dashboard that keeps you in control of your finances at all times. If you can meet the account requirements, this could be a fantastic option when you want a high yield savings account with a higher APY. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EImpressive APY\u003C\u002Fli\u003E\u003Cli\u003EATM card available\u003C\u002Fli\u003E\u003Cli\u003EAutomated 24\u002F7 support\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo live support\u003C\u002Fli\u003E\u003Cli\u003ERate dependent on balance\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Axos High Yield Savings Account\" data-superlative=\"Best for easy access to your account\" data-imagegroup=\"{"alt":"Axos High Yield Savings Account","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"1b53dd77-b1b0-46c2-9a6b-df1967f8ae33","title":"Axos High Yield Savings Account","filename":"axos-high-yield-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2022\u002F05\u002F09\u002F1b53dd77-b1b0-46c2-9a6b-df1967f8ae33\u002Faxos-high-yield-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":247719,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-09 20:33:37","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-09 20:34:35","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Axos High Yield Savings Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1b53dd77-b1b0-46c2-9a6b-df1967f8ae33","imageAltText":"Axos High Yield Savings Account","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"axos-high-yield-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F09","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Axos","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26683508&cr=27799&last_updated=1594757850","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0c206ca7-915b-499a-95cc-b6f779659bb9\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 0.60%\u003C\u002Fli\u003E\u003Cli\u003EBank check: $0\u003C\u002Fli\u003E\u003Cli\u003EExcessive withdrawal fee: $0\u003C\u002Fli\u003E\u003Cli\u003EExpedited delivery for official bank checks: $0\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003C\u002Fli\u003E\u003Cli\u003EInsufficient funds: $0\u003C\u002Fli\u003E\u003Cli\u003EStop payment: $0\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAccording to Discover, its Online Savings Account can help you earn up to five times the interest over the country's national average. While not the highest rate on our list, you save a ton in the fees that you would normally face elsewhere.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou do not need to pay a minimum opening balance, and Discover does not require you to maintain a monthly balance. So if you encounter a financial emergency, you will not be penalized for a low account balance. For everyday savings, you can benefit from automatic transfers that work monthly.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOne of the best parts about Discover, however, is its 24\u002F7 customer service, giving you the extra assurance that help is just a phone call away -- no matter the time or day. With no ATM access or cash deposits, however, this is not the account you want when you work a lot with cash.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E24\u002F7 customer service\u003C\u002Fli\u003E\u003Cli\u003EFew fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo ATM access&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ENo cash deposit\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Discover Online Savings Account\" data-superlative=\"Best for no fees\" data-imagegroup=\"{"alt":"Discover Online Savings Account","caption":"\u003Ch3\u003E\u003Cbr\u003E\u003C\u002Fh3\u003E","credits":"","imageData":{"id":"03c11cf2-2308-4635-967c-aa837d996050","title":"Discover Online Savings Account","filename":"discover-online-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2022\u002F05\u002F09\u002F03c11cf2-2308-4635-967c-aa837d996050\u002Fdiscover-online-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":283722,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-09 20:34:10","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-09 20:35:00","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Discover Online Savings Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"03c11cf2-2308-4635-967c-aa837d996050","imageAltText":"Discover Online Savings Account","imageCaption":"\u003Ch3\u003E\u003Cbr\u003E\u003C\u002Fh3\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"discover-online-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F09","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Ch3\u003E\u003Cbr\u003E\u003C\u002Fh3\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Discover","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.discover.com\u002Fonline-banking\u002Fsavings-account\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"edfab166-209b-44cb-89d0-3267e1c5eae5\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 0.60%\u003C\u002Fli\u003E\u003Cli\u003EMinimum opening deposit: $0\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EMarcus by Goldman Sachs is a popular savings account, and it makes sense. Account holders benefit from 24\u002F7 customer service, so help is always within reach. There is no monthly fee and no minimum balance requirement, making it a great choice if you are just getting started with your savings.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou can rest assured that your account comes with the added support of Goldman Sachs, a long-standing financial institution. It is important to note that Marcus is not a bank, however, so you will not have the luxury of any ATM access or mobile check deposits; the only way to make deposits is to transfer funds from a checking account. Despite this, you do have the option of other traditional services, like wire transfers and check deposits. If you need to make a same-day transfer, you can transfer in up to $100,000 from other banks.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E24\u002F7 customer service\u003C\u002Fli\u003E\u003Cli\u003ESame-day transfers\u003C\u002Fli\u003E\u003Cli\u003EGoldman Sachs Banking\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo ATM card\u003C\u002Fli\u003E\u003Cli\u003EMust have good credit\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Marcus by Goldman Sachs High Yield Online Savings Account\" data-superlative=\"Best customer service\" data-imagegroup=\"{"alt":"Marcus by Goldman Sachs High Yield Online Savings","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"49e590d0-f729-4c4d-99e9-17dd4efa1394","title":"Marcus by Goldman Sachs High Yield Online Savings Account","filename":"marcus-by-goldman-sachs-high-yield-online-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2022\u002F05\u002F10\u002F49e590d0-f729-4c4d-99e9-17dd4efa1394\u002Fmarcus-by-goldman-sachs-high-yield-online-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":110142,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-10 20:12:19","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-10 20:12:26","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Marcus by Goldman Sachs High Yield Online Savings Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"49e590d0-f729-4c4d-99e9-17dd4efa1394","imageAltText":"Marcus by Goldman Sachs High Yield Online Savings","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"marcus-by-goldman-sachs-high-yield-online-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F10","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Goldman Sachs","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.marcus.com\u002Fus\u002Fen\u002Fsavings\u002Fhigh-yield-savings","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0d743e3a-c13d-47c2-a541-604716b34224\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: Up to 0.70%\u003C\u002Fli\u003E\u003Cli\u003EFees\u003C\u002Fli\u003E\u003Cli\u003EMinimum monthly requirement: $0\u003C\u002Fli\u003E\u003Cli\u003EMinimum opening balance: $0\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe Sallie Mae Bank SmartyPig Account is specifically geared toward students. Many young adults carry the burden of student loans, making it challenging to save. The SmartyPig account, however, can help with its goal trackers. If there is something specific you are saving for or you simply want to add milestones, it's easy to organize and track. Either way, you set up a buy-now-pay-later option with your account that helps when you find yourself strapped for cash.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo keep your account growing, you can choose from either biweekly or monthly deposits. If you hit a snag or fall behind with a payment, you can always access your funds in an emergency. There is no monthly minimum, and you receive a high APY when you keep a balance of $10,000 or less. Even with balances over $5,000, there is still a high APY of 0.55%.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh APY\u003C\u002Fli\u003E\u003Cli\u003EWithdrawals available\u003C\u002Fli\u003E\u003Cli\u003EFew fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ERestricted customer service hours\u003C\u002Fli\u003E\u003Cli\u003EAPY is dependent upon balance\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Sallie Mae Bank SmartyPig Account\" data-superlative=\"Best for students\" data-imagegroup=\"{"alt":"Sallie Mae Bank SmartyPig Account","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"c0abd4c7-b8ff-4862-874f-028afee5fff9","title":"Sallie Mae Bank SmartyPig Account","filename":"sallie-mae-bank-smartypig-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2022\u002F05\u002F10\u002Fc0abd4c7-b8ff-4862-874f-028afee5fff9\u002Fsallie-mae-bank-smartypig-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":138435,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-10 20:14:22","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-10 20:14:33","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Sallie Mae Bank SmartyPig Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"c0abd4c7-b8ff-4862-874f-028afee5fff9","imageAltText":"Sallie Mae Bank SmartyPig Account","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"sallie-mae-bank-smartypig-account.jpg","imageDateCreated":"2022\u002F05\u002F10","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Sallie Mae Bank","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.salliemae.com\u002Fbanking\u002Fsmarty-pig\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"09b23500-a1cd-44ba-9439-4faf9b68e023\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe best online savings account is the Ally Online Savings Account.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ESavings account\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EAPY\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EFDIC insured\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ERecommended Credit\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMinimum opening balance\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMonthly maintenance fee\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAlly Bank Online Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0.50%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFair, Good, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAxos Bank High Yield Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0.61%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$250\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EDiscover Bank\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0.60%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EMarcus by Goldman Sachs High-Yield Online Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0.60%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ESallie Mae Bank SmartyPig Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0.70%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENot disclosed\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best online savings account?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"02bac0b4-4440-4a8d-a246-c39211123a41\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith so many financial institutions to choose from, it's challenging to determine the best online savings account for you. To help, here are our recommendations:\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this savings account..\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf you...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAlly Bank Online Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant a little help with your savings\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAxos Bank High Yield Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant regular ATM access &nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EDiscover Bank\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EDon't want to waste money on fees\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EMarcus by Goldman Sachs High-Yield Online Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant a competitive APY with same-day transfers\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ESallie Mae Bank SmartyPig Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAre a student looking for extra help with saving\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right account for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"68358f69-58ef-4fbf-9e07-4442a2e5c547\" data-edition=\"us\" data-description=\"\u003Cp\u003EThese are some of the factors we considered:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EAPY: \u003C\u002Fstrong\u003EThe annual percentage yield, or APY, is one of the biggest factors people look for because it helps to determine how much interest you will earn. The higher the APY, the more you stand to earn in interest.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees: \u003C\u002Fstrong\u003EMost accounts have some sort of fee, like monthly maintenance fees, wire transfers, excessive transactions, and paper statements. Before you choose an account, consider how much these fees will impact your savings.&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EBalance requirement: \u003C\u002Fstrong\u003EThere is usually an account requirement that applies, whether it is the amount you must deposit to open the account or a minimum you must keep in your account each month.&nbsp; &nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ESupport:\u003C\u002Fstrong\u003E Easy access to customer service is critical when opening and maintaining a new account. Look to see what availability and methods each account offers for customer service.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EInsurance:\u003C\u002Fstrong\u003E Check to see if your account is insured by the Federal Deposit Insurance Corporation (\u003Ca href="https:\u002F\u002Fwww.forbes.com\u002Fadvisor\u002Fbanking\u002F4-key-facts-about-the-fdic\u002F" target="_blank"\u003EFDIC\u003C\u002Fa\u003E). FDIC will offer up to $250,000 in insurance for your savings account, protecting you from fraud. &nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these online savings accounts?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c201067e-d801-4614-86b7-a94f1bfaf5b9\" data-edition=\"us\" data-description=\"\u003Cp\u003EAPY stands for annual percentage yield. This is the amount of interest you will earn on your account balance.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is APY?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"fbe1db07-85b6-44a6-a3f1-a744fa8f3be7\" data-edition=\"us\" data-description=\"\u003Cp\u003EAn online savings account is one that operates online, using digital services and tools that allow you to bank anywhere you have mobile access. Many accounts are offered by banks based solely or primarily online, offering an easy convenience that is perfect for today's modern world.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is an online savings account?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"72ef4265-7ffc-48b3-9447-961a0ecded21\" data-edition=\"us\" data-description=\"\u003Cp\u003EOnline savings accounts are available through several reputable banks and financial institutions. Be sure to confirm that your account is insured by the Federal Deposit Insurance Corp., which will provide you with up to $250,000 for your funds.\u003C\u002Fp\u003E\" data-hed=\"Are online savings accounts safe?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"24686098-1328-44b5-aa85-11a3281c1696\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many other online savings accounts that could help you save. These are the ones that almost made our list:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAlliant Credit Union High-Rate Savings: Recommended for children\u003C\u002Fli\u003E\u003Cli\u003EBarclays Online Savings: Designed for long-term savings\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EHigh Yield Chime Savings Account: Excellent mobile app\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ESynchrony Bank High Yield Savings: Kind to small balances\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EVio Bank High Yield Online Savings Account: Superior digital tools\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternative accounts worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWhile looking for a new bank account, also check out our picks for the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fbest-savings-account\u002F\" target=\"_blank\"\u003Ebest savings accounts\u003C\u002Fa\u003E for all of your financial needs.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-05-11 14:26:00",timezone:"UTC",updated:c,published:c},description:"What is the best online savings account? The Ally Online Savings Account is the best overall.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"487c7c22-05a6-4da6-ae7e-00025d1b9deb",image:{id:"cf94b665-30ad-4950-bc76-aa5e615c439b",filename:"the-5-best-online-savings-accounts.jpg",dateCreated:{created:c,date:"2022-05-10 20:18:32",timezone:"UTC",updated:c,published:c},alt:"Ally High Yield Savings Account",credits:"https:\u002F\u002Fwww.ally.com\u002Fbank\u002Fonline-savings-account\u002F",caption:"\u003Cp\u003EAlly High Yield Savings Account is our pick for the best online savings account.\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F10\u002Fcf94b665-30ad-4950-bc76-aa5e615c439b\u002Fthe-5-best-online-savings-accounts.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:"The 5 best online savings accounts: Put those digital tools to use",section:b,slug:"best-online-savings-account",startYear:c,summary:b,title:"The 5 best online savings accounts of 2022",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EIf recent studies show us anything, it is that Americans are not saving money as they should. For many, the sudden job losses, health expenses, and high inflation attributable to the COVID pandemic have shined a light on the necessity of having a savings account. You could be growing your account much quicker by using one. Many banks offer high-yield savings accounts as an option to earn money on the savings you put in a specific account. \u003C\u002Fp\u003E\u003Cp\u003EThe best high-interest savings accounts can earn you up to 0.60% APY at a low cost. Since the national savings average is roughly 0.07% annual percentage yield (APY), opening a high-yield savings account is a no-brainer. \u003C\u002Fp\u003E\u003Cp\u003EHowever, it can be difficult to determine exactly which bank is best for you. We continually research hundreds of bank account options so we can inform you of only the most lucrative savings accounts. We compare factors like APY, fees, type of company and accounts, funds, and more to compile our selection.\u003C\u002Fp\u003E\u003Cp\u003EBased on our study, these are the best high-yield savings accounts of 2022.   \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"dbb02f3a-daa2-47c9-83b5-1f615a4276b5\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 1.15%\u003C\u002Fli\u003E\u003Cli\u003EMinimum balance: $0\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003C\u002Fli\u003E\u003Cli\u003ERecommended Credit: Not disclosed\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe American Express High Yield Savings Account is a great card with no fees. There are no minimums and no monthly fees for your account, saving you money in the long run. It is a card directly backed by American Express, offering an FDIC-insured option that delivers peace of mind. A unique feature of American Express is its customer service. It prioritizes customer needs by offering 24\u002F7 customer service, so there is always somebody standing by when you hit a snag. You can transfer money into your account using transfers and automatic deposits. If you do not make any transfers and consistently hold a zero balance, American Express will close your account after 180 days, so it is critical that you remain active with your deposits. To help with tracking, you have the choice of either digital or paper statements each month to help you calculate your savings. It is important to note that this savings account does not issue any ATM or debit cards, nor does it provide checks.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo monthly fees or minimums\u003C\u002Fli\u003E\u003Cli\u003ERound-the-clock customer service\u003C\u002Fli\u003E\u003Cli\u003EFinancial resources online\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo cards issued\u003C\u002Fli\u003E\u003Cli\u003EAccounts with a $0 balance for 180 days are automatically closed&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"American Express high-yield savings account\" data-superlative=\"Best high-yield savings account\" data-imagegroup=\"{"alt":"American Express High Yield Savings Account","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"7d8eef12-4c23-4649-8407-0b8da4239ec2","title":"American Express high yield savings account","filename":"american-express-high-yield-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F11\u002F7d8eef12-4c23-4649-8407-0b8da4239ec2\u002Famerican-express-high-yield-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":435331,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-11 16:14:28","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-11 16:14:32","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"American Express high yield savings account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"7d8eef12-4c23-4649-8407-0b8da4239ec2","imageAltText":"American Express High Yield Savings Account","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"american-express-high-yield-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F11","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.americanexpress.com\u002Fen-us\u002Fbanking\u002Fonline-savings\u002Fhigh-yield-savings\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.americanexpress.android.acctsvcs.us&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Famex\u002Fid362348516","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b1168774-c6cb-4837-8493-723611f9363c\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 1.25%&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EACH transfers: $0\u003C\u002Fli\u003E\u003Cli\u003EExcessive transaction fee: $10 per transaction\u003C\u002Fli\u003E\u003Cli\u003EIncoming wires: $0\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003C\u002Fli\u003E\u003Cli\u003EOutgoing wires: $20\u003C\u002Fli\u003E\u003Cli\u003EReturned deposit item: $7.50\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAlly Bank proudly claims to have helped people save 2 times more after using the smart savings tools available on its website. It uses a system called buckets, which helps you create and prioritize tasks, and boosters created to help you build your savings. It is easy to set up a recurring transfer so you do not have to worry about making a transfer each month, and there is also the option to round up each transaction to the next dollar, putting the extra change directly into your savings account. Plus, Ally skips many of the usual fees, charging nothing for monthly maintenance fees and incoming wires. However, you have to be comfortable banking online because Ally does not have any brick-and-mortar locations. You also do not have the ability to make cash deposits, limiting you to bank transfers instead. If you are internet-comfortable&nbsp;and only make transfers, Ally Bank could be for you. &nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EEasy online access\u003C\u002Fli\u003E\u003Cli\u003ECompetitive APY\u003C\u002Fli\u003E\u003Cli\u003EFew fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo physical branches\u003C\u002Fli\u003E\u003Cli\u003ECannot make cash deposits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Ally online savings account\" data-superlative=\"Best online bank\" data-imagegroup=\"{"alt":"Ally Online Savings Account","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"a509ee69-76eb-4235-a39b-46747ccc6294","title":"Ally High Yield Savings Account","filename":"ally-high-yield-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F09\u002Fa509ee69-76eb-4235-a39b-46747ccc6294\u002Fally-high-yield-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":179308,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-09 20:35:33","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-09 20:35:37","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Ally High Yield Savings Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"a509ee69-76eb-4235-a39b-46747ccc6294","imageAltText":"Ally Online Savings Account","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ally-high-yield-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F09","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Ally","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ally.com\u002Fbank\u002Fonline-savings-account\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.ally.MobileBanking&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fally-banking-investing\u002Fid514374715","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"12cf8780-963e-493e-8d0b-685b2e2ec2f7\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 1.00%\u003C\u002Fli\u003E\u003Cli\u003EForeign transaction fee: $0\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EMinimum balance: $0\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003C\u002Fli\u003E\u003Cli\u003EOverdraft fee: Up to $200\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EChime is a different type of service. It calls itself a tech company while relying on partners to fulfill its financial obligations. Chime is not a bank but rather works with a series of banks to provide support for its savings accounts, such as Stride Bank, N.A., and Cross River Bank. For your peace of mind, its partner banks are all FDIC-insured with added encryption protocols to protect your most sensitive information. Chime does not charge many of the fees that its competitors charge, requiring no minimum balance and delivering a competitive APY of 0.50% to help build your savings. There is also Round Ups, which help you save with each purchase rounded to the next dollar, and Save When I Get Paid helps with a direct deposit on every paycheck.&nbsp; When you need to access funds, there is a network of more than 60,000 ATMs you can use without a fee, including those found in stores like 7-Eleven, CVS Pharmacy, and Walgreens.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ESimple enrollment\u003C\u002Fli\u003E\u003Cli\u003ELarge ATM network\u003C\u002Fli\u003E\u003Cli\u003ENo monthly fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo cash deposits\u003C\u002Fli\u003E\u003Cli\u003EWorks with a number of banks\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Chime high-yield savings account\" data-superlative=\"Best automated savings account\" data-imagegroup=\"{"alt":"Chime High Yield Chime Savings Account","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Chime","imageData":{"id":"da4fa8f4-042a-4a87-8f69-fe970c53722e","title":"chime-high-yield-savings-account","filename":"chime-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F28\u002Fda4fa8f4-042a-4a87-8f69-fe970c53722e\u002Fchime-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":98284,"width":1296,"height":729,"dateCreated":{"date":"2022-07-28 20:41:52","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-07-28 20:42:11","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Chime","alt":"chime-high-yield-savings-account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"da4fa8f4-042a-4a87-8f69-fe970c53722e","imageAltText":"Chime High Yield Chime Savings Account","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Chime","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"chime-savings-account.jpg","imageDateCreated":"2022\u002F07\u002F28","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Chime\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chime","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.kqzyfj.com\u002Fclick-9041660-14423177?sid=%5Bsubid_value%5D","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.onedebit.chime&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fchime-mobile-banking\u002Fid836215269","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c73a61d4-1867-42e8-9a13-6a2050e96227\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 1.20%\u003C\u002Fli\u003E\u003Cli\u003EMinimum opening deposit: $0\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EMarcus by Goldman Sachs offers its High Yield Online Savings, requiring no monthly deposit and skipping the monthly fees. It is backed by the power of Goldman Sachs, a well-respected leader of investment banks. Marcus itself has been around since 2016, adding extra security. The main drawback is that this is not a bank and so it does not embrace the mobile check deposit or ATM network that you receive with other banks. You will need a separate checking account to make your transfers, significantly limiting how you transfer money and make deposits. If you need to take out money, there is no ATM access, but you can make a transfer, do a wire transfer, or send a check. For same-day transfers, you have a generous limit of $100,000 from other banks. You can access customer service 24\u002F7 through the call center. Getting started is easy: No minimum deposit or credit check is required. There are also no monthly fees.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ESame-day transfers\u003C\u002Fli\u003E\u003Cli\u003E24\u002F7 customer service\u003C\u002Fli\u003E\u003Cli\u003EBacked by Goldman Sachs\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ERequires good credit\u003C\u002Fli\u003E\u003Cli\u003ENo ATM access\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Marcus by Goldman Sachs high-yield online savings\" data-superlative=\"Best for no fees\" data-imagegroup=\"{"alt":"screen-shot-2022-05-10-at-12-50-40-pm.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Marcus","imageData":{"id":"c67554a2-0d1b-479b-9c8f-4da436402363","title":"marcus-by-goldman-sachs-high-yield-online-savings","filename":"marcus-by-goldman-sachs-high-yield-online-savings.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F28\u002Fc67554a2-0d1b-479b-9c8f-4da436402363\u002Fmarcus-by-goldman-sachs-high-yield-online-savings.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":48890,"width":1296,"height":729,"dateCreated":{"date":"2022-07-28 20:51:08","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-07-28 20:51:17","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Marcus","alt":"marcus-by-goldman-sachs-high-yield-online-savings","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"c67554a2-0d1b-479b-9c8f-4da436402363","imageAltText":"screen-shot-2022-05-10-at-12-50-40-pm.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Marcus","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"marcus-by-goldman-sachs-high-yield-online-savings.jpg","imageDateCreated":"2022\u002F07\u002F28","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Marcus\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Marcus","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.marcus.com\u002Fus\u002Fen\u002Fsavings\u002Fhigh-yield-savings","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.marcus.android&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fmarcus-by-goldman-sachs\u002Fid1489511701","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"885730cd-84f7-4bf0-9dd7-d8986efa2b91\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 0.75%\u003C\u002Fli\u003E\u003Cli\u003EExcessive transaction fee: $10\u003C\u002Fli\u003E\u003Cli\u003EMinimum opening deposit: $100\u003C\u002Fli\u003E\u003Cli\u003EMonthly service charge: $0\u003C\u002Fli\u003E\u003Cli\u003EPaper statements: $5 per month\u003C\u002Fli\u003E\u003Cli\u003EReturned deposit: $7\u003C\u002Fli\u003E\u003Cli\u003EStop payment: $30\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EBacked by Oklahoma's Midland Bank, Vio Bank is an online-only bank that does not offer a checking account or ATM services, so it is important that you are tech-savvy enough to bank entirely online. However, with a 0.60% APY, the Vio Bank High-Yield Online Savings Account offers a rate that is lower than some of the online savings accounts here on our list. Additionally, there is no minimum opening, monthly service fee, or charge for incoming wires. You will pay other fees, however, with fees for outgoing wires, excessive transactions, returned deposits, and stop payments. If you opt for paper statements, there is a minor fee each month. There is a $100 minimum deposit to open your account, which is something customers need to be prepared for. Customer service is available during limited hours during Central time if you need help with your account.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo monthly fee\u003C\u002Fli\u003E\u003Cli\u003ELow opening deposit\u003C\u002Fli\u003E\u003Cli\u003EUpfront fee schedule&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo mobile app\u003C\u002Fli\u003E\u003Cli\u003ERequired credit score not disclosed\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Vio Bank high-yield online savings account\" data-superlative=\"Best for competitive rates\" data-imagegroup=\"{"alt":"Vio Bank High Yield Online Savings Account","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"c0d04f9b-7bc6-4a90-8e69-aaf39df7ca11","title":"Vio Bank high yield online savings account","filename":"vio-bank-high-yield-online-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F11\u002Fc0d04f9b-7bc6-4a90-8e69-aaf39df7ca11\u002Fvio-bank-high-yield-online-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":566208,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-11 16:07:46","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-11 16:07:50","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Vio Bank high yield online savings account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"c0d04f9b-7bc6-4a90-8e69-aaf39df7ca11","imageAltText":"Vio Bank High Yield Online Savings Account","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"vio-bank-high-yield-online-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F11","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Vio","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.viobank.com\u002Fonline-savings-account","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.mfoundry.mb.android.mb_731_354androidphone&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fvio-bank\u002Fid1437006028","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"99751aae-8694-4f2e-86c5-220bb0a52285\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are several options for the best high-yield savings account, as you can see here. Our pick for the best high-yield savings account is the Ally Online Savings Account. However, it is important to carefully survey APY rates and study the details of each account. Terms vary bank to bank, especially when you begin to compare brick-and-mortar banks to online banks. Consider not just the APY but also the associated fees to be sure that you are making the right choice for yourself and your family.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EHigh-yield savings account\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EAPY\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ERecommended Credit\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMinimum opening balance\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMonthly maintenance fee\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAlly online savings account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E1.25%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFair, Good, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAmerican Express high-yield savings account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E1.15%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENot disclosed\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EChime high-yield savings account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E1.00%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EPoor, Fair\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$100\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EMarcus by Goldman Sachs high-yield savings&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E1.20%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EVio Bank high-yield online savings account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0.75%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENot disclosed\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best high-yield savings account?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d9b18309-caf8-4be9-bb5b-4ac42db8e61e\" data-edition=\"us\" data-description=\"\u003Cp\u003EBreaking down the best high yield savings account is not always an easy task, so here we provide our expert recommendations to help.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this high yield savings account...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf you want...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAlly Online Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ETax-friendly, checking\u002Fsavings hybrid\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAmerican Express High Yield Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EA friendly voice to help you with your card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EChime High Yield Chime Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ETo simplify your online banking\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EMarcus by Goldman Sachs High Yield Online Savings&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAn impressive APY with no fees to boot\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EVio Bank High Yield Online Savings Account&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWhen you want an impressive IPY to help you save\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right high yield savings account for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6e1f015a-db53-429d-89a2-fe048d449824\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn choosing the best high-yield savings accounts, there are several factors we consider, which also may help you with your search for your own best pick. &nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EAPY: \u003C\u002Fstrong\u003EAn APY, or annual percentage yield, shows just how much you stand to gain through interest on your saved funds.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees: \u003C\u002Fstrong\u003EAt the end of the day, fees can cost a ton if you are not careful. Our picks for the best high-yield savings accounts all skip the monthly fees, so you can start saving faster.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EType of company:\u003C\u002Fstrong\u003E Not all of the best high-yield savings accounts come from banks. For example, Chime is a great example of other types of financial institutions beyond traditional banks. This is an important consideration if you prefer a brick-and-mortar service.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EType of accounts: \u003C\u002Fstrong\u003EIn addition to savings accounts, many institutions may offer both checking and savings accounts to simplify your banking.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFunds:\u003C\u002Fstrong\u003E It is important to consider how to fund your new savings account. Some companies may charge you to make a deposit, even if it is just a simple incoming wire.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWe recommend that you carefully review the terms and conditions of even the best high-yield saving account, so you can be sure that you are comfortable with the fees and features associated with your chosen savings account.\u003C\u002Fp\u003E\" data-hed=\"How did we choose these high-yield savings accounts?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"35e56f09-9a42-4c96-8222-93acf013102d\" data-edition=\"us\" data-description=\"\u003Cp\u003EA high-yield savings account, also known as a high-interest savings account, is different from a traditional savings account because it is designed to maximize your savings with a higher-than-usual APY. Interest compounds daily with monthly posting dates. According to federal law, you may make a maximum of nine debit, online, and telephone withdrawals.\u003C\u002Fp\u003E\" data-hed=\"What is a high yield savings account?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a10303e6-5666-4ef8-97fc-0da8e0120bde\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn general, high-interest savings accounts are safe. When putting your funds into any bank account or credit union, there is always the risk of that financial institution failing. However, the government ensures that your money is insured up to $250,000 per depositor.\u003C\u002Fp\u003E\u003Cp\u003EWhether it's the Federal Deposit Insurance Corp. or the National Credit Union, your account is backed by reliable sources. So, invest confidently and earn up to 1.20% APY for little to no fees on the best high-yield savings accounts.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are high-yield savings accounts safe?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"62318fde-41d8-4eba-aff8-2c6e443daebe\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many, many options for savings accounts these days, but not all of them may tick the boxes you need in a high-yield savings account.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThese are some of the high-yield savings accounts we also considered for our list:\u003C\u002Fp\u003E\" data-hed=\"Are there alternative savings accounts worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"4ae186fd-596f-4abc-84d6-977f43bca0cf\" data-edition=\"us\" data-hed=\"Chase Premier Savings\" data-imagegroup=\"{"alt":"chase-premier-savings","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Bankrate","imageData":{"id":"102da630-d703-4c33-bb1c-a8341cbde571","filename":"chase-premier-savings.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F28\u002F102da630-d703-4c33-bb1c-a8341cbde571\u002Fchase-premier-savings.jpg","dateCreated":{"date":"2022-07-28 21:19:03","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"102da630-d703-4c33-bb1c-a8341cbde571","imageFilename":"chase-premier-savings.jpg","imageDateCreated":"2022\u002F07\u002F28"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Bankrate\" data-offerurl=\"https:\u002F\u002Fwww.chase.com\u002Fpersonal\u002Fsavings\u002Finterest-savings\" data-offermerchant=\"Chase\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"c5eb8382-2058-4f8b-b302-c4132ad484de\" data-edition=\"us\" data-hed=\"Lending Club High-Yield Savings\" data-imagegroup=\"{"alt":"","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"62198bbf-fe80-4cab-8f3c-990fd7b1f5cd","filename":"lending-club-high-yield-savings.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F28\u002F62198bbf-fe80-4cab-8f3c-990fd7b1f5cd\u002Flending-club-high-yield-savings.jpg","dateCreated":{"date":"2022-07-28 21:07:03","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"62198bbf-fe80-4cab-8f3c-990fd7b1f5cd","imageFilename":"lending-club-high-yield-savings.jpg","imageDateCreated":"2022\u002F07\u002F28"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.lendingclub.com\u002Fpersonal-banking\u002Fhigh-yield-savings\" data-offermerchant=\"Lending Club\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"26c9060f-0f36-4a45-bad9-dd3c8deee616\" data-edition=\"us\" data-hed=\"Synchrony High-Yield Savings Account\" data-imagegroup=\"{"alt":"","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"48475e0a-64ed-4c9f-a28d-90069a39f8a4","filename":"synchrony-bank-high-yield-savings.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F28\u002F48475e0a-64ed-4c9f-a28d-90069a39f8a4\u002Fsynchrony-bank-high-yield-savings.jpg","dateCreated":{"date":"2022-07-28 21:13:57","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"48475e0a-64ed-4c9f-a28d-90069a39f8a4","imageFilename":"synchrony-bank-high-yield-savings.jpg","imageDateCreated":"2022\u002F07\u002F28"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.synchronybank.com\u002Fbanking\u002Fhigh-yield-savings\u002F\" data-offermerchant=\"Synchrony Bank\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWhile you are sorting your personal finances, check out our articles for the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fthe-best-cash-management-account\u002F\"\u003Ebest cash management accounts\u003C\u002Fa\u003E and the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fbest-business-checking-account\u002F\"\u003Ebest business checking accounts\u003C\u002Fa\u003E! \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-29 19:44:00",timezone:"UTC",updated:c,published:c},description:"What is the best high-yield savings account? American Express high-yield savings account is ZDNet's top choice because of its high APY, no fees, and great customer service. We made your search easier by compiling the top high-interest accounts below based on APY, fees, and bank reputation\u002Faccount offerings.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"98940fa6-9e01-48ee-93b1-67a62364cf03",image:{id:"aabf651e-6bc2-492c-b825-618441711a24",filename:"best-high-yield-savings-accounts.jpg",dateCreated:{created:c,date:"2022-05-11 16:16:22",timezone:"UTC",updated:c,published:c},alt:"American Express High Yield Savings Account",credits:"https:\u002F\u002Fwww.americanexpress.com\u002Fen-us\u002Fbanking\u002Fonline-savings\u002Fmobile-bookmark\u002F",caption:"\u003Ch3\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Famerican-express-launches-a-digital-high-yield-consumer-checking-account-with-few-fees\u002F\"\u003EAmerican Express High Yield Savings Account\u003C\u002Fa\u003E is the best high yield savings account. \u003C\u002Fh3\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F11\u002Faabf651e-6bc2-492c-b825-618441711a24\u002Fbest-high-yield-savings-accounts.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:"The 5 best high-yield savings accounts: Not your standard savings",section:b,slug:"best-high-yield-savings-account",startYear:c,summary:b,title:"The 5 best high-yield savings accounts of 2022",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ETeaching children to manage money is not easy, but a prepaid debit card can be a great way to give children access to a limited amount of funds -- while also tracking spending. There are other benefits, too. A prepaid debit card can also be a fantastic way to keep an emergency stash of cash or help out family members with expenses.    \u003C\u002Fp\u003E\u003Cp\u003EHowever, fees and card limitations can add up quickly, making your prepaid debit card a pricey piece of plastic. So, we found the best prepaid cards that are both convenient and relatively low risk. We considered factors like coverage options, fees, and availability while choosing the top cards. Based on these elements and more, the cards below are the best options for you. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"56caa5b7-80e2-4a07-9dcb-56ef38dd6da5\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe American Express Serve Cash Back Card is an FDIC-backed card with amounts up to $100,000 for your use. It also collaborates with over 30,000 MoneyPass® ATM locations nationwide, offering easy access to your money.\u003C\u002Fp\u003E\u003Cp\u003EThe reward structure is the card's best feature, offering unlimited 1% Cash Back on in-store and online purchases. However, it is important to note that ATM transactions do not earn cashback rewards. After your purchases, you do not have to wait for your rewards, with rewards available immediately after the transaction settles. Your rewards will never expire, so you can take your time using them. With the Spend Prepaid Debit Card, you also receive emergency assistance and roadside support if you encounter trouble on your travels. While you are still responsible for the costs of any services, American Express will offer coordination and assistance to get you back on the road that much faster.\u003C\u002Fp\u003E\u003Cp\u003EThe American Express Serve Cash Back card offers similar protections to a traditional debit card, with the ability to freeze your card and no financial responsibility for fraudulent charges. Purchase protection protects eligible purchases from accidental damage and theft up to 120 days from the date of purchase. You can also receive your money up to two days faster when you use direct deposit for your paychecks, giving you even greater freedom with your spending.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EUnlimited 1% Cash Back rewards\u003C\u002Fli\u003E\u003Cli\u003ENo monthly fees with $500+ in direct deposits\u003C\u002Fli\u003E\u003Cli\u003ENo card fee with online applications\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMonthly fee for most cardholders\u003C\u002Fli\u003E\u003Cli\u003EUp to 10 days clearance for mobile deposits\u003C\u002Fli\u003E\u003Cli\u003EForeign transaction fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"American Express Serve Cash Back\" data-superlative=\"Best for cash rewards\" data-imagegroup=\"{}\" data-offer=\"{"id":"fe6dfb67-3a0d-467d-9a37-a252f39e8779","slug":"american-express-serve-cash-back","label":"American Express Serve Cash Back","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"fe6dfb67-3a0d-467d-9a37-a252f39e8779","name":"American Express Serve Cash Back","slug":"american-express-serve-cash-back","productType":"SERIES","updateType":"PRISM","mod":1646946491878,"displayDate":"Thu Mar 10 2022 16:08:11 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.serve.com\u002Fcash-back","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c07c76e8-9dde-4aec-9e15-6a3e56e7e407\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe American Express Serve Free Reloads Card is similar to its sister card, the Serve Cash Back. Instead of cash rewards, the Serve allows for free reloads when you prefer cash to reload your prepaid card. The Serve Free Reloads is FDIC-protected and comes with a maximum balance of up to $10,000. There is no credit check to apply, making the process even easier.\u003C\u002Fp\u003E\u003Cp\u003EThere are no fees when you need to reload. You have the option to load money onto your card using 45,000 retail locations with an easy barcode reload, or you can simply transfer money from your bank account using the Serve Mobile App. You can add anywhere from $20 to $500 at a time. No minimum balance is required.\u003C\u002Fp\u003E\u003Cp\u003ESimilar to the American Express Serve Cash Back Card, the Serve Free Reloads Card carries Fraud Protection with Purchase Protection lasting up to 120 days. There is also emergency and roadside assistance for travel support.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EFree cash reloads\u003C\u002Fli\u003E\u003Cli\u003ENo card fee for accounts opened online&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ENo credit check required\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo rewards\u003C\u002Fli\u003E\u003Cli\u003EMonthly card fee\u003C\u002Fli\u003E\u003Cli\u003ELimited AMEX retailers\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"American Express Serve Free Reloads\" data-superlative=\"Best for cash users\" data-imagegroup=\"{}\" data-offer=\"{"id":"172c216b-f894-4612-9c15-1f465cb8fa10","slug":"american-express-serve-free-reloads","label":"American Express Serve FREE Reloads","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"172c216b-f894-4612-9c15-1f465cb8fa10","name":"American Express Serve FREE Reloads","slug":"american-express-serve-free-reloads","productType":"SERIES","updateType":"PRISM","mod":1646946545353,"displayDate":"Thu Mar 10 2022 16:09:05 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.serve.com\u002Ffree-reloads","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e7373a5c-94e8-4f5c-ae97-6917e910748e\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe Starbucks Rewards Visa Prepaid Card is a Chase product that allows flexible spending power. You can use it anywhere Visa is accepted, with the exception of rentals like cars, furniture, and equipment. As you make purchases, you receive rewards that can be redeemed at Starbucks for food and beverage purchases. With every purchase, you receive one star for every $10 spent on eligible items. Stars never expire, either, so you can take your time redeeming them. Stars are in addition to the standard two stars per $1 purchase bonus that you get when you use your Starbucks Card.\u003C\u002Fp\u003E\u003Cp\u003EThere are no monthly or annual account fees, and it is free to reload cash onto your card. Rewards are transferred to your account within 14 days after the end of each billing cycle, so there is a bit of a wait to receive and use your rewards. You then can redeem your rewards at any participating Starbucks store in the U.S., Puerto Rico, and Canada. When you redeem your stars, Starbucks offers the following \u003Ca href="https:\u002F\u002Fwww.starbucks.com\u002Frewards\u002Fterms"\u003Erewards schedule\u003C\u002Fa\u003E. Certain item restrictions reply.\u003C\u002Fp\u003E\u003Cp\u003EYou can sign up for free text notifications when your balance gets low, and all you have to do is text back to use Easy Reload. There is also Zero Liability Protection, so you are not responsible for fraudulent charges, and your card comes with chip-card technology for extra security and peace of mind. The card is also FDIC-insured.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EBonus Starbucks rewards\u003C\u002Fli\u003E\u003Cli\u003ERewards on every purchase\u003C\u002Fli\u003E\u003Cli\u003EAdded security features\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ERewards redeemable at Starbucks only\u003C\u002Fli\u003E\u003Cli\u003EMust be a Starbucks Rewards member\u003C\u002Fli\u003E\u003Cli\u003ENo cash reloads\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Starbucks Rewards Visa Prepaid Card From Chase\" data-superlative=\"Best for limited fees\" data-imagegroup=\"{}\" data-offer=\"{"id":"c1821693-be0c-4b3a-8472-e8581e11d63c","slug":"starbucks-rewards-visa-prepaid-card-from-chase","label":"Starbucks Rewards Visa Prepaid Card from Chase","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"c1821693-be0c-4b3a-8472-e8581e11d63c","name":"Starbucks Rewards Visa Prepaid Card from Chase","slug":"starbucks-rewards-visa-prepaid-card-from-chase","productType":"SERIES","updateType":"PRISM","mod":1646945790955,"displayDate":"Thu Mar 10 2022 15:56:30 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e67e5dfd-eaba-4355-92dd-0a5b329998ca\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe American Express Cash back card earns&nbsp;\u003Cem\u003EZDNet\u003C\u002Fem\u003E's top spot for its cash rewards. It's an excellent choice for being rewarded when you spend responsibly. You get unlimited 1% Cash Back from in-store and online purchases. And, as a bonus, it's FDIC-backed and offers accessibility to a large net of MoneyPass® ATM locations nationwide.\u003C\u002Fp\u003E\u003Cp\u003EIf you're looking to build credit, however, you're better off with a starter credit card. For that, check out our list of top picks of \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-starter-credit-card-for-no-credit\u002F" target="_blank"\u003Ebeginner credit cards.\u003C\u002Fa\u003E\u003C\u002Fp\u003E\" data-hed=\"What's the best prepaid debit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"680aa88d-2ee6-446d-8b6b-82e73f2a9afd\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo find the best prepaid debit cards, we considered several different factors.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EMaximum balance\u003C\u002Fstrong\u003E: This is the first step in making sure a card is right for you. Prepaid debit cards can come in various amounts, ranging from $300 to over $100,000.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EReload options\u003C\u002Fstrong\u003E: When you need to add cash to your card, accessibility is important. Some cards allow online transfers, while others partner with popular retailers like CVS and Walmart to offer extra convenience.  \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E: Prepaid debit card issuers typically charge fees for a variety of purposes, including monthly, foreign transaction, and cash reload fees.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ERewards\u003C\u002Fstrong\u003E: Some cards offer additional rewards, such as cash back or specialty items, while others do not have a rewards program at all.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EPeace of mind features\u003C\u002Fstrong\u003E: Other critical points of consideration include account security features and purchase protections, such as fraud protection.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6aba444c-68a8-4526-af11-a272e34c90b3\" data-edition=\"us\" data-description=\"\u003Cp\u003EBefore you choose the best prepaid debit card for your needs, consider which features are most important to you. Look at the factors we listed above, and then pick a card that matches the ones you care about.  \u003C\u002Fp\u003E\" data-hed=\"Which card is the right one for me?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"753b22ac-e346-4317-932e-ba3bc21c7284\" data-edition=\"us\" data-description=\"\u003Cp\u003EA prepaid debit card is similar to a traditional debit card, except that it is preloaded with a specific amount of money. When the balance is low or runs out, you simply reload your card.\u003C\u002Fp\u003E\" data-hed=\"What is a prepaid debit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"44384f0d-61ad-4b4f-a95f-62231cfbef39\" data-edition=\"us\" data-description=\"\u003Cp\u003EGrabbing a prepaid debit card is as easy as going to your local grocery store, pharmacy or department store. They're often prominently displayed along with gift cards, be it at a check-out line or at a gift card kiosk. But keep in mind that you may have to pay $5 to activate it.\u003C\u002Fp\u003E\u003Cp\u003EHappier staying at home and shopping online? You should be, because you can receive a prepaid debit card online free of charge.\u003C\u002Fp\u003E\" data-hed=\"Where do I get a prepaid debit card\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e54da63a-9796-421b-8c87-965afa0722bf\" data-edition=\"us\" data-description=\"\u003Cp\u003EA prepaid debit card is different from a regular debit card because it is much easier to obtain -- even if you have bad credit or poor banking history. There is no credit check required, although there are additional fees that you may incur for different reasons.\u003C\u002Fp\u003E\" data-hed=\"What is the difference between prepaid debit cards and regular debit cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1fb5695a-fc2a-4791-a396-88b39170d305\" data-edition=\"us\" data-description=\"\u003Cp\u003EA prepaid debit card could be a great fit for you if you do not have a bank account. They are fantastic tools for parents who want a family-friendly way to manage household finances, and it can also be a great choice when you simply want to keep emergency cash-on-hand. \u003C\u002Fp\u003E\" data-hed=\"Is a prepaid debit card right for me?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"653c946a-0e13-4f79-9eb6-b6f8971f096c\" data-edition=\"us\" data-description=\"\u003Cp\u003ESeveral other prepaid debit cards are available on the market today. These are some of the other options that we considered that nearly made our 2022 best prepaid debit card list.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAkimbo Prepaid MasterCard\u003C\u002Fli\u003E\u003Cli\u003EBluebird by American Express\u003C\u002Fli\u003E\u003Cli\u003EChime Visa Debit Card\u003C\u002Fli\u003E\u003Cli\u003EFamZoo Prepaid Card\u003C\u002Fli\u003E\u003Cli\u003EFifth Third Access 360° Reloadable Prepaid Card\u003C\u002Fli\u003E\u003Cli\u003EGreenlight Prepaid Mastercard\u003C\u002Fli\u003E\u003Cli\u003EMOVO Digital Prepaid Visa\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EMOVO Virtual Prepaid Visa\u003C\u002Fli\u003E\u003Cli\u003ENetspend Prepaid Card\u003C\u002Fli\u003E\u003Cli\u003EWalmart MoneyCard Visa with Cashback Rewards\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EIf you think a different type of card may be a better fit for you, consider one of our top picks for the&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-secured-credit-card\u002F" target="_blank"\u003Ebest secured credit cards\u003C\u002Fa\u003E&nbsp;or the&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-cash-back-credit-card\u002F" target="_blank"\u003Ebest cashback credit cards\u003C\u002Fa\u003E&nbsp;in 2022.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are there alternative cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"29d70028-abc8-436e-bb80-d1b425f452ac\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F29d70028-abc8-436e-bb80-d1b425f452ac\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E \t\u003Cbr\u003E \u003C\u002Fh2\u003E\u003Ch2\u003E \t\u003Cbr\u003E \u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-06-08 00:07:00",timezone:"UTC",updated:c,published:c},description:"What's the best prepaid debit card? The American Express Cash Back Card is ZDNet's top choice for its cash rewards. Earn cash back while spending responsibly. We searched far and wide and compiled the top prepaid debit cards for you.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"3d8c7029-8b4c-4088-9c99-86eb1f12aa6a",image:{id:"ff37ab4b-69fe-43bb-ab60-5c1af0c895b1",filename:"best-prepaid-debit-cards.jpg",dateCreated:{created:c,date:"2021-09-21 17:10:07",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"By Vitali Michkou -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F21\u002Fff37ab4b-69fe-43bb-ab60-5c1af0c895b1\u002Fbest-prepaid-debit-cards.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The 3 best prepaid debit cards: Top preloaded cards",section:b,slug:"best-prepaid-debit-card",startYear:c,summary:b,title:"The 3 best prepaid debit cards of 2022",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"66bba4d9-f9b3-4423-b4b0-8d2aa7d0233a",slug:"american-express",name:"American Express",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"6d2ebfee-25b8-4e0c-83c2-db77f4ed4567",username:"Jacob Pippin",profileUrl:c,email:c,firstName:"Jacob",lastName:"Pippin",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"3541df3c-dedf-46c7-8fac-5f1006394572",filename:"jacob-pippin.jpg",dateCreated:{created:c,date:"2021-05-06 14:27:32",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F05\u002F06\u002F3541df3c-dedf-46c7-8fac-5f1006394572\u002Fjacob-pippin.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Jacob Pippin is an experienced writer based in Orlando, Florida. He writes about a wide array of topics, from technology to marketing. He holds a bachelor's degree in Communication and Public Relations from Rollins College.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EIf you have an established business, a startup, or a home-based business, you have probably thought about banking options. Opening a bank account is not always as simple as we would like it to be -- it requires research and careful attention, since we are dealing with our most critical issue: our money.\u003C\u002Fp\u003E\u003Cp\u003EBut, similar to other industries, the banking industry is adapting to digital market demands.\u003C\u002Fp\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.sba.gov\u002Fblog\u002Ftop-business-trends-2021\"\u003EBusiness trends\u003C\u002Fa\u003E of 2021 suggest that eCommerce will continue to be prioritized by many companies, as will the demand for virtual services by consumers. For many business owners, the traditional brick-and-mortar banking experience is giving way to the convenience of online banking.\u003C\u002Fp\u003E\u003Cp\u003EOnline banking is no different than traditional banking. It offers nearly every service found at a local branch -- deposits, transfers, payments, etc. Of course, the difference is that all of your transactions are done entirely online, at your own convenience. Understanding this desire for convenience, many major banks and credit unions now offer online banking.\u003C\u002Fp\u003E\u003Cp\u003EFor a busy business owner, banking on the go is a huge advantage. However, choosing the right online bank to set up a business account requires careful attention.\u003C\u002Fp\u003E\u003Cp\u003ELet's look at some of the best online business bank accounts available today.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"dda957ca-09c9-4916-9312-fafb34c63024\" data-edition=\"us\" data-description=\"\u003Cp\u003ESome business owners desire online banking convenience. They may also find comfort in knowing a physical branch is just around the corner. Chase Business Online brings the vast resources of the banking giant to the small business owner with a simple, online banking option. Chase Business Online banking is FDIC-insured.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EAdvantages\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EChase Business Online offers members superior management features and security. Digital payment features allow you to control your business's cash flow entirely online -- with 250 transactions per month with no fee.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAccount management tools allow members to set up multiple account users, complete with control over what is seen and done on the account. Cash management such as bill payment and fund transfers can be done conveniently by any authorized user.\u003C\u002Fli\u003E\u003Cli\u003EMobile banking with Chase's mobile banking app allows business owners to bank on the go, complete with account alerts and text banking -- you can check account balances with a text and receive alert notifications when your account isn't meeting minimum balance requirements.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EACH payment allows you to pay employees and vendors online through direct deposit. Through a partnership with Zelle, Chase allows members to send and receive money directly from their online checking account.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EProtection services and account monitoring helps safeguard your account from fraud.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Chase Business Online\" data-imagegroup=\"{"alt":"chase-logo.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Chase","imageData":{"id":"df5d11a3-35a2-4584-9229-22ab56c35d7a","title":"best-online-business-bank-account-chase","filename":"chase-logo.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.zdnet.com\u002Fi\u002F2021\u002F05\u002F11\u002Fdf5d11a3-35a2-4584-9229-22ab56c35d7a\u002Fchase-logo.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":56400,"width":1600,"height":1069,"dateCreated":{"date":"2021-05-11 18:19:23","timezone":"UTC"},"dateUpdated":{"date":"2021-05-11 18:19:39","timezone":"UTC"},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"best-online-business-bank-account-chase.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"typeName":"content_image"},"uuid":"df5d11a3-35a2-4584-9229-22ab56c35d7a","imageAltText":"chase-logo.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Chase","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"chase-logo.jpg","imageDateCreated":"2021\u002F05\u002F11","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Chase\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.chase.com\u002Fbusiness\u002Fonline-banking\u002Fmanage-account-online","url":"https:\u002F\u002Fwww.chase.com\u002Fbusiness\u002Fonline-banking\u002Fmanage-account-online"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9254e1b3-c599-4001-bd55-3762fc53cf60\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're a small business owner seeking the convenience of an online bank account with a personal touch that understands your needs, Small Business Bank is a great option. Small Business Bank offers online banking for small businesses of every type -- whether sole proprietors, small LLCs, or corporations.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EAdvantages\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ESmall Business Bank is FDIC-insured and offers its members free business checking and two online saving account options: High Yield Savings and Money Market Savings.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EThere are no monthly maintenance fees or minimums for members.\u003C\u002Fli\u003E\u003Cli\u003ESaving account options allow members to manage cash flow, whether it's setting it aside for taxes or investing your business profits -- all with competitive interest rates.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EHigh Yield Savings can be opened with a $100 minimum, yielding a 0.20% annual percentage yield (APY) on daily balances of less than $100,000. The Money Market Savings account yields a 0.75% APR on balances less than $100,000, with a minimum of $10,000 to open.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EThere are no physical locations, so small business owners can sign up for their free checking and business savings accounts completely online. Mobile banking is also available.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Small Business Bank\" data-imagegroup=\"{"alt":"small-business-bank.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"SBB","imageData":{"id":"b267ef7f-838e-4963-b441-e9b69e11d0db","title":"best-online-business-bank-account-sbb","filename":"small-business-bank.png","path":"https:\u002F\u002Fgcp-prod-image-resizer.zdnet.com\u002Fi\u002F2021\u002F05\u002F11\u002Fb267ef7f-838e-4963-b441-e9b69e11d0db\u002Fsmall-business-bank.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":260066,"width":1600,"height":1069,"dateCreated":{"date":"2021-05-11 18:19:47","timezone":"UTC"},"dateUpdated":{"date":"2021-05-11 18:19:54","timezone":"UTC"},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":null,"alt":"best-online-business-bank-account-sbb.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"typeName":"content_image"},"uuid":"b267ef7f-838e-4963-b441-e9b69e11d0db","imageAltText":"small-business-bank.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"SBB","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"small-business-bank.png","imageDateCreated":"2021\u002F05\u002F11","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"SBB\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Small Business Bank","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.smallbusinessbank.com\u002F","url":"https:\u002F\u002Fwww.smallbusinessbank.com\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7127ffc5-77fc-4f49-b349-27fb4551143f\" data-edition=\"us\" data-description=\"\u003Cp\u003EBlueVine is another great online bank account option for business owners who enjoy earning interest on their money. BlueVine is FDIC-insured. &nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EAdvantages\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EBlueVine has excellent online features, competitive interest rates, and support for small business owners.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMembers will enjoy competitive interest rates on their business checking accounts, yielding 1% APY on balances under $100,000.\u003C\u002Fli\u003E\u003Cli\u003EBlueVine puts business owners in control of their online format and mobile banking app. Members can view balances on the go, make transfers, and deposit checks with the snap of a picture.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EAlthough there are no physical locations, business owners can use BlueVine's business debit card to make cash withdrawals at over 38,000 ATM locations.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EChecking account transactions are unlimited, no minimum balance is required, and there are no fees for non-sufficient funds. Members can schedule payments with vendors and pay bills with easy-to-use money management features.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"BlueVine\" data-imagegroup=\"{"alt":"ezgif-com-gif-maker-22-1.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"BlueVine","imageData":{"id":"a5b0f84b-973d-4a46-a99b-1a7b8017d64e","title":"best-online-business-bank-account-bluevine","filename":"ezgif-com-gif-maker-22-1.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.zdnet.com\u002Fi\u002F2021\u002F05\u002F11\u002Fa5b0f84b-973d-4a46-a99b-1a7b8017d64e\u002Fezgif-com-gif-maker-22-1.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":339649,"width":1600,"height":1069,"dateCreated":{"date":"2021-05-11 18:20:02","timezone":"UTC"},"dateUpdated":{"date":"2021-05-11 18:20:11","timezone":"UTC"},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"best-online-business-bank-account-bluevine.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"typeName":"content_image"},"uuid":"a5b0f84b-973d-4a46-a99b-1a7b8017d64e","imageAltText":"ezgif-com-gif-maker-22-1.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"BlueVine","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ezgif-com-gif-maker-22-1.jpg","imageDateCreated":"2021\u002F05\u002F11","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"BlueVine\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"BlueVine","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.bluevine.com\u002F","url":"https:\u002F\u002Fwww.bluevine.com\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"994cf324-7ff1-4dd7-93d9-af76af68fd30\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you are a new business owner looking to set up a simple online banking account, then Axos Bank is a great choice. Axos Bank is FDIC-insured.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EAdvantages\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThe Axos banking experience is hassle-free and has simple online account features.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAxos Bank offers two online checking options: Basic Business Checking and Business Interest Checking. Basic Business offers no maintenance fees and unlimited ATM fee reimbursements on domestic use.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EBusiness Interest Checking allows members with an average daily balance of $5,000 to earn up to 0.81% APY on their checking account. There is no monthly maintenance fee.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EAccount features assist members in managing funds, payment processing, making transactions, automating bills. You can do all of your banking through their mobile banking app.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EAxos Bank also offers business account members options for investments through certificates of deposit (CDs) and Certificate of Deposit Account Registry Service (CDARS) with guaranteed returns. Rates range from 0.15% APY on a three-month term to 0.40% APY on a five-year term for CDs with minimum account balances of $1,000.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EBonus Offer: If you started your business after June 2020, Axos offers a $100 bonus to new business owners when they sign up for a checking account.\u003C\u002Fp\u003E\" data-hed=\"Axos Bank\" data-imagegroup=\"{"alt":"manage-money-d-1.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Axos Bank","imageData":{"id":"c16e9d94-879b-411a-8b80-3cdd0cd7ceab","title":"best-online-business-bank-account-axos","filename":"manage-money-d-1.png","path":"https:\u002F\u002Fgcp-prod-image-resizer.zdnet.com\u002Fi\u002F2021\u002F05\u002F11\u002Fc16e9d94-879b-411a-8b80-3cdd0cd7ceab\u002Fmanage-money-d-1.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":378977,"width":1600,"height":1069,"dateCreated":{"date":"2021-05-11 18:20:29","timezone":"UTC"},"dateUpdated":{"date":"2021-05-11 18:20:37","timezone":"UTC"},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":null,"alt":"best-online-business-bank-account-axos.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"typeName":"content_image"},"uuid":"c16e9d94-879b-411a-8b80-3cdd0cd7ceab","imageAltText":"manage-money-d-1.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Axos Bank","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"manage-money-d-1.png","imageDateCreated":"2021\u002F05\u002F11","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Axos Bank\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Axos Bank","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.axosbank.com\u002F","url":"https:\u002F\u002Fwww.axosbank.com\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3282b0bf-3f1e-4a37-b5e2-0849df86bd7b\" data-edition=\"us\" data-description=\"\u003Cp\u003ERadius Bank is another online bank with banking account features perfect for small business owners. Radius Bank is FDIC-insured.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EAdvantages\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ERadius Bank's online checking account boasts superior online mobile banking features and money management platforms.&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ERadius Bank features digital invoicing with Autobooks. Digital payment options make it easy for customers to pay you -- all linked to your checking account. Syncing with other account software like QuickBooks is easy.\u003C\u002Fli\u003E\u003Cli\u003EWith the Radius Bank Mobile app, business owners can track payment activity, review account balances and history, reorder or deposit checks, and make internal transfers or payments to vendors. The app also offers 24\u002F7 chat support.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EMembers will enjoy unlimited transactions with online checking accounts, with no maintenance fees for accounts with a minimum of $5,000. Members with minimum balances of $5,000 or more can earn up to 0.10% APY on their checking accounts.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ETo make business purchases faster, business owners can create a mobile wallet, linking their Radius Bank debit card to Apple Pay, Samsung Pay, and Google Pay.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Radius Bank\" data-imagegroup=\"{"alt":"lendingclub-ld1-radius-debit-card-bankrate.gif","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Radius Bank","imageData":{"id":"2813f71a-0a2e-4812-b68b-7c5a7077a1bb","title":"best-online-business-bank-account-bankrate","filename":"lendingclub-ld1-radius-debit-card-bankrate.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.zdnet.com\u002Fi\u002F2021\u002F05\u002F11\u002F2813f71a-0a2e-4812-b68b-7c5a7077a1bb\u002Flendingclub-ld1-radius-debit-card-bankrate.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":469655,"width":1600,"height":1069,"dateCreated":{"date":"2021-05-11 18:20:51","timezone":"UTC"},"dateUpdated":{"date":"2021-05-11 18:21:00","timezone":"UTC"},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"best-online-business-bank-account-bankrate.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"typeName":"content_image"},"uuid":"2813f71a-0a2e-4812-b68b-7c5a7077a1bb","imageAltText":"lendingclub-ld1-radius-debit-card-bankrate.gif","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Radius Bank","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"lendingclub-ld1-radius-debit-card-bankrate.jpg","imageDateCreated":"2021\u002F05\u002F11","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Radius Bank\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Radius Bank","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fradiusbank.com\u002F","url":"https:\u002F\u002Fradiusbank.com\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8541079f-1485-489d-9e53-6e5244285f47\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many factors to consider before choosing an online bank account for your business. Here are some of the most important:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ETrusted and secure:\u003C\u002Fstrong\u003E&nbsp;There is no need to waste time with an online bank that doesn't have the customer's financial security as a top priority. Look for online banks that the FDIC insures.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EServices and management tools:\u003C\u002Fstrong\u003E&nbsp;What services will you need? A checking and savings account? Will you need a business credit card? Merchant services? Employee cards too? Most online banks offer payment tools and money management services. Find one that works for your business.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ERates and fees:\u003C\u002Fstrong\u003E&nbsp;Many online banks can offer higher interest rates on deposit accounts than traditional banking institutions, so if interest-bearing is important, make sure you compare the rates. Also, be mindful of service fees -- overdraft fees, minimum balance fees, monthly service fees, and more.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ESupport:\u003C\u002Fstrong\u003E&nbsp;It is vitally important to find an online bank with an excellent online help center, a reputation of great customer service, and a superior mobile app for banking on the go.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Which online business bank account is right for you?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"26bd3ece-5599-4f92-8186-ba6c89bb314c\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fnab-announces-plan-to-shut-down-more-branches-in-the-wake-of-online-banking\u002F"\u003EOnline banking is here to stay\u003C\u002Fa\u003E&nbsp;and choosing an online bank account for your business requires careful consideration. Security is always paramount -- finding a bank that is FDIC-insured should be a top priority.\u003C\u002Fp\u003E\u003Cp\u003EIn addition, account management features, mobile platforms, potential interest return rates on your money, transaction fees, and overall banking convenience are factors to consider when making the right decision for your business account.\u003C\u002Fp\u003E\u003Cp\u003EYou need to know what services would best serve you and, in effect, help you to best serve your customers and clients.\u003C\u002Fp\u003E\" data-hed=\"What else should you consider when choosing for your business?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-05-12 05:00:00",timezone:"UTC",updated:c,published:c},description:"Online banking is rising in popularity among business owners. It requires careful consideration to find the best online business account that works for you.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"4f0965a5-66b6-4466-ad82-8590bebdd667",image:{id:"5a09df3f-5361-49ea-ad8a-facb1ac9d92b",filename:"pexels-cottonbro-3944405.jpg",dateCreated:{created:c,date:"2021-04-29 20:56:17",timezone:"UTC",updated:c,published:c},alt:"pexels-cottonbro-3944405.jpg",credits:"cottonbro",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F04\u002F29\u002F5a09df3f-5361-49ea-ad8a-facb1ac9d92b\u002Fpexels-cottonbro-3944405.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:"The best online business bank accounts: Chase isn't your only option",section:b,slug:"best-online-business-bank-account",startYear:c,summary:b,title:"Best online business bank accounts 2022",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ESometimes, the best way to make money is to use the money you already have. That is where a cash management account can help.  \u003C\u002Fp\u003E\u003Cp\u003EAlso known as a CMA, a cash management account is a cash account that allows you to earn interest on your existing balance. It manages to combine many of the key features of a checking account, like bill pay, direct deposit, and ATM access, with accounts like savings and investment to help grow your balance based on variable annual percentage yields (APYs). These accounts are sometimes offered by financial service providers, not banks, so there are some features lacking. Many providers do not offer a brick-and-mortar location for you to visit in person, instead of delegating all account services to the digital realm.  \u003C\u002Fp\u003E\u003Cp\u003EWith so many choices today, it can be difficult to find the right cash management account to park your money, but we have done an in-depth analysis of today's leading providers. Based on the most current data available, these are the best cash management accounts today. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ef91d68a-7313-4c1e-a79a-fc4ec125002e\" data-edition=\"us\" data-description=\"\u003Ch3\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EBetterment's Cash Reserve program partners with leading banks to provide clients with a high-yield savings solution. When you deposit funds into the Cash Reserve, these program banks pay a variable interest rate to help your savings grow.&nbsp;\u003Ca href="https:\u002F\u002Fbetterment.evyy.net\u002Fc\u002F159047\u002F96536\u002F2299?&amp;sharedId=zdnet&amp;u=https%3A%2F%2Fwww.betterment.com%2Flegal%2Fcash-reserve-program-banks%2F&amp;subId1=[subid_value]" target="_blank"\u003EProgram banks\u003C\u002Fa\u003E include Wells Fargo Bank, HSBC Bank, and Bancorp Bank. The added security of FDIC insurance is up to $1 million for single policies and up to $2 million for joint policies once your money has been deposited with a partner bank.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou can move money as often as you like without penalty, with withdrawals taking 1-2 business days. You can also set up buckets for different purposes with the added option of auto-deposit to simplify life. For additional support, Betterment offers financial support and retirement planning tools. With the Betterment Satisfaction Guarantee, Betterment will work with you to resolve any issues while waiving the Betterment management fee for up to three months.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThere is a&nbsp;\u003Ca href="https:\u002F\u002Fbetterment.evyy.net\u002Fc\u002F159047\u002F96536\u002F2299?&amp;sharedId=zdnet&amp;u=https%3A%2F%2Fwww.betterment.com%2Fpricing%2F&amp;subId1=[subid_value]" target="_blank"\u003E0.10% APY\u003C\u002Fa\u003E on your savings account with a variable APY that tracks the Fed Fund Rate. A minimum balance of $10 is required to open your account, but there is no minimum balance after your account is open.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ESavings buckets to organize your money\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EJoint accounts available\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EFDIC-insured up to $2 million\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo cash deposits\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ERestricted direct deposit&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo physical branches\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Betterment\" data-superlative=\"Best savings tools\" data-imagegroup=\"{"alt":"betterment-logo.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: Betterment","imageData":{"id":"c2d18dd5-1dcc-437e-96ac-a6cd98b18817","title":"betterment-logo","filename":"betterment-logo.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2022\u002F02\u002F16\u002Fc2d18dd5-1dcc-437e-96ac-a6cd98b18817\u002Fbetterment-logo.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":6776,"width":1200,"height":628,"dateCreated":{"date":"2022-02-16 18:20:31","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-02-16 18:20:46","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"Betterment","alt":"betterment-logo.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["banking","betterment","finance","money"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"c2d18dd5-1dcc-437e-96ac-a6cd98b18817","imageAltText":"betterment-logo.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: Betterment","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"betterment-logo.png","imageDateCreated":"2022\u002F02\u002F16","imageWidth":1200,"imageHeight":628,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: Betterment\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fbetterment.evyy.net\u002Fc\u002F159047\u002F96536\u002F2299?&sharedId=zdnet&u=https%3A%2F%2Fwww.betterment.com%2Fpricing%2F&subId1=[subid_value]","offerMerchant":"Betterment","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.betterment.com\u002Fpricing\u002F","url":"https:\u002F\u002Fbetterment.evyy.net\u002Fc\u002F159047\u002F96536\u002F2299?&sharedId=zdnet&u=https%3A%2F%2Fwww.betterment.com%2Fpricing%2F&subId1=[subid_value]"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cc60349c-dd66-4202-8383-913fbd45df99\" data-edition=\"us\" data-description=\"\u003Ch3\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EFidelity has already made a name for itself for investment accounts, so it may come as little surprise that it also has one of the best cash management accounts.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThis is a brokerage account that is FDIC-insured up to $1.25 million while combining the best features of a checking and savings account. Through its FDIC Deposit Sweep program, your account earns interest on your balance while also benefiting from convenient features like ATM withdrawals, access to a debit card, and even free checks. Fidelity partners with program banks that include JP Morgan Chase Bank, Santander Bank, and CitiBank.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFidelity's Cash Manager tool is an invaluable resource when it comes to managing your account. Use the service to control your account with minimum and maximum target balances and minimum transfer targets. &nbsp;&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThere are no account or commission fees for Fidelity's Cash Management Account. There is an 0.01% APY on available balances.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo account or commission fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E7,000+ investment options\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo account minimums\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ELow-interest rate\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELimited branch locations\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EIt does not support&nbsp;cryptocurrency\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Fidelity\" data-superlative=\"Best for ATM use\" data-imagegroup=\"{"alt":"fedility.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: Casimiro PT \u002F Shutterstock","imageData":{"id":"6ae6029e-0a63-4a4e-97ff-7eb38e4308ff","title":"fedility","filename":"fedility.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F29\u002F6ae6029e-0a63-4a4e-97ff-7eb38e4308ff\u002Ffedility.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1003284,"width":1600,"height":1069,"dateCreated":{"date":"2021-09-29 15:24:54","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-29 15:25:04","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"By Casimiro PT -- Shutterstock","alt":"fedility.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"6ae6029e-0a63-4a4e-97ff-7eb38e4308ff","imageAltText":"fedility.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: Casimiro PT \u002F Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"fedility.jpg","imageDateCreated":"2021\u002F09\u002F29","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: Casimiro PT \u002F Shutterstock\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Fidelity","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.fidelity.com\u002Fcash-management\u002Ffidelity-cash-management-account\u002Foverview","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e0d443ee-3374-416f-bb9b-8763b088328d\" data-edition=\"us\" data-description=\"\u003Ch3\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EMorgan Stanley's CashPlus cash management account comes in two forms: the Premier CashPlus and Platinum CashPlus. The Platinum CashPlus offers extra perks, like an annual bonus and extra Experian enrollments.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ERegardless of which account you choose, you can access cash from banks and tellers that take Mastercard. Account management is made easy with both online and mobile app management, plus there are extra perks like Experian identity and credit protection with monthly reporting, real-time alerts, and extra integrated Mastercard protections. Security features include cash management alerts with the ability to lock and unlock your debit card.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EMorgan Stanley also offers a $695 annual engagement bonus when you sign up for Platinum CashPlus.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EMorgan Stanley CashPlus does not have many of the standard fees, such as cash advance, ATM or foreign transaction fees. There is no account fee when you maintain total monthly deposits of $2,500 for the Premier and $5,000 for the Platinum. Otherwise, fees cost about $15 or $45 per month.\u003C\u002Fp\u003E\u003Cp\u003EThere is an APY of up to 0.75%.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EUse anywhere Mastercard is accepted\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EUnlimited ATM fee rebates\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EAnnual bonus\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EThe high threshold to skip account fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EIt may be difficult to qualify&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELimited FDIC insurance\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Morgan Stanley CashPlus\" data-superlative=\"Best accessibility\" data-imagegroup=\"{"alt":"morgan-stanley.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: Morgan Stanley","imageData":{"id":"0fec6e39-ede2-43e0-bebc-c92cf2f67da2","title":"morgan-stanley","filename":"morgan-stanley.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F29\u002F0fec6e39-ede2-43e0-bebc-c92cf2f67da2\u002Fmorgan-stanley.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":29256,"width":289,"height":174,"dateCreated":{"date":"2021-09-29 15:35:28","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-29 15:35:36","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"Morgan Stanley","alt":"morgan-stanley.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"0fec6e39-ede2-43e0-bebc-c92cf2f67da2","imageAltText":"morgan-stanley.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: Morgan Stanley","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"morgan-stanley.png","imageDateCreated":"2021\u002F09\u002F29","imageWidth":289,"imageHeight":174,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: Morgan Stanley\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Morgan Stanley","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.morganstanley.com\u002Fwhat-we-do\u002Fwealth-management\u002Fcashplus","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0509c3fc-fda9-4833-9f44-b93b0eaca5c2\" data-edition=\"us\" data-description=\"\u003Ch3\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EAvailable via Personal Capital Services Corporation, Personal Capital Cash offers a mobile and family-friendly solution to cash management.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EHere, there is the option for a joint account, making it a great option for couples and families. Accounts are FDIC-insured up to $1.5 million for greater protection and peace of mind. To help keep you organized, Personal Capital offers optional direct deposit and monthly bill pay. Plus, you can easily manage all of these services when you access your account via the mobile app or online access.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere are no restrictions on the number of monthly transfers you can make, although there is a maximum withdrawal of $100,000 per day.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EPersonal Capital Cash has no account fees and no minimum balance. There are also no limits regarding the number of deposits or withdrawals for your account. There is a maximum deposit limit of $250,000 per transaction, and you can wire up to $1 million without any fees.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELarge wire limits\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EConvenient mobile app\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ELow APY\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo ATMs\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELacking physical branches\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Personal Capital Cash\" data-superlative=\"Best for large transactions\" data-imagegroup=\"{"alt":"personal-capital-logo.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: Personal Capital","imageData":{"id":"09a69aa1-37d9-4c8c-b9a0-66cff80b5733","title":"personal-capital-logo","filename":"personal-capital-logo.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2022\u002F02\u002F16\u002F09a69aa1-37d9-4c8c-b9a0-66cff80b5733\u002Fpersonal-capital-logo.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":307228,"width":1400,"height":743,"dateCreated":{"date":"2022-02-16 18:19:06","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-02-16 18:19:25","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Personal Capital","alt":"personal-capital-logo.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["banking","finance","money","personal capital"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"09a69aa1-37d9-4c8c-b9a0-66cff80b5733","imageAltText":"personal-capital-logo.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: Personal Capital","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"personal-capital-logo.jpg","imageDateCreated":"2022\u002F02\u002F16","imageWidth":1400,"imageHeight":743,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: Personal Capital\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fpersonalcapital.sjv.io\u002Fc\u002F159047\u002F1031020\u002F13439?&sharedId=zdnet&u=https%3A%2F%2Fwww.personalcapital.com%2Fcash&subId1=[subid_value]","offerMerchant":"Personal Capital Cash","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.personalcapital.com\u002Fcash","url":"https:\u002F\u002Fpersonalcapital.sjv.io\u002Fc\u002F159047\u002F1031020\u002F13439?&sharedId=zdnet&u=https%3A%2F%2Fwww.personalcapital.com%2Fcash&subId1=[subid_value]"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0450abc0-c878-4873-922f-80babecfef18\" data-edition=\"us\" data-description=\"\u003Ch3\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ERobinhood brings serious support with program banks, including leading institutions like Goldman Sachs Bank, HSBC Bank, and Wells Fargo Bank.\u003C\u002Fp\u003E\u003Cp\u003EWith its cash management account, you receive access to over 75,000 ATMs, which is far more locations than many other cash management accounts. You also benefit from extra safety protocols, like up to $1.25 million of FDIC protection and Mastercard's Zero Liability Protection against fraudulent transactions. Robinhood utilizes leading security measures to keep your account secure, including encryption, TLS protocol, and machine learning fraud protection.\u003C\u002Fp\u003E\u003Cp\u003EAccount-holders also have the option of extra features, such as transaction notifications and location protection, if your card is used too far from your phone.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ERobinhood offers an impressive&nbsp;\u003Ca href="https:\u002F\u002Fcdn.robinhood.com\u002Fassets\u002Frobinhood\u002Flegal\u002FRHF%20Fee%20Schedule.pdf"\u003E0.30% APY\u003C\u002Fa\u003E on its cash management account. There are also no fees, including no charges for overdrafts, account minimums, transfers, or foreign transactions.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo account fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E75,000+ ATMs\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo foreign transaction fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo in-person banking\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo cash deposits\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EOut-of-network ATM fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Robinhood\" data-superlative=\"Best for high interest\" data-imagegroup=\"{"alt":"robinhood-preview-v2.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: Robinhood","imageData":{"id":"3365a4e3-2b14-4e15-9e39-e56d66c9c1ce","title":"robinhood-preview-v2","filename":"robinhood-preview-v2.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2022\u002F02\u002F16\u002F3365a4e3-2b14-4e15-9e39-e56d66c9c1ce\u002Frobinhood-preview-v2.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":81674,"width":1300,"height":740,"dateCreated":{"date":"2022-02-16 18:13:54","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-02-16 18:14:10","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"Robinhood","alt":"robinhood-preview-v2.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["banking","finance","money","robinhood"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"3365a4e3-2b14-4e15-9e39-e56d66c9c1ce","imageAltText":"robinhood-preview-v2.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: Robinhood","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"robinhood-preview-v2.png","imageDateCreated":"2022\u002F02\u002F16","imageWidth":1300,"imageHeight":740,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: Robinhood\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Frobinhood.c3me6x.net\u002Fc\u002F159047\u002F662405\u002F10402?&sharedId=zdnet&u=https%3A%2F%2Frobinhood.com%2Fus%2Fen%2Fabout%2Fcash-management%2F&subId1=[subid_value]","offerMerchant":"Robinhood","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Frobinhood.com\u002Fus\u002Fen\u002Fabout\u002Fcash-management\u002F","url":"https:\u002F\u002Frobinhood.c3me6x.net\u002Fc\u002F159047\u002F662405\u002F10402?&sharedId=zdnet&u=https%3A%2F%2Frobinhood.com%2Fus%2Fen%2Fabout%2Fcash-management%2F&subId1=[subid_value]"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9a52a6f2-483b-4374-b39d-3331d4b8e134\" data-edition=\"us\" data-description=\"\u003Ch3\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIn cooperation with The Bancorp Bank, SoFi's cash management account comes with the SoFi Money World Debit Mastercard. You get access to more than 55,000 ATMs across the world without any ATM fees.\u003C\u002Fp\u003E\u003Cp\u003EHow much you earn depends on the amount of money you keep in your account. When you deposit a minimum of $500 into your account each month, you earn an APY of 0.25%, compared to the 0.01% APY that would otherwise apply. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003EEven better, SoFi offers a ton of membership perks not seen with other companies. This includes a 0.125% rate discount when you take out a SoFi loan. There are also free career services, including one-on-one consultations for job searches and transitions. &nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ESoFi offers an 0.25% APY when you maintain a minimum of $500 in monthly deposits. Otherwise, the APY is 0.01%. There are no ATM or account fees. However, although SoFi does not charge foreign transactions fees, you may face a 0.20% foreign exchange fee from MasterCard.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EHigh APY\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo ATM fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EATM fee reimbursement\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EConditional account fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo physical branches\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ETransaction limits\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"SoFi\" data-superlative=\"Best rewards\" data-imagegroup=\"{"alt":"sofi.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: SoFi","imageData":{"id":"13aff031-ac88-477b-8ec5-897ce9f44acb","title":"sofi","filename":"sofi.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F29\u002F13aff031-ac88-477b-8ec5-897ce9f44acb\u002Fsofi.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":69081,"width":512,"height":269,"dateCreated":{"date":"2021-09-29 15:53:03","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-29 15:53:11","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"SoFi","alt":"sofi.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"13aff031-ac88-477b-8ec5-897ce9f44acb","imageAltText":"sofi.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: SoFi","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"sofi.png","imageDateCreated":"2021\u002F09\u002F29","imageWidth":512,"imageHeight":269,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: SoFi\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"SoFi","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.sofi.com\u002Fmoney\u002F","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e94a137a-4483-4395-a655-02efe3ea1034\" data-edition=\"us\" data-description=\"\u003Ch3\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EWealthfront's&nbsp;\u003Ca href="https:\u002F\u002Fsupport.wealthfront.com\u002Fhc\u002Fen-us\u002Farticles\u002F360043196472-What-is-the-Wealthfront-Cash-Account-"\u003Ecash management account\u003C\u002Fa\u003E works with banks like Green Dot to provide a debit card with access to over 19,000 ATMs. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWealthfront does not just offer individual accounts, either. There are also joint and trust accounts if you are looking for something different from the everyday account. Accounts are FDIC-insured up to $1 million.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAdditional account services include instant transfers and easy bill pay, plus the ability to send and deposit checks. When you use direct deposit for your check, you could receive funds up to two days before your payday. To keep your account secure, there is active fraud monitoring.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EWealthfront's cash management account holds a 0.10 APY. There are no account, overdraft, or transfer fees, but you will need $1 to open your account.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EThree types of plans\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EAvailable bill pay\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EDirect deposit up to 2 days early\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E$1 million FDIC insurance\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELow APY\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EA limited number of ATMs\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Wealthfront\" data-superlative=\"Best for smaller balances\" data-imagegroup=\"{"alt":"wealthfront-logo-better.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: Wealthfront","imageData":{"id":"de6a3b2b-79f4-4784-9cac-de207f4f2e40","title":"wealthfront-logo-better","filename":"wealthfront-logo-better.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2022\u002F02\u002F16\u002Fde6a3b2b-79f4-4784-9cac-de207f4f2e40\u002Fwealthfront-logo-better.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":77515,"width":512,"height":250,"dateCreated":{"date":"2022-02-16 18:23:01","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-02-16 18:23:17","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"Wealthfront","alt":"wealthfront-logo-better.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["banking","finance","money","wealthfront"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"de6a3b2b-79f4-4784-9cac-de207f4f2e40","imageAltText":"wealthfront-logo-better.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: Wealthfront","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"wealthfront-logo-better.png","imageDateCreated":"2022\u002F02\u002F16","imageWidth":512,"imageHeight":250,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: Wealthfront\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Wealthfront","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.wealthfront.com\u002Fcash","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f34dc184-ec62-4784-8e4f-99d98925e6ce\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo find the best cash management accounts, there are several factors that we analyzed for each provider:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EAPY\u003C\u002Fstrong\u003E: The first thing many people consider is the APY or annual percentage yield. This is how much will be earned on your account balance. &nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E: There are many fees that can eat into your earnings, such as an account fee.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EATM network\u003C\u002Fstrong\u003E: It is important to consider the size of your network and the number of ATMs available for you to use without extra fees.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EDebit card\u003C\u002Fstrong\u003E: If you regularly want to access your money, a debit card and checks can help you spend as needed.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EDirect deposit\u003C\u002Fstrong\u003E: Some accounts allow you to deposit your paycheck into your account up to two days early when you use direct deposit. &nbsp;&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ETools and resources\u003C\u002Fstrong\u003E: Some companies offer additional tools and resources, such as fraud protection and even career services.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EBefore you choose the best cash&nbsp;management account for you, consider which features are most important to you.\u003C\u002Fp\u003E\" data-hed=\"How did we choose these accounts?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"53239f1c-0845-4b14-895e-33a9213b126f\" data-edition=\"us\" data-description=\"\u003Cp\u003EA cash management account (CMA) is an account that receives interest based on the balance you keep in the account. Commonly available through non-bank financial providers, it combines the features of a traditional checking and savings account with the benefits of an investment product. \u003C\u002Fp\u003E\" data-hed=\"What is a cash management account?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0adb4379-4d25-428b-b20f-2a396cee822c\" data-edition=\"us\" data-description=\"\u003Cp\u003EMany cash management accounts offer easy online signup. You will need to provide personal details to submit your application. Once your account is open, you can link funding sources, like your bank account or direct deposit.\u003C\u002Fp\u003E\" data-hed=\"How do I sign up for a cash management account?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3dc85235-1abe-4299-a160-439b8699d0af\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many choices for the best cash management account, but the best option depends on your personal needs. Consider factors like fees, ATM networks, and benefits to differentiate between providers so you can find the best cash management account for your finances.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is the best cash management account?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"385194e4-3e60-444a-a531-8166b919f242\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile the accounts above are our picks for the best card management accounts, there are many other options available today.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ESome other cash management accounts we considered include:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EAspiration: 1.00% APY\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELendingClub: 0.15% APY\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ETD Ameritrade: 0.01%\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternatives worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"29d70028-abc8-436e-bb80-d1b425f452ac\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F29d70028-abc8-436e-bb80-d1b425f452ac\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cbr\u003E\u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-09-30 23:00:00",timezone:"UTC",updated:c,published:c},description:"You can earn up to 30% APY with the top cash management accounts.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"37cdde14-b60b-4aad-990c-7be80012c74b",image:{id:"e90bef5c-f13d-491d-923d-45f586e372e3",filename:"cash-management.jpg",dateCreated:{created:c,date:"2021-09-29 16:11:10",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"By Number1411 -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F29\u002Fe90bef5c-f13d-491d-923d-45f586e372e3\u002Fcash-management.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:"The best cash management accounts in 2021",section:b,slug:"the-best-cash-management-account",startYear:c,summary:b,title:"The best cash management account",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"74cfda70-fed9-47f5-b27e-f508b105c76f",username:"Mandy Sleight",profileUrl:c,email:c,firstName:"Mandy",lastName:"Sleight",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"887522cb-bafd-4ac6-bef5-89319a0851ec",filename:"mandy-sleight-author.png",dateCreated:{created:c,date:"2021-07-06 17:22:43",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F887522cb-bafd-4ac6-bef5-89319a0851ec\u002Fmandy-sleight-author.png",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Mandy Sleight has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar, and has been a licensed insurance agent since 2005. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EForming an LLC or limited liability company provides limited liability protection to protect the owners' personal assets from being considered to pay or settle a debt for the business unless personally guaranteed by an owner. Having a business bank account is one way for an LLC and its owners to separate their personal and business finances. \u003C\u002Fp\u003E\u003Cp\u003EOpening a business bank account as an LLC will also help you with establishing and obtaining credit or a loan under the LLC. Without an established account, one or more owners may have to personally guarantee large transactions, which will make them personally liable for the debt if the LLC defaults.\u003C\u002Fp\u003E\u003Cp\u003EThere are other benefits to getting a business bank account for your LLC. Bookkeeping and taxes become easier with separate finances from the owner. And even though there are perks and benefits to having a business bank account, it does not have to be specifically for business, as long as it's separate from your personal finances. LLC owners can choose a business bank account from several options, including brick-and-mortar or online-only banks, local, regional, or national financial institutions. \u003C\u002Fp\u003E\u003Cp\u003EHere are our top picks for the best business bank accounts for your LLC.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b1bc2f6d-c716-45cd-9e54-7c8daa1d061f\" data-edition=\"us\" data-description=\"\u003Cp\u003ECapital One has you covered whether you prefer to bank in person, online, or through the mobile app. The Spark Business Unlimited Checking account offers unlimited business transactions, no fee cash deposits, and free incoming domestic wires per month. You can also complete five free outgoing domestic wires with the Spark Business Unlimited Checking account.\u003C\u002Fp\u003E\u003Cp\u003EWith this business bank account for your LLC, you also have access to two free basic checking accounts. There is a $35 monthly service fee, but it can be waived if there is a $25 000 minimum 30 or 90-day average balance. The Spark Business Basic Checking account is another option with a lower fee of $15 per month but can be waived with a minimum 30 or 90-days average balance of $2000.\u003C\u002Fp\u003E\u003Cp\u003EEach business bank account with Capital One is FDIC-insured up to $250 000 per account, so you can bank with Capital One knowing your money is safe. You only need $250 to get started with a Spark Business Unlimited Checking account and have access to over 40 000 fee-free Capital One and Allpoint ATMs.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EUnlimited monthly business transactions.\u003C\u002Fli\u003E\u003Cli\u003EFree incoming domestic wires.\u003C\u002Fli\u003E\u003Cli\u003EFree business debit cards.\u003C\u002Fli\u003E\u003Cli\u003EFree online bill pay.\u003C\u002Fli\u003E\u003Cli\u003ETwo free basic checking accounts.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E$35 overdraft fee (can be waived with linked small business deposit account).\u003C\u002Fli\u003E\u003Cli\u003E$35 monthly maintenance fee (can be waived as outlined above).\u003C\u002Fli\u003E\u003Cli\u003EDesigned for businesses with less than $40,000 monthly cash deposits.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Spark Business Unlimited Checking\" data-superlative=\"Best for small- to medium-sized businesses\" data-imagegroup=\"{"alt":"spark-business-unlimited-checking.jpg","caption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","credits":"","imageData":{"id":"75173ba7-31c9-4f6e-96d5-3a1c1b46e29d","title":"spark-business-unlimited-checking","filename":"spark-business-unlimited-checking.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.prod.zdnet.com\u002Fi\u002F2021\u002F07\u002F13\u002F75173ba7-31c9-4f6e-96d5-3a1c1b46e29d\u002Fspark-business-unlimited-checking.jpg","caption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","size":1245512,"width":1600,"height":1069,"dateCreated":{"date":"2021-07-13 15:31:28","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-07-13 15:31:39","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"spark-business-unlimited-checking.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"75173ba7-31c9-4f6e-96d5-3a1c1b46e29d","imageAltText":"spark-business-unlimited-checking.jpg","imageCaption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"spark-business-unlimited-checking.jpg","imageDateCreated":"2021\u002F07\u002F13","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Capital One","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.capitalone.com\u002Fsmall-business-bank\u002Fchecking-accounts\u002Funlimited-transactions\u002F","url":"https:\u002F\u002Fwww.capitalone.com\u002Fsmall-business-bank\u002Fchecking-accounts\u002Funlimited-transactions\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"78964e6f-bfb7-4669-bc42-9598cd8f98ee\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith a Chase Business Complete Banking checking account, you can accept payments anywhere in the U.S. right through the mobile app with QuickAccept. There are no hidden fees or monthly contracts, with manual transactions costing 3.5% plus 10 cents per transaction or 2.6% plus 10 cents using the QuickAccept contactless mobile card reader. You can also use the Chase mobile app to issue refunds and track disputes.\u003C\u002Fp\u003E\u003Cp\u003EThis business bank account comes with a $15 monthly service fee but has several ways to waive the fee, with only one needed each month for a $0 LLC checking account:&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EMaintain a $2,000 minimum daily balance\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EMake $2,000 in purchase using a Chase Ink Business credit card\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EMake $2,000 in deposits or transactions through QuickAccept or Chase Merchant Services\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELink a Chase Private Client Checking account.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe Chase Business Complete Banking account offers free same-day deposits and multiple ways to send and receive funds, including wire transfers, Chase QuickDeposit, and online bill pay. Chase Bank accounts are FDIC-insured, and the Business Complete Banking account comes with Fraud Protection Services.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EIn-app card and transaction acceptance through QuickAccept.\u003C\u002Fli\u003E\u003Cli\u003EFree same-day deposits if approved by 8 p.m.\u003C\u002Fli\u003E\u003Cli\u003ESend and receive funds multiple ways without visiting a Chase branch.\u003C\u002Fli\u003E\u003Cli\u003EUnlimited electronic deposits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EChase QuickDeposit requires a two-year contract and a monthly maintenance fee of $25 or $50.\u003C\u002Fli\u003E\u003Cli\u003E$15 monthly maintenance fee but can be waived with qualifying transactions or linked account.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Chase Business Complete Banking\" data-superlative=\"Best for completing transactions\" data-imagegroup=\"{"alt":"chase-business-complete-banking.jpg","caption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","credits":"","imageData":{"id":"0dabbee3-1fef-42f0-860c-b8ce325d825c","title":"chase-business-complete-banking","filename":"chase-business-complete-banking.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.prod.zdnet.com\u002Fi\u002F2021\u002F07\u002F13\u002F0dabbee3-1fef-42f0-860c-b8ce325d825c\u002Fchase-business-complete-banking.jpg","caption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","size":2016592,"width":1600,"height":1069,"dateCreated":{"date":"2021-07-13 15:31:48","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-07-13 15:31:51","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"chase-business-complete-banking.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"0dabbee3-1fef-42f0-860c-b8ce325d825c","imageAltText":"chase-business-complete-banking.jpg","imageCaption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"chase-business-complete-banking.jpg","imageDateCreated":"2021\u002F07\u002F13","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fbusiness.chase.com\u002Fchecking\u002Fbusiness-complete-banking\u002F","url":"https:\u002F\u002Fbusiness.chase.com\u002Fchecking\u002Fbusiness-complete-banking\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e00a40d5-8fe1-4fe7-adad-b5621cf903ca\" data-edition=\"us\" data-description=\"\u003Cp\u003EThough BlueVine is not a bank but a financial technology company, it is still FDIC-insured for up to $250 000 per account through The Bancorp Bank. Enjoy unlimited transactions, no insufficient funds or monthly fees with the BlueVine Business checking account. BlueVine offers 1.0% on the first $100 000 balance in your account, which is one of the highest yields in the nation for business checking accounts.\u003C\u002Fp\u003E\u003Cp\u003EBlueVine also offers two free checkbooks, and there is no minimum deposit to start or balance to maintain. Though there are no brick-and-mortar locations, you can deposit checks through the mobile app and cash at over 90,000 Green Dot retail locations. Payments or external account transfers can be made through the BlueVine online dashboard, though outgoing wire transfers incur a $15 fee, and there is no option to accept incoming wire transfers at this time.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EPartnered with MoneyPass, BlueVine checking account holders can withdraw cash for free from over 38 000 ATM branches across the country. Out-of-network ATMs may be charged a fee as determined by the owner, even if the transaction is not completed.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECompletely free business checking account.\u003C\u002Fli\u003E\u003Cli\u003E1% interest on the first $100,000 bank balance.\u003C\u002Fli\u003E\u003Cli\u003ETwo free checkbooks.\u003C\u002Fli\u003E\u003Cli\u003ENo minimum deposit or balance required.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EOnline only.\u003C\u002Fli\u003E\u003Cli\u003ENo incoming wire transfers.\u003C\u002Fli\u003E\u003Cli\u003E$15 outgoing wire transfer.\u003C\u002Fli\u003E\u003Cli\u003ENo brick-and-mortar locations.\u003C\u002Fli\u003E\u003Cli\u003EPossibility for out-of-network ATM fees.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"BlueVine Business Checking\" data-superlative=\"Best for earning interest\" data-imagegroup=\"{"alt":"bluevine-business-checking.jpg","caption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","credits":"","imageData":{"id":"d33898fb-fe7a-4c80-b108-899fb0575a38","title":"bluevine-business-checking","filename":"bluevine-business-checking.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.prod.zdnet.com\u002Fi\u002F2021\u002F07\u002F13\u002Fd33898fb-fe7a-4c80-b108-899fb0575a38\u002Fbluevine-business-checking.jpg","caption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","size":1146775,"width":1600,"height":1069,"dateCreated":{"date":"2021-07-13 15:31:59","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-07-13 15:32:04","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"bluevine-business-checking.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"d33898fb-fe7a-4c80-b108-899fb0575a38","imageAltText":"bluevine-business-checking.jpg","imageCaption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"bluevine-business-checking.jpg","imageDateCreated":"2021\u002F07\u002F13","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"BlueVine","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.bluevine.com\u002Fchecking\u002F","url":"https:\u002F\u002Fwww.bluevine.com\u002Fchecking\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4849f71f-fac3-4932-86b7-6bc0091e98a0\" data-edition=\"us\" data-description=\"\u003Cp\u003EBank of America is the \u003Ca href="https:\u002F\u002Fwww.usbanklocations.com\u002Fbank-rank\u002Fnumber-of-branches.html"\u003Ethird-largest in the country for branch locations\u003C\u002Fa\u003E and is a great option for LLC business owners who prefer the in-person banking experience. The Business Advantage Fundamentals Banking checking account offers several tools to make running your business easier, including integration with QuickBooks, Zelle, digital debit cards, and a virtual financial assistant.\u003C\u002Fp\u003E\u003Cp\u003EAs a Bank of America account holder, you can access a dedicated small business specialist team and fraud protection and security on transactions. Each business debit card comes with a $0 liability guarantee with 24\u002F7 access to Bank of America's fraud department. Get up to 200 free teller transactions and checks written each month with the Bank of America Business Advantage Fundamentals Banking account.\u003C\u002Fp\u003E\u003Cp\u003EBusiness owners with a checking account and a three-month combined $20 000 or more daily average balance can sign up for Preferred Rewards for Business, which provides waived fees, interest rate discounts, and other bonuses. The $16 monthly maintenance fee can be waived if you maintain a $5000 average monthly balance or spend at least $250 each month using your debit card. If you maintain at least a $15 000 average monthly balance, fees can be waived by upgrading to the Business Advantage Relationship Banking account.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EIn-person banking in every U.S. state.\u003C\u002Fli\u003E\u003Cli\u003EIntegration with QuickBooks.\u003C\u002Fli\u003E\u003Cli\u003EZelle for business and digital debit cards.\u003C\u002Fli\u003E\u003Cli\u003E$0 liability guarantee and 24\u002F7 access to the fraud department.\u003C\u002Fli\u003E\u003Cli\u003EApply over the phone, online, or in-person.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EVarious fees for incoming wires and stop payments.\u003C\u002Fli\u003E\u003Cli\u003E$16 monthly maintenance fee (waived if $250 monthly spent using the debit card or maintaining a $5000 combined average monthly balance).\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Bank of America Business Advantage Fundamentals Banking\" data-superlative=\"Best for in-person banking\" data-imagegroup=\"{"alt":"bank-of-america-business-advantage-fundamentals-banking.jpg","caption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","credits":"","imageData":{"id":"2486e441-1c82-40d8-abe7-f29046dcd26e","title":"bank-of-america-business-advantage-fundamentals-banking","filename":"bank-of-america-business-advantage-fundamentals-banking.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.prod.zdnet.com\u002Fi\u002F2021\u002F07\u002F13\u002F2486e441-1c82-40d8-abe7-f29046dcd26e\u002Fbank-of-america-business-advantage-fundamentals-banking.jpg","caption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","size":1773727,"width":1600,"height":1069,"dateCreated":{"date":"2021-07-13 15:32:15","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-07-13 15:32:18","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"bank-of-america-business-advantage-fundamentals-banking.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"2486e441-1c82-40d8-abe7-f29046dcd26e","imageAltText":"bank-of-america-business-advantage-fundamentals-banking.jpg","imageCaption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"bank-of-america-business-advantage-fundamentals-banking.jpg","imageDateCreated":"2021\u002F07\u002F13","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Bank of America","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.bankofamerica.com\u002Fsmallbusiness\u002Fdeposits\u002Fbusiness-advantage-banking\u002Fbusiness-advantage-fundamentals-application\u002F","url":"https:\u002F\u002Fwww.bankofamerica.com\u002Fsmallbusiness\u002Fdeposits\u002Fbusiness-advantage-banking\u002Fbusiness-advantage-fundamentals-application\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"fb5eba7f-4d07-4b87-91ec-5616858ad6cd\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Wells Fargo Initiate Business checking account is a great choice for the LLC working towards growth. With the Initiate Business checking for less-established LLCs, business owners can grow with Wells Fargo by choosing to upgrade to the Navigate and Optimize accounts for better perks in the future. Wells Fargo also has the most branch locations compared to other brick-and-mortar banks, so if you prefer going inside to handle your business accounts, this might be the best choice for you.\u003C\u002Fp\u003E\u003Cp\u003EThe Initiate business checking account comes with a $10 monthly fee that can be waived with a $500 daily balance or $1000 average monthly balance, which is on the lower end of the banks featured in this list. To start the account, you only need $25 as an opening deposit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWells Fargo offers Zero Liability debit card protection and fraud monitoring for unauthorized or fraudulent transactions. There are no fees for the first 100 transactions and $5000 in cash deposits per fee period, and card-free ATM access at participating ATMs with digital wallet support. There is a $2.50 fee for transactions at non-Wells Fargo ATMs. Cash, electronic direct deposits, and incoming wire transfers are available the same business day, which greatly benefits business owners.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EComplete transactions and get help in person, online, or through the mobile app.\u003C\u002Fli\u003E\u003Cli\u003EZero Liability debit card protection and fraud monitoring.\u003C\u002Fli\u003E\u003Cli\u003ELow daily balance to waive the monthly fee.\u003C\u002Fli\u003E\u003Cli\u003EAbility to upgrade your checking account as your business grows.\u003C\u002Fli\u003E\u003Cli\u003EFree online and mobile banking tools.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E$0.50 per transaction after the first 100 transactions per fee period.\u003C\u002Fli\u003E\u003Cli\u003E$0.30 per $100 deposited over the first $5,000 in fee period.\u003C\u002Fli\u003E\u003Cli\u003E$2.50 cash withdrawal fee for non-Wells Fargo ATMs.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Wells Fargo Initiate Business Checking Account\" data-superlative=\"Best for LLC growth\" data-imagegroup=\"{"alt":"wells-fargo-initiate-business-checking-account.jpg","caption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","credits":"","imageData":{"id":"eb32cb09-e0eb-4858-87c7-231a7e7348e4","title":"wells-fargo-initiate-business-checking-account","filename":"wells-fargo-initiate-business-checking-account.jpg","path":"https:\u002F\u002Fgcp-prod-image-resizer.prod.zdnet.com\u002Fi\u002F2021\u002F07\u002F13\u002Feb32cb09-e0eb-4858-87c7-231a7e7348e4\u002Fwells-fargo-initiate-business-checking-account.jpg","caption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","size":1479931,"width":1600,"height":1069,"dateCreated":{"date":"2021-07-13 15:32:26","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-07-13 15:32:28","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"wells-fargo-initiate-business-checking-account.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"eb32cb09-e0eb-4858-87c7-231a7e7348e4","imageAltText":"wells-fargo-initiate-business-checking-account.jpg","imageCaption":"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"wells-fargo-initiate-business-checking-account.jpg","imageDateCreated":"2021\u002F07\u002F13","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E(Image: Shutterstock)\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Wells Fargo","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.wellsfargo.com\u002Fbiz\u002Fchecking\u002Finitiate\u002F","url":"https:\u002F\u002Fwww.wellsfargo.com\u002Fbiz\u002Fchecking\u002Finitiate\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"10ff5f55-3c97-4171-9497-c9bcfacb7907\" data-edition=\"us\" data-description=\"\u003Cp\u003EWe analyzed dozens of online, regional, local, and national banks offering business checking accounts to determine the best products with the most convenience to business owners.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EEach checking account was compared based on a number of features, including:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAccount accessibility.\u003C\u002Fli\u003E\u003Cli\u003ECustomer reviews.\u003C\u002Fli\u003E\u003Cli\u003EFees and interest rates.\u003C\u002Fli\u003E\u003Cli\u003EBalance requirements.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EATM networks.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EPerks and special offers.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAll business checking accounts featured on this list are partnered through FDIC-insured institutions or are members of the FDIC. The Federal Deposit Insurance Corporation protects your bank balance up to the legal limit if the bank fails or becomes insolvent.\u003C\u002Fp\u003E\u003Cp\u003EFee structures, rates, requirements, perks, and special offers are subject to change without notice, and the most up-to-date information may not be referenced. Fees and rates are often based on the \u003Ca href="http:\u002F\u002Ffedprimerate.com\u002F"\u003Eprime rate\u003C\u002Fa\u003E and are subject to fluctuation.\u003C\u002Fp\u003E\u003Cp\u003ESome banks and financial institutions may require deposits or other criteria to be met before opening an account for your LLC. Earnings are dependent on bank balances and associate fees and will vary by bank and account setup.\u003C\u002Fp\u003E\" data-hed=\"How did we choose these products?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3fdab769-2530-4e81-a8b1-fb398dfb2cf6\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe first step to finding the right \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-open-a-business-bank-account\u002F"\u003Ebusiness bank account\u003C\u002Fa\u003E for you is to identify what the most important features are. Whether it's free to access to ATMs, easy account accessibility, mobile banking features, or support tools for business owners, knowing your non-negotiables can help you decide which \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhen-is-it-a-good-idea-to-open-a-business-bank-account\u002F"\u003Ebank account\u003C\u002Fa\u003E is the right one for you.\u003C\u002Fp\u003E\u003Cp\u003EAfter you've narrowed down your choices to three or fewer banks, compare them against each other. There may be perks offered by one that puts it above the rest. Or maybe you prefer the ease of calling to ask a question without jumping through automated hoops to get to a live person. Comparing each company can help identify the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-bank-for-small-business\u002F"\u003Eright business checking account\u003C\u002Fa\u003E.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFinally, compare customer reviews and user experiences to determine the business checking account winner if you haven't narrowed it down to one. Reviews can show how banks handle and resolve issues, plus you may find out expected wait times if you have to call in. With a wide range of \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-online-business-bank-account\u002F"\u003Ebusiness bank accounts\u003C\u002Fa\u003E to choose from, finding the right one may take some time.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBut, if you have to switch, there are still plenty of options to choose from.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Which is the right one for you?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"290b7852-e975-491a-b863-ff83ca2a6865\" data-edition=\"us\" data-description=\"\u003Cp\u003EA business operating as a corporation or limited liability company (LLC) should have a bank account that is separate from the owner's personal bank account but is not required to have a bank account specific to a business.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe name of the LLC must match the name on the business bank account.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Does an LLC need a business bank account?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"df575bff-c8ed-4c40-936f-1b6d6951a78c\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou can, but if you choose a personal checking account for an LLC, it should be separate from personal accounts and only for business transactions.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere are perks to having a business bank account rather than a personal checking account, including purchase power, access to loans and lines of credit, showing professionalism, and certain financial protections.\u003C\u002Fp\u003E\" data-hed=\"Can you use a personal checking account for an LLC?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"527eb117-1381-417a-8f52-bb4675e652c3\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo open a business bank account for an LLC, you will need the business employer identification number (EIN) or tax ID, formation documents, ownership agreement, and a valid business license.\u003C\u002Fp\u003E\u003Cp\u003E&nbsp;Some banks and states may require additional documents, and you should be prepared to provide your own driver's license, name, date of birth, and social security number as the account owner.\u003C\u002Fp\u003E\" data-hed=\"What does an LLC need to open a bank account?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f552a8f2-aa09-4051-bb65-3fb4d3c16e8d\" data-edition=\"us\" data-description=\"\u003Cp\u003EEveryone has their own criteria that make a bank the best in their eyes. This list of some of the best business bank accounts for your LLC is not meant to be complete, and some alternatives may be worth considering, depending on what you are looking for in a business bank.\u003C\u002Fp\u003E\u003Cp\u003EHere are a few more noteworthy LLC business bank accounts to consider:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.usbank.com\u002Fbusiness-banking\u002Fbusiness-bank-accounts\u002Fbusiness-checking.html"\u003EUS Bank\u003C\u002Fa\u003E: Several options for business accounts, from startups to established businesses.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.smallbusinessbank.com\u002F"\u003ESmall Business Bank\u003C\u002Fa\u003E: Best for small LLCs.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.pnc.com\u002Fen\u002Fsmall-business\u002Fbanking\u002Fbusiness-checking-overview\u002Fbusiness-checking-offer.html"\u003EPNC\u003C\u002Fa\u003E: $200 or $500 cash reward for opening a qualifying business checking account and making minimum transactions.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternatives worth considering?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-07-13 15:33:00",timezone:"UTC",updated:c,published:c},description:"Opening a business bank account for your LLC can help create the legal distinction between your business and personal finances. Here are some of the top choices LLC business owners can choose from, including digital, regional, national, and local banks for their business accounts.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a7d1d5e1-1fd6-42d1-8ed1-a57f58d31c9a",image:{id:"8c0c3f82-1c27-4296-bd1d-275a1c986d4c",filename:"best-business-bank-account-llc.jpg",dateCreated:{created:c,date:"2021-07-07 15:53:41",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F07\u002F8c0c3f82-1c27-4296-bd1d-275a1c986d4c\u002Fbest-business-bank-account-llc.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:"Best business bank accounts: Top accounts for LLCs",section:b,slug:"best-business-bank-account-for-llc",startYear:c,summary:b,title:"Best business bank account 2022: Accounts for LLCs",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"115511f0-ec91-11e3-95d2-02911863765e",slug:"startups",name:"Startups",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"f38a6ae7-332c-4e4c-b0ec-ea2601e1d71f",username:"Erin Gobler",profileUrl:c,email:c,firstName:"Erin",lastName:"Gobler",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"5273e8dd-f1f4-4e81-97ce-565a5a1c9ad3",filename:"erin-gobler-author.jpg",dateCreated:{created:c,date:"2021-06-30 15:31:56",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F30\u002F5273e8dd-f1f4-4e81-97ce-565a5a1c9ad3\u002Ferin-gobler-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Erin Gobler is a personal finance writer based in Madison, Wisconsin. She writes about topics including budgeting, student loans, credit, mortgages, investing, and insurance. Her work has been published in financial publications and startups such as The Simple Dollar, LendingTree, Robinhood, and more.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EA \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-business-credit-card\u002F\" target=\"_blank\"\u003Ebusiness credit card\u003C\u002Fa\u003E can be an excellent way to build your business credit history and manage your cash flow. Unfortunately, credit card issuers typically prefer borrowers with high business or personal credit scores. As a result, you might find that you have a difficult time being approved for a card with insufficient credit.  \u003C\u002Fp\u003E\u003Cp\u003EThat's where secured business credit cards come in. \u003C\u002Fp\u003E\u003Cp\u003EA secured credit card is one where you put down a security deposit, which serves as your credit limit. For example, if you wanted a credit limit of $10,000, you would put down a security deposit of $10,000. As you use the card and pay your bill each month, your credit gets better. \u003C\u002Fp\u003E\u003Cp\u003EThe best secured business credit cards offer decent interest rates and credit limits. Many even offer \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-cash-back-credit-card\u002F\" target=\"_blank\"\u003Ecashback rewards\u003C\u002Fa\u003E and the ability to upgrade to an unsecured credit card later on. \u003C\u002Fp\u003E\u003Cp\u003EKeep reading to learn about the best secured business credit cards and which one is right for you. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"bec1959f-93c8-47c6-8835-f8d14902059e\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Wells Fargo Business Secured Credit card is a great option for small business owners. You can choose which reward you want for your business: the first option is to earn 1.5% cashback on qualifying purchases and the second is to earn one point on every $1 you spend (and gain an additional 1,000 bonus points in each billing cycle with at least $1,000 on qualifying purchases).\u003C\u002Fp\u003E\u003Cp\u003EIf you open a secured business card, Wells Fargo will periodically review your account and credit history. If you responsibly use your secured card and your credit history improves, then you may be upgraded to an unsecured card.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003ENo annual fee or foreign transaction fees\u003C\u002Fli\u003E\u003Cli\u003EOption of either cashback or rewards points\u003C\u002Fli\u003E\u003Cli\u003EPotential to upgrade to an unsecured credit card\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E$25,000 credit limit for all Wells Fargo business cards\u003C\u002Fli\u003E\u003Cli\u003EPoor customer satisfaction among credit card users, according to a \u003Ca href="https:\u002F\u002Fwww.jdpower.com\u002Fbusiness\u002Fpress-releases\u002F2020-us-credit-card-satisfaction-study"\u003EJ.D. Power survey\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003EHigh interest rates on cash advances\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Wells Fargo Business Secured Card\" data-superlative=\"Best overall secured business credit card\" data-imagegroup=\"{}\" data-linktext=\"Go to Wells Fargo to learn more.\" data-linkurl=\"https:\u002F\u002Fwww.wellsfargo.com\u002Fbiz\u002Fbusiness-credit\u002Fcredit-cards\u002Fsecured-card\u002F\" data-offer=\"{"id":"5812cfea-0a37-450a-9f01-cc418168b723","slug":"wells-fargo-business-secured-credit-card","label":"Wells Fargo Business Secured Credit Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"5812cfea-0a37-450a-9f01-cc418168b723","name":"Wells Fargo Business Secured Credit Card","slug":"wells-fargo-business-secured-credit-card","productType":"PRODUCT","updateType":"PRISM","mod":1646412168005,"displayDate":"Fri Mar 04 2022 11:42:48 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6d8ba044-c33a-4a1a-a254-cdcdf6768107\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe First National Bank of Omaha Business Edition Secured Visa Card offers credit limits ranging from $2,000 to $100,000. The card offers a significantly higher credit limit than many of its competitors, making it ideal for those businesses who need a high spending limit. One downside of this card is that you must pay a security deposit of 110% of your desired credit limit. So if you want a credit limit of $100,000, you'll need a security deposit of $110,000. The good news, however, is that you can earn interest on your security deposit.\u003C\u002Fp\u003E\u003Cp\u003EThe First National Bank secured card comes with plenty of ideal features for businesses, including tracking expenses, spotting tax deductions, preparing tax filings, forecasting expenses, and managing cash flow.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003EHigh credit limits\u003C\u002Fli\u003E\u003Cli\u003EAbility to earn interest on your security deposit\u003C\u002Fli\u003E\u003Cli\u003EBusiness management tools\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003EA required security deposit of 100% of your desired credit limit\u003C\u002Fli\u003E\u003Cli\u003EHigher interest rate than many competitors\u003C\u002Fli\u003E\u003Cli\u003EAnnual fee required\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"First National Bank Business Edition Secured Visa Card\" data-superlative=\"Best for a high credit limit\" data-imagegroup=\"{}\" data-linktext=\"Go to FRIBO to learn more.\" data-linkurl=\"https:\u002F\u002Fwww.fnbo.com\u002Fsmall-business\u002Fcredit-cards\u002Fvisa-secured-business-edition\u002F\" data-offer=\"{"id":"b384fd02-110d-409c-a620-fbc1f458b52c","slug":"business-edition-secured-visa-card","label":"Business Edition Secured Visa Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"b384fd02-110d-409c-a620-fbc1f458b52c","name":"Business Edition Secured Visa Card","slug":"business-edition-secured-visa-card","productType":"SERIES","updateType":"PRISM","mod":1646412340781,"displayDate":"Fri Mar 04 2022 11:45:40 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"683ddb8f-0373-41b8-a6a2-669230c926b3\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe OpenSky Secured Visa Credit Card is technically not a business one. But one of the greatest benefits of this card is that, unlike many of its competitors, there's no credit check required. As a result, this card is well-suited to those with extremely poor credit, such as those rebuilding after a bankruptcy.\u003C\u002Fp\u003E\u003Cp\u003EThe OpenSky card comes with credit limits ranging from $200 to $3,000, and your refundable deposit will be equal to the credit limit you choose. Your security deposit is insured by the Federal Deposit Insurance Corporation (FDIC).\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003ENo credit check is required to apply\u003C\u002Fli\u003E\u003Cli\u003ENo bank account required\u003C\u002Fli\u003E\u003Cli\u003ERefundable deposit insured by FDIC\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003EAnnual fee and foreign transaction fees\u003C\u002Fli\u003E\u003Cli\u003ENo spending rewards\u003C\u002Fli\u003E\u003Cli\u003EThe highest credit limit available is $3,000\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"OpenSky® Secured Visa® Credit Card\" data-superlative=\"Best for no credit checks\" data-imagegroup=\"{}\" data-linktext=\"Go to OpenSky to learn more.\" data-linkurl=\"https:\u002F\u002Fwww.openskycc.com\u002Feducation\u002Fopensky-cards\" data-offer=\"{"id":"e8480416-e62e-478d-834c-737b12edbe61","slug":"opensky-secured","label":"OpenSky Secured","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"e8480416-e62e-478d-834c-737b12edbe61","name":"OpenSky Secured","slug":"opensky-secured","productType":"SERIES","updateType":"PRISM","mod":1640711568823,"displayDate":"Tue Dec 28 2021 12:12:48 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"904301c4-5192-4ba7-9e95-e2b58d7aadbd\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Discover it Secured Credit Card isn't technically a business card, but its perks make it good enough to be included on this list. It's especially the perfect card for freelancers looking to boost their credit scores. Your security deposit is refundable, and after eight months, Discover will review your account to see if you qualify to convert to a standard unsecured card and get your deposit back. Unfortunately, the secured card has a maximum credit limit of $2500, and your limit is based on your income and credit history.\u003C\u002Fp\u003E\u003Cp\u003EThe Discover secured card also comes with rewards. You'll earn 2% cashback at gas stations and restaurants, 1% cashback on all other spendings, and with Cashback Match, you'll earn an unlimited dollar-for-dollar match on all the cashback you've earned by the end of your first year.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003ECashback rewards for spending, including doubling of your rewards after the first year\u003C\u002Fli\u003E\u003Cli\u003EAbility to convert to an unsecured card after 8 months\u003C\u002Fli\u003E\u003Cli\u003ENo annual fee\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003ELow credit limits compared to other secured business cards\u003C\u002Fli\u003E\u003Cli\u003EHigh-interest rates compared to most competitors\u003C\u002Fli\u003E\u003Cli\u003EIt doesn't help to build your business credit\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Discover it® Secured Credit Card\" data-superlative=\"Best for freelancers\" data-imagegroup=\"{}\" data-linktext=\"Go to Discover to learn more.\" data-linkurl=\"https:\u002F\u002Fwww.discover.com\u002Fcredit-cards\u002Fsecured\u002F\" data-offer=\"{"id":"c19a841c-eaea-423f-9b49-8de17f8fa69c","slug":"discover-it-secured","label":"Discover it Secured","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"c19a841c-eaea-423f-9b49-8de17f8fa69c","name":"Discover it Secured","slug":"discover-it-secured","productType":"SERIES","updateType":"PRISM","mod":1640711340894,"displayDate":"Tue Dec 28 2021 12:09:00 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f3e3ffa6-b1db-4cd2-985c-cb1fb5ea03de\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many business credit cards on the market, as well as many secured business cards. Unfortunately, it can challenging to find secured credit cards for businesses. While not all of the cards on our list are specifically designed for businesses, it was important to us to narrow down cards with benefits that would be useful for&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-bank-for-small-business\u002F" target="_blank"\u003Esmall business owners\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003EWhen seeking out the best secured business cards, we considered factors such as credit limits, interest rates, cashback rewards, business features, fees, and the ability to upgrade to an unsecured card in the future. And considering most applicants of secured credit cards are those who have poor credit or haven't built sufficient credit yet, we needed to find cards that business owners could easily qualify for.\u003C\u002Fp\u003E\" data-hed=\"How did we choose these credit cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6f4647a5-376e-47cb-8841-434dbcfcfd2f\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen you're trying to identify the best secured business credit card for you, it can be difficult to decide which direction to go. Ultimately, it comes down to identifying your creditworthiness and what benefits you want in a card.\u003C\u002Fp\u003E\u003Cp\u003EFor example, for those with more established businesses and employees, it might be important to have a card that comes with additional business features. In that case, you might prefer the Wells Fargo or First National Bank cards. But for customers without business credit who would rather use their personal credit.\u003C\u002Fp\u003E\" data-hed=\"Which is the right secured business credit card for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b3621b31-44bf-4a66-9e06-2dcfef9cfb4e\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe cards we identified in this article are some of the best secured credit cards for small businesses, but they aren't the only ones. A few other secured credit cards you might consider, which may or may not be technically business cards, include:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECapital One Secured Mastercard\u003C\u002Fli\u003E\u003Cli\u003EFirst Progress Platinum Prestige Mastercard Secured Credit Card\u003C\u002Fli\u003E\u003Cli\u003EBento for Business Prepaid Debit Card\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternative cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"345cd05b-3c1b-4edb-a513-23a82ae3714a\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou put down a security deposit that serves as your credit limit when you open a secured credit card. The security deposit reduces the risk for the bank, which allows them to offer these cards to individuals and businesses with a poor or insufficient credit history.\u003C\u002Fp\u003E\" data-hed=\"How do secured business credit cards work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"452df567-572f-43e7-83af-bebdc3018304\" data-edition=\"us\" data-description=\"\u003Cp\u003EApplying for a secured credit card is quite similar to applying for&nbsp;any other credit card. First, you'll have to provide a credit check and provide personal information on the application form. The issuer may run either a business or personal credit check (or both) depending on the type of card you're applying for. Some cards, such as the OpenSky secured card, don't require a credit check, making the signup process easier.\u003C\u002Fp\u003E\u003Cp\u003EDepending on the card, you might get a decision immediately or may have to wait for a decision. Once you've been approved, you'll pay the security deposit to fund your card. Once you receive your card in the mail, you can start using it.\u003C\u002Fp\u003E\" data-hed=\"How do you get a secured business credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5808d4b7-0bbf-49d2-a3b6-b8beab568852\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere's not necessarily one secured business credit card that's better than the rest. Instead, each card is best for certain situations. For example, the Wells Fargo business card is best for established businesses with employees. The First National Bank card is best for companies that want a high credit limit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe OpenSky card is best for those with extremely poor credit since it doesn't require a credit check. Finally, the Discover secured card is best for freelancers who don't necessarily need to \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftop-6-ways-to-build-business-credit-quickly\u002F" target="_blank"\u003Ebuild their business credit history\u003C\u002Fa\u003E and who want to take advantage of cashback rewards.\u003C\u002Fp\u003E\" data-hed=\"Which one is the best secured business credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-08-11 12:00:00",timezone:"UTC",updated:c,published:c},description:"Secured cards make it easier to qualify with poor credit while still giving you many of the perks of a business credit card.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"f39709e6-9817-406b-8659-29aa05e9a181",image:{id:"7aa6868c-58c5-4c03-a4ca-fef4290359d7",filename:"first-national-bank-business-edition-secured-credit-card.jpg",dateCreated:{created:c,date:"2021-08-11 05:39:02",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F08\u002F11\u002F7aa6868c-58c5-4c03-a4ca-fef4290359d7\u002Ffirst-national-bank-business-edition-secured-credit-card.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The best secured credit cards for business",section:b,slug:"best-secured-credit-card",startYear:c,summary:b,title:"Best secured credit card for business",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EA recent Bankrate survey shows that less than half of Americans have enough savings to cover just a $1,000 expense. It is a concerning statistic that shows that not enough people are taking their savings seriously -- a problem that will grow that much larger in the event of an emergency.\u003C\u002Fp\u003E\u003Cp\u003EBut where does one start? That is where we come in. We regularly survey the leading banks in the US to find the best savings account for you and your family. \u003C\u002Fp\u003E\u003Cp\u003EThis is what we found.  \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"50cc1c4f-38f1-4041-8c81-ddd8f2e9af04\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and f\u003C\u002Fstrong\u003E\u003Cstrong\u003Eees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 1.15%\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EACH transfers: $0\u003C\u002Fli\u003E\u003Cli\u003EExcessive transaction fee: $10 per transaction\u003C\u002Fli\u003E\u003Cli\u003EIncoming wires: $0\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003C\u002Fli\u003E\u003Cli\u003EOutgoing wires: $20\u003C\u002Fli\u003E\u003Cli\u003EReturned deposit item: $7.50\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAlly's High Yield Savings is our pick for the best savings account because it has few fees matched with a good APY. You will pay none of the usual fees that banks charge, waiving the cost for such things as ACH transfers, excessive transactions, and incoming wires. There also is no monthly fee. Ally is a company that proudly boasts its ability to help consumers save twice as much when using the digital savings tool available. It offers buckets that you can use to create, prioritize, and complete tasks, while boosters are used to increase the funds in your savings account. You can easily add funds to your accounts through recurring transfers that happen each month automatically, taking one more thing off your plate. If you want to build your savings faster, you have the option of a recurring transfer that will round each purchase to the next dollar. &nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EEasy online access\u003C\u002Fli\u003E\u003Cli\u003ESavings tools\u003C\u002Fli\u003E\u003Cli\u003EFew fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo brick-and-mortar locations\u003C\u002Fli\u003E\u003Cli\u003ENo cash deposits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Ally High Yield Savings Account\" data-superlative=\"Best online savings account overall\" data-imagegroup=\"{"alt":"AllyBankSavings.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"a509ee69-76eb-4235-a39b-46747ccc6294","title":"Ally High Yield Savings Account","filename":"ally-high-yield-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F09\u002Fa509ee69-76eb-4235-a39b-46747ccc6294\u002Fally-high-yield-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":179308,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-09 20:35:33","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-09 20:35:37","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Ally High Yield Savings Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"a509ee69-76eb-4235-a39b-46747ccc6294","imageAltText":"AllyBankSavings.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ally-high-yield-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F09","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Ally","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ally.com\u002Fbank\u002Fonline-savings-account\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f54d2b06-273d-4539-8186-89b5206f235b\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 0.61%\u003C\u002Fli\u003E\u003Cli\u003EATM card: $0\u003C\u002Fli\u003E\u003Cli\u003EForeign transaction fee: $0\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EIncoming wire: $0\u003C\u002Fli\u003E\u003Cli\u003EOutgoing wire: $35 domestic \u002F $45 international\u003C\u002Fli\u003E\u003Cli\u003EPaper statements: $5\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe Axos High Yield Savings Account is a high yield account that boasts one of the highest APYs on our list, topping even the highest APR by one percent. In order to qualify, you must have less than $25,000 in your account to receive this rate, because after that, the rate begins to decrease as the balance grows bigger. Other than that, there are few fees. Axos skips the monthly maintenance fee commonly seen with other banks. You are not required to maintain a certain balance in your account, but you face a $250 fee when you first open the account. It is used to jumpstart your account balance before the monthly minimums are waived. To give you better access to your funds, you can request a free ATM card and then manage both your transactions and savings via the online banking dashboard. Your information is kept secure with biometric identification and advanced safety protocols. Plus, there are also digital money management tools to help you manage your finances, plus automated support available 24\u002F7.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EHigh APY\u003C\u002Fli\u003E\u003Cli\u003ENo monthly minimums&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EATM card\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EAutomated support 24\u002F7&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ENo brick-and-mortar branches\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Axos High Yield Savings Account\" data-superlative=\"Best for easy access to your account\" data-imagegroup=\"{"alt":"Axos Bank High Yield Savings Account","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"1b53dd77-b1b0-46c2-9a6b-df1967f8ae33","title":"Axos High Yield Savings Account","filename":"axos-high-yield-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F09\u002F1b53dd77-b1b0-46c2-9a6b-df1967f8ae33\u002Faxos-high-yield-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":247719,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-09 20:33:37","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-09 20:34:35","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Axos High Yield Savings Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1b53dd77-b1b0-46c2-9a6b-df1967f8ae33","imageAltText":"Axos Bank High Yield Savings Account","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"axos-high-yield-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F09","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Axos","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26683508&cr=27799&last_updated=1594757850","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"63400b6d-2c2d-4a70-93f7-43134a94fe6f\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 1.00%\u003C\u002Fli\u003E\u003Cli\u003EMinimum balance: $0\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe American Express® Savings account has a higher rate than many banks, and its customer service is well known for its 24\u002F7 service and high customer service standards. Like Ally Bank, there are few fees here with the High Yield Savings Account. Amex does not charge monthly fees, nor does it require an account minimum, so you can save even more. Best of all, it is backed by the power of American Express with the added security of FDIC insurance for your funds. It is important to note that you need to keep some sort of funds in your account because American Express will automatically close your account after 180 days of inactivity.&nbsp; There are also no ATM cards for this account, restricting your access somewhat, but there are both digital and paper statements that you can use to track your account.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EFew fees\u003C\u002Fli\u003E\u003Cli\u003E24\u002F7 customer service\u003C\u002Fli\u003E\u003Cli\u003ETons of resources\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo ATM or debit cards\u003C\u002Fli\u003E\u003Cli\u003EAccounts closed after $0 balance for 180 days&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"American Express® Savings\" data-superlative=\"Best for customer service\" data-imagegroup=\"{"alt":"American Express Online Savings","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"f47bc7d3-4c27-46a1-a2df-8fdcd5dd0d5c","title":"American Express Online Savings Account","filename":"american-express-online-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F09\u002Ff47bc7d3-4c27-46a1-a2df-8fdcd5dd0d5c\u002Famerican-express-online-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":258456,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-09 20:33:47","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-09 20:34:43","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"American Express Online Savings Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"f47bc7d3-4c27-46a1-a2df-8fdcd5dd0d5c","imageAltText":"American Express Online Savings","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"american-express-online-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F09","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.americanexpress.com\u002Fen-us\u002Fbanking\u002Fonline-savings\u002Fhigh-yield-savings","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"bd4ac23a-37cc-46ad-a417-8534324133b4\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EExcessive transaction fee: $10\u003C\u002Fli\u003E\u003Cli\u003EInternational ATM: $2&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EMinimum opening balance: $250\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EMonthly service fee: $3\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EOut-of-network ATM fees: $5&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe Capital One Business Advantage Savings Account delivers an extra bonus with its promotional interest rate of 0.20% that is guaranteed for your first year of having the account. If you maintain a minimum balance of $300 each month, the bank will waive its monthly maintenance fee. There are extra perks from Capital One, too. Account holders also have the option to use Capital One ATMs for free, although there is a $2 charge when you use other ATMs not associated with Capital One. If you have a Capital One checking account, you can link your savings account to provide overdraft protection. Its APY is lower because it is a business account, and you will need $250 at minimum to open your account. Once you open your account, you will have access to account details, as well as exclusive online tools to help you manage your finances.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EFlat interest rate&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ELocal branches\u003C\u002Fli\u003E\u003Cli\u003EOption to waive monthly fee\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ELots of fees\u003C\u002Fli\u003E\u003Cli\u003ERequires minimum initial deposit\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Capital One Business Advantage Savings Account\" data-superlative=\"Best business savings account\" data-imagegroup=\"{"alt":"Capital One Business Advantage Savings Account","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"c0369210-6b63-4fd8-9781-43e97280099a","title":"Capital One Business Advantage Savings Account","filename":"capital-one-business-advantage-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F09\u002Fc0369210-6b63-4fd8-9781-43e97280099a\u002Fcapital-one-business-advantage-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":150491,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-09 20:34:00","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-09 20:34:51","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Capital One Business Advantage Savings Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"c0369210-6b63-4fd8-9781-43e97280099a","imageAltText":"Capital One Business Advantage Savings Account","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"capital-one-business-advantage-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F09","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Capital One","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.capitalone.com\u002Fsmall-business-bank\u002Fsavings-cds\u002Fsavings-account\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1e0bbb2e-7f9a-4038-8846-4eecf964ba2c\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: 1.10%\u003C\u002Fli\u003E\u003Cli\u003EBank check: $0\u003C\u002Fli\u003E\u003Cli\u003EExcessive withdrawal fee: $0\u003C\u002Fli\u003E\u003Cli\u003EExpedited delivery for official bank checks: $0\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003C\u002Fli\u003E\u003Cli\u003EInsufficient funds: $0\u003C\u002Fli\u003E\u003Cli\u003EStop payment: $0\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe Discover Online Savings Account claims you can earn in interest over five times the national savings average. It could be because with Discover, fees are few and far between. There are no monthly fees, and you do not have to come up with cash to open the account. You also are not required to keep a minimum balance in your account each month, giving you much greater freedom. However, you have the option to transfer funds from both Discover and other accounts. There is also the option of automatic transfers, which can be set up to run each month based on your instruction. With Discover, you receive 24\u002F7 customer service that is US&nbsp;based for quick help and easy communication.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENext to no fees\u003C\u002Fli\u003E\u003Cli\u003ELarge fee-free ATM network\u003C\u002Fli\u003E\u003Cli\u003E24\u002F7 customer service\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo brick-and-mortar locations\u003C\u002Fli\u003E\u003Cli\u003ENo ATM locations\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Discover Online Savings Account\" data-superlative=\"Best for no fees\" data-imagegroup=\"{"alt":"Discover Online Savings Account","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"03c11cf2-2308-4635-967c-aa837d996050","title":"Discover Online Savings Account","filename":"discover-online-savings-account.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F09\u002F03c11cf2-2308-4635-967c-aa837d996050\u002Fdiscover-online-savings-account.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":283722,"width":1910,"height":1069,"dateCreated":{"date":"2022-05-09 20:34:10","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-05-09 20:35:00","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Discover Online Savings Account","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"03c11cf2-2308-4635-967c-aa837d996050","imageAltText":"Discover Online Savings Account","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"discover-online-savings-account.jpg","imageDateCreated":"2022\u002F05\u002F09","imageWidth":1910,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Discover","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.discover.com\u002Fonline-banking\u002Fsavings-account\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"61b57dff-6a43-4e7d-b0a6-2a572eb74c33\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003EAPY: 1.50% for members with direct deposit (0.90% without direct deposit) \u003C\u002Fli\u003E\u003Cli\u003EOverdraft fee: $0 (Overdraft coverage is for monthly direct deposit of at least $1,000.)\u003C\u002Fli\u003E\u003Cli\u003EMinimum balance: $0\u003C\u002Fli\u003E\u003Cli\u003EMonthly fee: $0\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAlthough not a purely online savings account, the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fsofi-announces-new-checking-and-savings-account-with-industry-leading-apy\u002F"\u003Enewly formed\u003C\u002Fa\u003E SoFi Checking &amp; Savings bank account gets an honorable mention, mainly for its high 1.50% APY for members with direct deposit (0.90% without direct deposit) and its zero-account fees – no overdraft, no minimum balance and no monthly fees. Members can get up to 15% cash back at their local establishments when they pay with a SoFi debit card. Account holders also have access to Vaults and Roundups in which they can organize their money, set savings goals and save their change. SoFi members who set up a direct deposit account can receive a cash bonus between $50 and $300 after 30 days from the first qualifying direct deposit is received. The cash bonus is based on the size of the direct deposit amount ($300 for a direct deposit of at least $5,000). What's more, members with direct deposit can get access to their payments two days earlier with 2-Day Early Paycheck.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh APY for members with direct deposit\u003C\u002Fli\u003E\u003Cli\u003ENo fees\u003C\u002Fli\u003E\u003Cli\u003EAccess to 55,000+ Allpoint ATMs\u003C\u002Fli\u003E\u003Cli\u003EEarly access to direct deposit funds\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ERequires direct deposit account to receive 1.50% APY rate\u003C\u002Fli\u003E\u003Cli\u003EMinimum direct deposit of $1,000 for no-fee overdraft coverage\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"SoFi Checking & Savings\" data-superlative=\"Honorable mention: Hybrid online checking and savings account\" data-imagegroup=\"{}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"SoFi","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.sofi.com\u002Fbanking\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b395f0ba-a872-4700-9630-08d9c81c9877\" data-edition=\"us\" data-description=\"\u003Cp\u003EBased on our extensive study, the best savings account is the Ally High Yield Savings Account. However, it is important to consider what features and factors are most important to you, so you can find the right match for your banking needs.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ESavings account\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EAPY\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ERecommended Credit\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EFDIC insured\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMinimum opening balance\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMonthly maintenance fee\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAlly Online Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E1.15%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFair, Good, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAmerican Express® Savings&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E1.00%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENot disclosed\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAxos High Yield Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0.61%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$250\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECapital One Business Advantage Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0.20%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFair, Good, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$250\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$3\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EDiscover Online Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E1.10%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best savings account?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a0053562-6dd0-469a-a2e7-183da5954954\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt can be overwhelming trying to decipher each bank account, so we offer this chart based on our expert recommendations.\u003C\u002Fp\u003E\u003Cdiv class="table--container " data-role="table" data-rows="6" data-columns="2" data-title="6x2 Table" draggable="true" ondragstart="hub.view.control.rte.RichTextEditorTable.hDragstart(event)"\u003E\u003Cdiv class="table-wrapper"\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this savings account...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf you...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAlly High Yield Savings\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant the full package\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAmerican Express National Bank Member FDIC\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EValue support from your bank\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAxos High Yield Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant a free ATM card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECapital One Business Advantage Savings Account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant your business to build its savings\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EDiscover&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EPrioritize excellent mobile support\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\" data-hed=\"Which is the right savings account for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0e7eb985-293d-46ca-a41c-dbb5a97cd8b0\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt seems like every bank has a savings account today, so it begs the question: how is one to find the very best savings account?&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThese are some of the factors we considered to find the best online savings account:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPY: How much interest you earn matters, so we look for companies that offer a high APY to give you maximum growth potential.\u003C\u002Fli\u003E\u003Cli\u003EFees: There are many fees that an account holder can face, like monthly maintenance fees, an opening balance, or even a wire transfer. Be sure to carefully read the fee schedule to ensure that it is right for you.&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EAccess: Some banks offer ATM cards so you can take out cash, but not all of them do. If you think you will want to access your savings, check to see which banks give you an ATM card upon sign-up.&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EFDIC protection: FDIC insurance is very important to secure the funds you put into your savings account because federal law protects up to $250,000 in your savings.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EBefore you choose the best savings account for you, check out the details of each bank to ensure that everything works for you and meets your needs. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"How did we choose these savings accounts?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"06c953df-b1f7-4d5a-b49d-ea1bc19cec2a\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are three popular types of savings accounts: money markets, certificates of deposit (CD), and traditional savings accounts, such as the ones illustrated here. Money market accounts add check writing abilities, while CDs hold your money for a specific term, earning interest the whole time. A traditional savings account tends to be the more popular banking option for consumers, but it is always a good idea to explore your options.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What are the different types of savings accounts?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3183c72a-ac33-419e-bf41-dda878c6eda0\" data-edition=\"us\" data-description=\"\u003Cp\u003EA checking account keeps funds readily available for use, while a savings account is designed to tuck those funds away so they can earn interest over time - something checking accounts do not typically offer.\u003C\u002Fp\u003E\" data-hed=\"What are the major differences between checking and savings accounts?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4960ef84-3864-4939-971a-d00cb17d49f0\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo help with your search, these are some other types of savings accounts that almost made our list and may be worth your consideration.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-barclays-card\u002F"\u003EBarclays Bank\u003C\u002Fa\u003E: When you want lots of options\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.chase.com\u002Fpersonal\u002Fsavings\u002Finterest-savings"\u003EChase Premier Savings\u003C\u002Fa\u003E: When you prefer a brick-and-mortar\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fmarcus-by-goldman-sachs-raises-apy-on-savings-accounts-to-1-20-percent\u002F"\u003EMarcus by Goldman Sachs\u003C\u002Fa\u003E: An excellent choice for no fees\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.penfed.org\u002Faccounts\u002Fpremium-online-savings" target="_blank"\u003EPenFed\u003C\u002Fa\u003E: Best credit union\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.salliemae.com\u002Fbanking\u002Fhigh-yield-savings-account\u002F" target="_blank"\u003ESallie Mae SmartyPig\u003C\u002Fa\u003E: A good option for students\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.capitalone.com\u002Fbank\u002Fsavings-accounts\u002Fkids-savings-account\u002F" target="_blank"\u003ECapital One 360 Kids Savings Account\u003C\u002Fa\u003E: Made specifically for children\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternatives savings accounts worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWhile you round up your search, consider our top picks for the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fthe-best-cash-management-account\u002F\"\u003Ebest cash management accounts\u003C\u002Fa\u003E and the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbest-free-business-checking-accounts\u002F\"\u003Ebest free business checking accounts\u003C\u002Fa\u003E for that budding business!   \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-08 17:00:00",timezone:"UTC",updated:c,published:c},description:"What is the best savings account? Ally High Yield Savings Account gets ZDNet's vote. But there are other savings accounts, including a new checking and savings account as an honorable mention, so here are our top picks, all reviewed and compared.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c0f173f8-ca6c-4acb-9a7a-53ba1cf40258",image:{id:"2c491174-8d32-4154-ba2f-53e3b48d6a7b",filename:"the-5-best-savings-accounts.jpg",dateCreated:{created:c,date:"2022-05-09 20:37:27",timezone:"UTC",updated:c,published:c},alt:"AllyBankSavings.png",credits:c,caption:"\u003Cp\u003EThe Ally Bank Savings Account wins our top vote for best savings account!\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F09\u002F2c491174-8d32-4154-ba2f-53e3b48d6a7b\u002Fthe-5-best-savings-accounts.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:"The 5 best savings accounts: Earn while you save",section:b,slug:"best-savings-account",startYear:c,summary:b,title:"The 5 best savings accounts of 2022",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EIt's challenging to run a business, and it's even more difficult when you are self-employed. Of all the responsibilities that self-employed professionals face, your finances can be the hardest to sort. It can seem like there are endless banks to choose from, and the options can quickly blur together. When it comes to finding the best business account, it's not a decision you want to make on a whim.   \u003C\u002Fp\u003E\u003Cp\u003EHere are the best business checking accounts that we could find for the self-employed in 2021. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"309633e1-1507-457d-8a9f-293afa025155\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F309633e1-1507-457d-8a9f-293afa025155\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a25e72b4-ce33-4c92-8a69-8d073afa57d9\" data-edition=\"us\" data-description=\"\u003Ch4\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003EBlueVine is one of the&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-business-bank-account-for-llc\u002F"\u003Ebest business banks\u003C\u002Fa\u003E when you want to earn interest without all of the fees. It offers 1.0% interest on account balances of up to $100,000 with unlimited transactions and optional bill pay. BlueVine's ATM network is large, too, including over 38,000 MoneyPass locations across the country using your new BlueVine Business Debit Mastercard. If you need to deposit cash, BlueVine's partnership with Green Dot means that you can make deposits at over 90,000 retail locations. Accounts also include two free checkbooks.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ESmall business owners in the U.S. that are 18 years of age and older are eligible for a BlueVine Business Checking account. BlueVine does not issue business checking accounts to those in specific industries, such as gambling, firearms, or&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fcryptocurrencies-you-need-to-know\u002F"\u003Ecryptocurrency\u003C\u002Fa\u003E.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo help with your account, there is live support. In addition to its expansive online resources and tools, BlueVine offers an excellent mobile app that allows you to check your balance, deposit your paycheck, and address other account issues. If you lose your card, you can also go online to freeze and unfreeze your card to prevent theft.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBecause BlueVine is a financial technology company and not a bank, deposits are FDIC-insured via Coastal Community Bank to at least $250,000 but are not guaranteed for more. &nbsp;\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003EBlueVine has no monthly fees and does not charge you if there are insufficient funds. There are also no charges for incoming wires, and over 38,000 MoneyPass locations help you avoid ATM fees.\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo monthly or NSF fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E1% interest on account balance\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EHuge MoneyPass and Green Dot network\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch4\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EInterest capped at $100,000\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo incoming wire transfers\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENot a bank\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"BlueVine Business Checking\" data-superlative=\"Best for interest\" data-imagegroup=\"{"alt":"bluevinechecking.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"BlueVine","imageData":{"id":"ecbeaf32-37f3-4c39-bd7a-73c33dbd6c73","title":"bluevinechecking","filename":"bluevinechecking.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F29\u002Fecbeaf32-37f3-4c39-bd7a-73c33dbd6c73\u002Fbluevinechecking.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":80824,"width":475,"height":400,"dateCreated":{"date":"2021-09-29 16:02:52","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-29 16:03:27","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"BlueVine","alt":"bluevinechecking.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["banking","bluevine","credit card","mobile banking"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"ecbeaf32-37f3-4c39-bd7a-73c33dbd6c73","imageAltText":"bluevinechecking.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"BlueVine","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"bluevinechecking.png","imageDateCreated":"2021\u002F09\u002F29","imageWidth":475,"imageHeight":400,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"BlueVine\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"BlueVine","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.bluevine.com\u002Fchecking\u002F","url":"https:\u002F\u002Fwww.bluevine.com\u002Fchecking\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8d49af2a-846d-45e4-a7c4-0702f35db8ea\" data-edition=\"us\" data-description=\"\u003Ch4\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003EOne of the best parts about Chase is the enormous support that its account holders receive. There are over 4,700 physical branches, 24\u002F7 support, and a network of 16,000 ATMs. However, Chase Business Complete Banking is not available in Alaska, Hawaii, and U.S. territories.\u003C\u002Fp\u003E\u003Cp\u003EChase Online Banking makes mobile banking simple when you're on the go. There are unlimited electronic deposits, and you can even receive same-day deposits with Chase QuickAccept via the Chase Mobile app. QuickAccept also makes it possible for you to accept payments right on your phone using the app.\u003C\u002Fp\u003E\u003Cp\u003EThe Chase debit card includes chip technology with the added support of Fraud Protection Services. You have the option of adding&nbsp;\u003Ca href="https:\u002F\u002Fwww.chase.com\u002Fcontent\u002Fdam\u002Fchasecom\u002Fen\u002Fchecking\u002Fdocuments\u002Fbiz-how-your-transaction-will-work.pdf"\u003EChase Business Debit Card Coverage\u003C\u002Fa\u003E, which includes Overdraft Protection from a linked backup bank account. However, overdraft charges of $34 per item may apply. &nbsp;\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003EWhile there is no monthly contract, Chase Complete Banking allows up to 20 transactions before a fee of $0.40 per transaction is assessed. There are free deposits of up to $5,000 per billing cycle. There is a monthly fee of $15, but this can be waived if there is $2,000 in monthly activity for eligible accounts.\u003C\u002Fp\u003E\u003Cp\u003EHowever, you will pay fees for incoming wires with charges for both domestic and international wire transfers.&nbsp;\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EOver 4,700 branches\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ESame-day direct deposit\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EMilitary banking benefits\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch4\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo interest\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EConditional fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENot available in AK, HI, or U.S. territories\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Chase Business Complete Banking\" data-superlative=\"Best for in-person banking\" data-imagegroup=\"{"alt":"chasebankingcardapp.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Chase","imageData":{"id":"18488b01-f482-4cb6-8df3-7b8c14594212","title":"chasebankingcardapp","filename":"chasebankingcardapp.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F29\u002F18488b01-f482-4cb6-8df3-7b8c14594212\u002Fchasebankingcardapp.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":63225,"width":512,"height":136,"dateCreated":{"date":"2021-09-29 16:08:37","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-29 16:09:09","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"Chase","alt":"chasebankingcardapp.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["banking","card reader","chase","credit card","mobile app"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"18488b01-f482-4cb6-8df3-7b8c14594212","imageAltText":"chasebankingcardapp.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Chase","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"chasebankingcardapp.png","imageDateCreated":"2021\u002F09\u002F29","imageWidth":512,"imageHeight":136,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Chase\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fbusiness.chase.com\u002Fchecking\u002Fbusiness-complete-banking\u002F","url":"https:\u002F\u002Fbusiness.chase.com\u002Fchecking\u002Fbusiness-complete-banking\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c2ef6a21-cd5a-4c31-983b-0ca631fdd2f2\" data-edition=\"us\" data-description=\"\u003Ch4\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003ELendingClub makes an impressive offer with both 1% cashback rewards and an interest-bearing checking account that earns 0.10% APY on balances of $5,000 or more. What's more, LendingClub says you can open an account in 10 minutes or less.\u003C\u002Fp\u003E\u003Cp\u003EOnline banking enables you to send domestic wires of up to $10,000. There is also the LendingClub mobile app, which is incredibly helpful in completing a number of functions. There is mobile check deposit, funds transfer, and bill pay, in addition to digital invoicing. The LendingClub app also accepts payments like ACH and lockbox payments, in addition to traditional card payments. LendingClub's own internal Autobooks accounting feature offers easy integration into leading software programs like Mint, QuickBooks, and Quicken.\u003C\u002Fp\u003E\u003Cp\u003EThere are some&nbsp;\u003Ca href="https:\u002F\u002Fbank.lendingclub.com\u002Fbusiness\u002Ftailored-checking-limits\u002F"\u003Elimitations\u003C\u002Fa\u003E to consider with mobile deposits. LendingClub places initial 30-day limits when you first open your account. For example, mobile check deposits are held for five days for the first 30 days you have the account, but after that, checks are processed within two business days. Tailored Checking accounts also have a daily limit of $25,000.\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003ELendingClub has fees and restrictions for various parts of your account.\u003C\u002Fp\u003E\u003Cp\u003EA minimum deposit of $100 is required to open your account, but no minimum is required after that. There are no monthly maintenance fees when you maintain a balance of $5,000 or more. Otherwise, the cost is $10 per month. LendingClub will also refund all ATM fee rebates on an unlimited basis each year for your Tailored Checking account.&nbsp;\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EBoth interest and cashback rewards\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EUnlimited ATM rebates\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E$2,000 ATM\u002FDebit daily limit\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch4\u003ECons&nbsp;\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E$100 required deposit to open account\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EMonthly fee for balances less than $5,000\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EDaily limits apply\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"LendingClub Tailored Checking\" data-superlative=\"Best for rewards\" data-imagegroup=\"{"alt":"lendingclubbankapp.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"LendingClub","imageData":{"id":"91daff84-bffc-400b-8c29-103c16d308f4","title":"lendingclubbankapp","filename":"lendingclubbankapp.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F29\u002F91daff84-bffc-400b-8c29-103c16d308f4\u002Flendingclubbankapp.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":45908,"width":252,"height":512,"dateCreated":{"date":"2021-09-29 16:11:50","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-29 16:12:25","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"LendingClub","alt":"lendingclubbankapp.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["banking","budget","lendingclub","mobile app"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"91daff84-bffc-400b-8c29-103c16d308f4","imageAltText":"lendingclubbankapp.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"LendingClub","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"lendingclubbankapp.png","imageDateCreated":"2021\u002F09\u002F29","imageWidth":252,"imageHeight":512,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"LendingClub\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"LendingCLub","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.lendingclub.com\u002Fbusiness-banking\u002Ftailored-checking","url":"https:\u002F\u002Fwww.lendingclub.com\u002Fbusiness-banking\u002Ftailored-checking"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"92152eec-5035-4bf7-8454-d6d4e3034fe5\" data-edition=\"us\" data-description=\"\u003Ch4\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003ESpecifically designed for freelancers, Lili combines simple banking with cashback rewards. You'll enjoy automatic savings with 1% APY that you can store in your rainy-day Emergency Bucket, along with an automatic $1 transfer per day to help your funds grow. Funds are FDIC-insured through Lili's partner bank, Choice Financial Group.\u003C\u002Fp\u003E\u003Cp\u003EYou can access your money without any fees at more than 38,000 ATM locations, and you receive cashback rewards when you use your Lili Visa Business Debit Card at participating merchants. You can also get paid two days earlier when you receive your funds via direct deposit.\u003C\u002Fp\u003E\u003Cp\u003EWhat makes Lili especially great for freelancers and small businesses is that it incorporates the accounting end of your finances, too. In addition to its savings feature, you can create invoices and organize taxes all within the mobile app. The Lili Visa Business Debit Card comes with real-time spending notifications to keep you informed, and, with additional security and encryption protocols, you can always freeze and unfreeze your card through the app.\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003ELili's business checking account comes without many of the fees commonly associated with a checking account. There are no monthly fees, you do not have to maintain a minimum balance, and Lili does not charge overdraft fees, up to $200.\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EThree-minute sign-up\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EInterest-bearing account\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ESavings buckets\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch4\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ERestricted cashback\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EMonthly balance stipulations\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo desktop access\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Lili Account\" data-superlative=\"Best for freelancers\" data-imagegroup=\"{"alt":"lilibankingapp.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Lili","imageData":{"id":"23df8d52-cfd9-44e1-a826-04d68d540b3c","title":"lilibankingapp","filename":"lilibankingapp.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F29\u002F23df8d52-cfd9-44e1-a826-04d68d540b3c\u002Flilibankingapp.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":58004,"width":512,"height":384,"dateCreated":{"date":"2021-09-29 16:16:43","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-29 16:17:13","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"Lili","alt":"lilibankingapp.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["banking","debit card","lili","mobile app","smartphone"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"23df8d52-cfd9-44e1-a826-04d68d540b3c","imageAltText":"lilibankingapp.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Lili","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"lilibankingapp.png","imageDateCreated":"2021\u002F09\u002F29","imageWidth":512,"imageHeight":384,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Lili\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Lili","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Flili.co\u002F","url":"https:\u002F\u002Flili.co\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a1cb4905-a7f4-4006-a483-d613b30f3672\" data-edition=\"us\" data-description=\"\u003Ch4\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003EBased in Kansas City, nbkc Business Checking accounts are available to business owners across the U.S. who are 18 years of age or older. There is available Bill Pay both online and using the nbkc app, which also allows you to deposit checks if you're not by a Kansas or Missouri branch. There are over 37,000 MoneyPass ATMs throughout the U.S. and Puerto Rico for easy use. Support is also available via phone, email, or in person. \u003C\u002Fp\u003E\u003Cp\u003EBusiness checking accounts include unlimited desktop deposits with the ability for ACH payroll and vendor payments. There is easy merchant processing and an added overdraft sweep to help prevent additional fees and extra security tools.\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003EIn addition to free check deposits, nbkc charges no fees for its business checking account. That means no fees for returned checks, paper items, overdrafts, or insufficient funds. There is no minimum balance required to open your account, and you do not need to keep a minimum balance in your account, either. \u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EPros \u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EUnlimited free transactions\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo required minimum balance\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch4\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ECharges for wires\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELimited branch access\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo third-party software integration\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"nbkc Business Account\" data-superlative=\"Best for no fees\" data-imagegroup=\"{"alt":"nbkcbankaccount.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"nbkc","imageData":{"id":"33cb367a-8155-4f15-b4b4-010255397b5d","title":"nbkcbankaccount","filename":"nbkcbankaccount.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F29\u002F33cb367a-8155-4f15-b4b4-010255397b5d\u002Fnbkcbankaccount.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":29426,"width":272,"height":185,"dateCreated":{"date":"2021-09-29 16:20:11","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-29 16:20:44","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"nbkc","alt":"nbkcbankaccount.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["banking","debit card","nbkc"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"33cb367a-8155-4f15-b4b4-010255397b5d","imageAltText":"nbkcbankaccount.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"nbkc","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"nbkcbankaccount.png","imageDateCreated":"2021\u002F09\u002F29","imageWidth":272,"imageHeight":185,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"nbkc\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"nbkc","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.nbkc.com\u002Fbusiness\u002Fchecking","url":"https:\u002F\u002Fwww.nbkc.com\u002Fbusiness\u002Fchecking"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a3214970-b0fb-45b9-9ceb-216ae6f42304\" data-edition=\"us\" data-description=\"\u003Ch4\u003E\u003Cstrong\u003EAt a glance\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003ENovo is designed for two groups of people: independents\u002Ffreelancers and small business owners. Once you open your account, you begin with a Virtual Card that allows you to spend online and via Apple or Google Pay before your new physical card arrives. Novo also offers mobile check deposit with easy invoicing to include invoice design, tracking, and management.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EInsured through Middlesex Federal Savings, the Novo debit card is accepted worldwide and includes an EMV chip for added security. You have the option of instant notifications for every transaction made with your Novo card, so you never miss a charge. Novo&nbsp;\u003Ca href="https:\u002F\u002Fwww.banknovo.com\u002Ffeatures?utm_source=google&amp;utm_medium=cpc&amp;utm_campaign=9223445664&amp;utm_content=97109982201&amp;utm_term=novo%20business%20checking&amp;utm_network=g&amp;utm_adcopy=514482090855&amp;gclid=CjwKCAjw-sqKBhBjEiwAVaQ9a596zcj3ZUAvEJ0nMTD638lIo9OA3C01YFEczSA6t9cx3-ltVTHNyBoCGZ8QAvD_BwE"\u003Epartners with Stripe\u003C\u002Fa\u003E for easy debit and credit card payments, with up to $20,000 in free payment processing. There's also built-in account integration, so you can easily handle accounting and payment tracking.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ENovo Reserves makes it easy to save and categorize spending, with the ability to use up to five separate reserves for things like payroll, taxes, and other expenses. You can link your Novo account to your bank accounts and allocate funds between your accounts with easy transfers and free check deposits.\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cp\u003ENovo assesses very few fees and refunds all ATM fees. There are unlimited free transactions in the U.S.\u003C\u002Fp\u003E\u003Cp\u003EThere is a required deposit of $50 to open an account, but no minimum balance is required after that. There also are not any monthly or early termination fees along with free ACH transfers and complimentary paper checks. ACH transfers and incoming wires are all free, but there is a $27 insufficient funds fee.&nbsp;\u003C\u002Fp\u003E\u003Ch4\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EMultiple popular integrations\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EATM fee reimbursement\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EUnlimited ATM fee reimbursement\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch4\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fh4\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo interest on balance\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo cashback rewards\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EMoney orders required for cash deposits\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Novo Business Checking\" data-superlative=\"Best unlimited free ATMs\" data-imagegroup=\"{"alt":"novobankingapps.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Novo","imageData":{"id":"5ae381f3-e3f2-443e-80fe-508a6a3a8d6d","title":"novobankingapps","filename":"novobankingapps.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F29\u002F5ae381f3-e3f2-443e-80fe-508a6a3a8d6d\u002Fnovobankingapps.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":55996,"width":512,"height":255,"dateCreated":{"date":"2021-09-29 16:24:48","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-29 16:25:19","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"Novo","alt":"novobankingapps.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["apps","bank 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data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003EProduct\u003C\u002Ftd\u003E\u003Ctd\u003EBest for\u003C\u002Ftd\u003E\u003Ctd\u003EAPY\u003C\u002Ftd\u003E\u003Ctd\u003ECashback\u003C\u002Ftd\u003E\u003Ctd\u003EFee Schedule\u003C\u002Ftd\u003E\u003Ctd\u003EMonthly fee\u003C\u002Ftd\u003E\u003Ctd\u003EAmount to open\u003C\u002Ftd\u003E\u003Ctd\u003EATM network\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\t\t\t\t\u003Ca href=\"https:\u002F\u002Fwww.bluevine.com\u002Fchecking\u002F\" target=\"_blank\"\u003EBluevine\u003C\u002Fa\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for interest\u003C\u002Ftd\u003E\u003Ctd\u003E1.00%\u003C\u002Ftd\u003E\u003Ctd\u003E✘\u003C\u002Ftd\u003E\u003Ctd\u003EVery competitive\u003C\u002Ftd\u003E\u003Ctd\u003E$0\u003C\u002Ftd\u003E\u003Ctd\u003E$0\u003C\u002Ftd\u003E\u003Ctd\u003E38,000+ MoneyPass\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\t\t\t\t\u003Ca href=\"https:\u002F\u002Fbusiness.chase.com\u002Fchecking\u002Fbusiness-complete-banking\u002F\" target=\"_blank\"\u003EChase Business Complete Banking\u003C\u002Fa\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for in-person banking\u003C\u002Ftd\u003E\u003Ctd\u003E✘\u003C\u002Ftd\u003E\u003Ctd\u003E✘\u003C\u002Ftd\u003E\u003Ctd\u003EModerate\u003C\u002Ftd\u003E\u003Ctd\u003E$15 or free with $2,000 in monthly activity\u003C\u002Ftd\u003E\u003Ctd\u003E$0\u003C\u002Ftd\u003E\u003Ctd\u003E4,700 branches and 16,000 ATMs\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\t\t\t\t\u003Ca href=\"https:\u002F\u002Fwww.finder.com\u002Fbest-self-employed-bank-accounts#deposits\" target=\"_blank\"\u003ELendingClub Tailored Checking\u003C\u002Fa\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for rewards\u003C\u002Ftd\u003E\u003Ctd\u003E0.10% on $5,000+ balance\u003C\u002Ftd\u003E\u003Ctd\u003E1.00%\u003C\u002Ftd\u003E\u003Ctd\u003EGreat\u003C\u002Ftd\u003E\u003Ctd\u003E$10 or free with $5,000+ balance\u003C\u002Ftd\u003E\u003Ctd\u003E$100\u003C\u002Ftd\u003E\u003Ctd\u003EUnlimited\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\t\t\t\t\u003Ca href=\"https:\u002F\u002Flili.co\u002F\" target=\"_blank\"\u003ELili Account\u003C\u002Fa\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for freelancers\u003C\u002Ftd\u003E\u003Ctd\u003E✘\u003C\u002Ftd\u003E\u003Ctd\u003E1.00%\u003C\u002Ftd\u003E\u003Ctd\u003EVery competitive\u003C\u002Ftd\u003E\u003Ctd\u003E$0\u003C\u002Ftd\u003E\u003Ctd\u003E$0\u003C\u002Ftd\u003E\u003Ctd\u003E38,000+ ATMs\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\t\t\t\t\u003Ca href=\"https:\u002F\u002Fwww.nbkc.com\u002Fbusiness\u002Fchecking\" target=\"_blank\"\u003Enbkc Business Account\u003C\u002Fa\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for no fees\u003C\u002Ftd\u003E\u003Ctd\u003E✘\u003C\u002Ftd\u003E\u003Ctd\u003E✘\u003C\u002Ftd\u003E\u003Ctd\u003EVery Competitive\u003C\u002Ftd\u003E\u003Ctd\u003E$0\u003C\u002Ftd\u003E\u003Ctd\u003E$0\u003C\u002Ftd\u003E\u003Ctd\u003E37,000+ MoneyPass\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\t\t\t\t\u003Ca href=\"https:\u002F\u002Fwww.banknovo.com\u002F\" target=\"_blank\"\u003ENovo Business Checking\u003C\u002Fa\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for unlimited free ATM use\u003C\u002Ftd\u003E\u003Ctd\u003E✘\u003C\u002Ftd\u003E\u003Ctd\u003E✘\u003C\u002Ftd\u003E\u003Ctd\u003EVery Competitive\u003C\u002Ftd\u003E\u003Ctd\u003E$0\u003C\u002Ftd\u003E\u003Ctd\u003E$50\u003C\u002Ftd\u003E\u003Ctd\u003EUnlimited\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Ch2\u003E How did we choose these products? \u003C\u002Fh2\u003E\u003Cp\u003EWith so many banks and financial institutions, it can feel impossible to choose the right one. However, there are some especially important factors to consider when you are self-employed. \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EInterest:\u003C\u002Fstrong\u003E Some business accounts may be eligible to earn interest on your balance.  \t\t \t\t \t\t \t\t\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ERewards: \u003C\u002Fstrong\u003EMany accounts also carry additional rewards, like cashback or other incentives meant to save you money. \t\t \t\t \t\t \t\t\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ETransactions:\u003C\u002Fstrong\u003E There may be limits placed on the number of free transactions you have each month, so look for any additional restrictions or charges that may restrict your banking activity. \t\t \t\t \t\t \t\t\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EOpening deposit:\u003C\u002Fstrong\u003E Some accounts may require an upfront deposit to open a business checking bank account, with some minimums much more expensive than others. \t\t \t\t \t\t \t\t\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E: Bank charges can quickly eat into your profits, so be sure to consider different fees like monthly fees, ATM charges, insufficient fees, and overdraft charges. \t\t \t\t \t\t \t\t\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ECash deposits:\u003C\u002Fstrong\u003E There may be limits regarding the amount or quantity of deposits that you are able to make without penalty each month. \t\t \t\t \t\t \t\t\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EIntegrations: \u003C\u002Fstrong\u003ESome business bank accounts may offer beneficial integrations that could prove valuable to your business, such as Quickbooks for accounting or Stripe for payment processing. \t\t \t\t \t\t \t\t\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ETo find the best bank account for self-employed business owners, be sure to compare different banks for the right account for your company's needs. \u003C\u002Fp\u003E\u003Ch2\u003E Which is the right one for you? \u003C\u002Fh2\u003E\u003Cp\u003EWant few fees? Choose \u003Ca href=\"https:\u002F\u002Fwww.bluevine.com\u002Fchecking\u002F\"\u003EBluevine\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EWant access to physical branches? Choose \u003Ca href=\"https:\u002F\u002Fbusiness.chase.com\u002Fchecking\u002Fbusiness-complete-banking\u002F\"\u003EChase Business Complete Banking\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EWant rewards on everyday spending? Choose \u003Ca href=\"https:\u002F\u002Fwww.finder.com\u002Fbest-self-employed-bank-accounts#deposits\"\u003ELendingClub Tailored Checking\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EWant tools to manage your freelance business? Choose \u003Ca href=\"https:\u002F\u002Flili.co\u002F\"\u003ELili Account\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EWant fee-free banking instead of rewards? Choose \u003Ca href=\"https:\u002F\u002Fwww.nbkc.com\u002Fbusiness\u002Fchecking\"\u003Enbkc Business Account\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EWant to use any ATM worldwide without fees? Choose \u003Ca href=\"https:\u002F\u002Fwww.banknovo.com\u002F\"\u003ENovo Business Checking\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Ch2\u003E FAQ \u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2eedd32a-3e1f-4202-81a7-485c131a20fe\" data-edition=\"us\" data-description=\"\u003Cp\u003EA business checking account is similar to a personal checking account in that they both allow you to write checks, make deposits, and pay bills. However, business checking accounts generally have expanded features, such as expense tracking, payment processing, and tax assistance.\u003C\u002Fp\u003E\" data-hed=\"What is a business checking account?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7bdb094e-385f-4687-b814-8a82b708d13f\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile personal checking accounts are generally free, there are few&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-free-business-checking-accounts\u002F"\u003Efree business checking accounts\u003C\u002Fa\u003E. Instead, business accounts can carry higher fees and expenses due to the increased level of activity. However, business checking accounts typically enjoy increased benefits to better accommodate your company's higher volume.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What are the differences between a personal checking account and a business checking account?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e593d1f7-13b7-4bc8-acf7-978f9e99ef17\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many choices, but not all may be the right fit for you. To find the best business checking account for you, be sure to shop your options and consider critical factors like fees, interest, account requirements, and ATM networks.\u003C\u002Fp\u003E\" data-hed=\"What is the best business checking account for the self-employed in 2021?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6d74b062-7f8a-4d60-99c9-fe0c0085a0ed\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn our review of the best checking accounts for self-employed business owners, we analyzed several different banks and financial providers. These are some other options that almost made our list and may be worth your consideration:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EBank of America Business Advantage Fundamentals Banking\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EKabbage Checking\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EMercury Business Bank Account\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ERelay \u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EWells Fargo Initiate Business Checking Account\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternatives worth considering?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E \t\u003Cbr\u003E \u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-09-30 05:00:00",timezone:"UTC",updated:c,published:c},description:"2022's best business bank accounts help you both manage and make money.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"691bea2b-a81a-4e22-8b07-6acbb0013e1e",image:{id:"fe9d6d23-433c-493c-b15c-4ab310264425",filename:"shutterstock-1921771388.jpg",dateCreated:{created:c,date:"2021-09-29 17:02:15",timezone:"UTC",updated:c,published:c},alt:"bluevinechecking.png",credits:"BlueVine",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F29\u002Ffe9d6d23-433c-493c-b15c-4ab310264425\u002Fshutterstock-1921771388.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:"Best self-employed banking accounts: Sort your finances",section:b,slug:"best-business-banking-account-for-the-self-employed",startYear:c,summary:b,title:"Best self-employed banking account 2022: Finances sorted",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EIncreasingly, the world is going digital, and that includes everyday spending. Crypto enthusiasts know the cryptocurrency space is quickly evolving, which is why our team regularly monitors trends and new product launches to keep our thumb on the pulse of the industry. One new trend that is quickly gaining in popularity is the crypto rewards credit card. \u003C\u002Fp\u003E\u003Cp\u003EAs more and more crypto cards are becoming available, consumer interest is growing to earn rewards in this new way on everyday spending. Crypto credit cards function much like \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card\u002F\" target=\"_blank\"\u003Etraditional credit cards\u003C\u002Fa\u003E, except that they source funds and pay rewards using digital currency, like Bitcoin. Backed by popular card networks like Visa and Mastercard, you still enjoy flexible spending with enhanced rewards through cryptocurrency.  \u003C\u002Fp\u003E\u003Cp\u003ETo find the best crypto credit cards today, we regularly research and analyze several critical factors. This includes not only the rewards structure but also associated pricing and fees, cryptocurrency options, payment methods and exchange options. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2be1c9f0-914d-47fe-8366-3e557811f8bb\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ERewards:\u003C\u002Fstrong\u003E&nbsp;CRO\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFunding method:\u003C\u002Fstrong\u003E&nbsp;Crypto wallet\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAccount minimum:\u003C\u002Fstrong\u003E&nbsp;$0 - $400,000\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAs one of the first crypto cards, the Crypto.com Visa card fits into your life seamlessly with tons of rewards that make sense for daily life.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo get started, you will need to purchase Crypto.com's CRO tokens and stake them in your Crypto.com wallet. Prospective cardholders will need to stake CRO tokens for 180 days before they can apply for the card. How much CRO you have staked will determine the card tier.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EObsidian: $400,000 USD worth of CRO staked\u003C\u002Fli\u003E\u003Cli\u003ERose Gold\u002FIcy White: $40,000 USD worth of CRO staked\u003C\u002Fli\u003E\u003Cli\u003ERoyal Indigo\u002FJade Green: $4,000 USD worth of CRO staked\u003C\u002Fli\u003E\u003Cli\u003ERuby Steel: $400 USD worth of CRO staked\u003C\u002Fli\u003E\u003Cli\u003EMidnight Blue: $0 USD worth of CRO staked\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAlthough sometimes referred to as a debit card, the Crypto.com card is, in fact, a prepaid card that uses Crypto.com's own digital currency. There is no maximum allotment per month for transactions involving currency exchange, allowing you to make as many exchanges as necessary.\u003C\u002Fp\u003E\u003Cp\u003EDepending on your card tier, cardholders receive a 100% rebate for their most-loved subscriptions including Amazon Prime, Netflix and Spotify. The two highest card tiers offer all three. Royal Indigo\u002FJade Green offer Spotify and Netflix, and Ruby Steel provides a Spotify sub.\u003C\u002Fp\u003E\u003Cp\u003ERewards vary based on the card tier, with cards offering 1% to 5% CRO back and other rewards. If you catch the travel bug, there are rewards there, too, with 10% back on Airbnb and Expedia purchases for the Obsidian and Frosted Rose Gold\u002FIcy White cards. You also receive exclusive airport lounge access. There are no ATM withdrawal fees for most cards and exclusive currency exchange rates when you maintain a higher monthly limit.\u003C\u002Fp\u003E\u003Cp\u003ECrypto.com is compatible with more than 90 different cryptocurrencies, making it one of the most flexible crypto cards available today. The card itself is made of metal and certain tiers give cardholders a choice in color. You can use your card anywhere Visa is accepted, and the exclusive Crypto.com app helps you manage your account on the go.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECompatible with most cryptocurrencies\u003C\u002Fli\u003E\u003Cli\u003ENo fees\u003C\u002Fli\u003E\u003Cli\u003EPopular streaming service rebates\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ERequired use of Crypto.com tokens\u003C\u002Fli\u003E\u003Cli\u003ELimited consumer resources\u003C\u002Fli\u003E\u003Cli\u003EComplicated platform for new users\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Crypto.com Visa card\" data-superlative=\"Best overall\" data-imagegroup=\"{}\" data-offer=\"{"id":"dea5935b-a2b1-4b25-97cb-9871773ea972","slug":"crypto-com-visa-card","label":"Crypto.com Visa Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"dea5935b-a2b1-4b25-97cb-9871773ea972","name":"Crypto.com Visa Card","slug":"crypto-com-visa-card","productType":"SERIES","updateType":"PRISM","mod":1660238050796,"displayDate":"Thu Aug 11 2022 13:14:10 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"fdbc90a1-409e-4aa5-b98c-2717e9659950\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ERewards:\u003C\u002Fstrong\u003E&nbsp;60+ cryptocurrencies\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFunding method:\u003C\u002Fstrong\u003E&nbsp;Crypto wallet\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAccount minimum:\u003C\u002Fstrong\u003E&nbsp; $0\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EGemini automatically earns crypto rewards that are compatible with more than 60 different cryptocurrencies. While there are no exchange fees, it is important to note that exchanges are not guaranteed. There isn't an annual fee, but there is no welcome bonus, either. Fees on transactions range from 0.5% to about 4%, depending on your specific card. The Gemini card is issued by WebBank and runs on the Mastercard network, allowing users access to all merchants that accept Mastercard. A convenient app also helps you manage your account, like freezing and unfreezing your card, and 24\u002F7 live customer support will be available.\u003C\u002Fp\u003E\u003Cp\u003EGemini has a unique rewards structure that is paid in real-time and can be redeemed in several ways:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E3% back on dining (up to $6,000 spent, then 1%)\u003C\u002Fli\u003E\u003Cli\u003E2% back on groceries\u003C\u002Fli\u003E\u003Cli\u003E1% back on all purchases\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAll rewards from eligible purchases are paid out via Bitcoin or another cryptocurrency accepted by Gemini. Members also receive access to Mastercard exclusives, such as special savings on purchases at Lyft, DoorDash, HelloFresh and a ShopRunner membership. Mastercard's signature Mastercard ID Theft Protection and Zero Liability and Price Protection benefits are also included.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EUse anywhere Mastercard is accepted\u003C\u002Fli\u003E\u003Cli\u003EAvailable nationwide\u003C\u002Fli\u003E\u003Cli\u003EMultiple rewards structures\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo guaranteed exchanges\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EFees can add up\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"The Gemini Credit Card®\" data-superlative=\"Best rewards\" data-imagegroup=\"{}\" data-offer=\"{"id":"789b2553-5b5f-45fa-8c21-8ae9fc05dbcb","slug":"gemini-credit-card","label":"Gemini Credit Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"789b2553-5b5f-45fa-8c21-8ae9fc05dbcb","name":"Gemini Credit Card","slug":"gemini-credit-card","productType":"SERIES","updateType":"PRISM","mod":1660238088032,"displayDate":"Thu Aug 11 2022 13:14:48 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1470942d-8c14-4156-b02d-2c4250acc8ad\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ERewards:\u003C\u002Fstrong\u003E&nbsp;1% BTC, ETH, DOGE, and DAI or 4% XLM, GRT\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFunding method:\u003C\u002Fstrong\u003E Crypto wallet\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAccount minimum:\u003C\u002Fstrong\u003E $0\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EFounded in 2012, Coinbase was already a leading crypto exchange when it launched its Coinbase Visa card. The Coinbase Visa works like any other Visa card, except it's compatible with any asset in your Coinbase portfolio.\u003C\u002Fp\u003E\u003Cp\u003EIt draws from your Coinbase balance (not from Coinbase Pro, Wallet, Prime, or Commerce accounts), so you simply pay with a PIN or withdraw from an ATM as you would with a normal card. There is a daily spending limit of $2,500 and a daily $1,000 ATM withdrawal limit.\u003C\u002Fp\u003E\u003Cp\u003ECardholders have the choice of earning either 1% back in BTC,&nbsp; ETH, DOGE, and DAI or 4% back in XLM and GRT whenever a purchase is made.\u003C\u002Fp\u003E\u003Cp\u003EAccepted anywhere that Visa is accepted, the Coinbase Visa gives global spending ability with no international limits. There are enhanced security features that include two-step verification, plus you have the option to instantly freeze your card through a hearty mobile app that keeps you in the driver's seat of your account. Bookkeeping is also made easy with the option for account notifications, digital receipts, and transaction summaries.\u003C\u002Fp\u003E\u003Cp\u003EHowever, it is a fee-heavy debit card. Although there is no issuance fee, you will pay several other fees, like a Coinbase wallet currency conversion fee of 2.5%. This fee is per transaction and applies to any assets other than USD, USDC, or any supported crypto on Coinbase. There is also a 1% penalty when you withdraw above your maximum limit. Although crypto rewards can reach as high as 4% on eligible purchases, that 2.5% transaction fee could leave you with only 1.5% gains. Still, customers remain generally happy with the credit card and appreciate the additional security and convenience features this card has to offer.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EEnhanced card security\u003C\u002Fli\u003E\u003Cli\u003EAccepted at same locations as Visa\u003C\u002Fli\u003E\u003Cli\u003EAdditional bookkeeping features\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh transaction fees on unsupported assets\u003C\u002Fli\u003E\u003Cli\u003EMust have a Coinbase account\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Coinbase Visa Debit Card\" data-superlative=\"Best security\" data-imagegroup=\"{}\" data-offer=\"{"id":"9545d1b6-8c38-433b-8eb7-6f29d03f7fe9","slug":"coinbase-visa-debit","label":"Coinbase Visa Debit","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"9545d1b6-8c38-433b-8eb7-6f29d03f7fe9","name":"Coinbase Visa Debit","slug":"coinbase-visa-debit","productType":"SERIES","updateType":"PRISM","mod":1646850337624,"displayDate":"Wed Mar 09 2022 13:25:37 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7e3cec40-70bf-4694-8145-256621676bfe\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ERewards:\u003C\u002Fstrong\u003E&nbsp;X-Points for US residents, WRX for non-US residents\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFunding method:\u003C\u002Fstrong\u003E Crypto wallet\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAccount minimum:\u003C\u002Fstrong\u003E $0&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAvailability:\u003C\u002Fstrong\u003E Not available in NY or HI\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe Wirex card offers international spending power without the steep exchange fees. In addition to free international ATM withdrawals, this card is compatible with more than 150 currencies and is accepted at more than 80 million outlets across the globe, including online and in-store merchants.\u003C\u002Fp\u003E\u003Cp\u003EWirex uses staked tokens called WXT to fund your account and provide access to benefits. Wirex also introduces a new kind of rewards system called Cryptoback that gives you up to 8% back in X-Points rewards -- based on your plan -- for eligible in-store or online purchases. If you refer new members, Wirex offers up to 1000 WXT in rewards. That is in addition to the standard 2% back on eligible in-store purchases.\u003C\u002Fp\u003E\u003Cp\u003EThe Cryptoback program is a 12-month subscription service. Depending on the price plan cardholders choose, the card will earn 2% to 8% back in X-Points for purchases. X-Points can be exchange for cryptocurrency. To earn 2% is free, 4% will cost $10 a month or $102 annually. To earn 8% back cardholders will need to pay $30 monthly or $306 annually.\u003C\u002Fp\u003E\u003Cp\u003EWirex features a straightforward fee schedule with no annual fee. However, there is a transaction fee of 2.5% that can eat into your total rewards. There are no fees for fiat-to-fiat exchanges, and there are 18 currencies that all enjoy exclusive over-the-counter or interbank rates. You will pay a 1% fee to fund your account with cryptocurrencies.\u003C\u002Fp\u003E\u003Cp\u003EWirex also has its own app, allowing you to set instant alerts, track your spending, and maintain a budget. It is an easy and more affordable way to switch from one currency to another while you are traveling, allowing for more streamlined global purchases, no matter where you are in the world.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMultiple cryptocurrencies\u003C\u002Fli\u003E\u003Cli\u003EMinimal fees\u003C\u002Fli\u003E\u003Cli\u003EX-Points rewards\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMust maintain Wirex WXT balance\u003C\u002Fli\u003E\u003Cli\u003ELimited rewards structure\u003C\u002Fli\u003E\u003Cli\u003ENative token-based\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Wirex Visa card\" data-superlative=\"Best international\" data-imagegroup=\"{}\" data-offer=\"{"id":"8c1a3528-7e41-41f8-9917-226484b148f1","slug":"wirex-visa-card","label":"Wirex Visa Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"8c1a3528-7e41-41f8-9917-226484b148f1","name":"Wirex Visa Card","slug":"wirex-visa-card","productType":"SERIES","updateType":"PRISM","mod":1646850418328,"displayDate":"Wed Mar 09 2022 13:26:58 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"790cb91f-4833-4f64-9d99-1b3a14b0f111\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ERewards:\u003C\u002Fstrong\u003E BTC, ETH, and 15+ other cryptocurrencies\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFunding method:\u003C\u002Fstrong\u003E Bank account\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAccount minimum:\u003C\u002Fstrong\u003E $0\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAvailability: \u003C\u002Fstrong\u003ENot available to residents in NY\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe BlockFi Rewards Visa Signature is a card that allows users to accumulate interest based on Bitcoin holdings. Here, cryptocurrency is the default rewards structure for your BlockFi card. Rewards include 1.5% back on purchases, paid out in one of several crypto assets and held within your BlockFi account. You can use your card anywhere Visa is accepted for greater spending power, and there are no foreign transaction fees when you are traveling.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIn fact, there are no transaction fees at all, saving you precious rewards. Plus, there's a welcome bonus of 3.5% back in BTC for every purchase for the first three months, with a max earning of $100 in BTC. Cardholders can also enjoy an upgraded 2% rewards structure when they spend more than $30,000 each year. If you refer a friend, that is an additional $30 in Bitcoin rewards. Cardholders will even earn 0.25% back in crypto&nbsp;for eligible trades, up to $500 in BTC per month.\u003C\u002Fp\u003E\u003Cp\u003ESimilar to a traditional credit card, the BlockFi card does have a credit limit. There is no annual fee with a straightforward reward structure to help you earn. Many cardholders appreciate the fact that there is no sliding scale or complicated rewards structure to track in order to receive their earnings. With its Visa insignia, it is a card that acts like a traditional credit card with all the modern benefits of cryptocurrency.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EFlat 1.5% rewards structure (up to 2% if cardholders spend $30,000 annually)\u003C\u002Fli\u003E\u003Cli\u003EMultiple bonus rewards\u003C\u002Fli\u003E\u003Cli\u003ERewards distributed in BTC, ETH, and 15+ other cryptocurrencies\u003C\u002Fli\u003E\u003Cli\u003EVisa Signature benefits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EWaiting period for some rewards\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"BlockFi Rewards Visa Signature card\" data-superlative=\"Best for Bitcoin\" data-imagegroup=\"{}\" data-offer=\"{"id":"40ed7ae8-b353-4862-b426-0c14e9368ddf","slug":"blockfi-visa-rewards-signature-card","label":"BlockFi Visa Rewards Signature Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"40ed7ae8-b353-4862-b426-0c14e9368ddf","name":"BlockFi Visa Rewards Signature Card","slug":"blockfi-visa-rewards-signature-card","productType":"SERIES","updateType":"PRISM","mod":1647899329072,"displayDate":"Mon Mar 21 2022 17:48:49 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b8f4b07d-5220-42cd-87d3-a955c3661841\" data-edition=\"us\" data-description=\"\u003Cp\u003EToday, there is an increasing number of companies entering the cryptocurrency space. With cryptocurrency a newer concept overall, it can easily invite a lot of confusion as to which company is the best.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo find the best crypto credit cards for rewards in 2022, we considered a number of factors:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ERewards:\u003C\u002Fstrong\u003E We analyzed not only the rewards for each card but also the terms and conditions governing each to ensure eligibility and availability.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAvailability:\u003C\u002Fstrong\u003E While many cards are available for immediate use, others are currently waitlisted.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EWithdrawal:\u003C\u002Fstrong\u003E We looked to see what methods are available for conversion and its ease of use.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ESecurity:\u003C\u002Fstrong\u003E We scrutinized the cards on our list to ensure they meet industry standards for security.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees:\u003C\u002Fstrong\u003E&nbsp;From annual fees to foreign and transaction fees, our team reviewed the fee schedule for each card to analyze affordability.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these crypto credit cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f61b4910-2f7a-402b-b9c5-09559ddb3956\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen you are shopping for a new crypto credit card, you will quickly find that each card can differ significantly from the next. \u003C\u002Fp\u003E\u003Cp\u003ETo help you find the right crypto credit card that meets your needs, there are a few factors to consider:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ERewards structure:\u003C\u002Fstrong\u003E Before committing to a card, it is important to ensure that your card holds a rewards structure that is both reasonable and attainable for your spending needs. Tier-based systems may be great if you're a heavy spender, but a flat-rate structure may work better for those who have more infrequent spending.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECryptocurrencies:\u003C\u002Fstrong\u003E Many cards limit transfers and conversions to just a small number of the cryptocurrencies available today. If you favor a particular currency, it is important to ensure that it is compatible with your crypto card before you open an account. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFiats:\u003C\u002Fstrong\u003E If you frequently travel abroad, there are important international considerations for your crypto rewards credit card. With fiats varying from card to card, it is important to check that your card supports the necessary currency conversions for your trip. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ERequired stake:\u003C\u002Fstrong\u003E Some crypto cards like Crypto.com and Wirex require users to maintain a minimum stake in order to be eligible for certain rewards. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAccount linking:\u003C\u002Fstrong\u003E Some crypto cards source funds directly from a prepaid account of cryptocurrency, while others may tap into a digital wallet. Others yet may offer a line of credit, much like a traditional credit card. How you link your credit card is one massive factor that will immediately filter out several ineligible cards for you.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Which is the right crypto credit card for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"77f7f268-2543-4b9e-ba7e-9cf4dc620a13\" data-edition=\"us\" data-description=\"\u003Cp\u003ECrypto rewards credit cards use digital currency known as cryptocurrency to withdraw cash and make purchases at both in-person and online retailers. Crypto cards can be similar to traditional credit cards in that funds can be sourced from a line of credit, or you can link to a digital wallet.\u003C\u002Fp\u003E\" data-hed=\"How do crypto credit cards work?\" data-imagegroup=\"{}\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"73b21cf4-7e0a-42fa-b491-ab0bebe7392c\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou can apply for a crypto card from a cryptocurrency exchange, although some cards may be waitlisted. An account and a digital wallet are typically required to get started, and some fees may apply.\u003C\u002Fp\u003E\" data-hed=\"How do I get a crypto credit card for rewards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cfe7228b-9321-4579-bdf0-1efcf72616b5\" data-edition=\"us\" data-description=\"\u003Cp\u003ECrypto cards feature partnerships with major credit card networks like Visa or Mastercard. That means you can use your crypto rewards card anywhere that Visa or Mastercard is accepted.\u003C\u002Fp\u003E\" data-hed=\"Where can I use my crypto rewards credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"927e3229-d97b-4754-ae50-2c63cb5ea548\" data-edition=\"us\" data-description=\"\u003Cp\u003EThese four&nbsp;best crypto cards are far from the only options available in today's market.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOther options for your crypto rewards credit card include these:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECrypterium: This is a prepaid crypto card.\u003C\u002Fli\u003E\u003Cli\u003ENexo: With a Nexo credit card, you can borrow up to $2 million in loans.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ESwipe: The Swipe Visa offers tons of features with up to 8% back.\u003C\u002Fli\u003E\u003Cli\u003ETenX: A popular choice, the TenX Visa card features none of the typical fees.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ENo matter which card you choose, you should always carefully read the terms and conditions to ensure that you find the best crypto credit card for rewards that works for your spending needs.\u003C\u002Fp\u003E\" data-hed=\"Are there alternative crypto credit cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-02-21 13:34:00",timezone:"UTC",updated:c,published:c},description:"Enjoy enhanced rewards and low fees with these five best cryptocurrency credit cards for 2022. Gain great flexibility and security features using your digital assets.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"4265750b-260b-4c62-95ca-754bfad4f8ec",image:{id:"fea6fe9e-2049-4767-ba19-804fac9631be",filename:"blockfi-rewards-visa-signature-card.jpg",dateCreated:{created:c,date:"2022-02-21 13:21:28",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Shutterstock",caption:"\u003Cp\u003E(Image: ZDNet)\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F02\u002F21\u002Ffea6fe9e-2049-4767-ba19-804fac9631be\u002Fblockfi-rewards-visa-signature-card.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2100,height:1400,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The best crypto credit cards: Get your rewards in cryptocurrency",section:b,slug:"best-crypto-credit-card",startYear:c,summary:b,title:"Best crypto credit cards for rewards 2022",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"73a85015-3a90-4672-a865-71ebb7bf6bfd",username:"LaurenAWard",profileUrl:c,email:c,firstName:"Lauren",lastName:"Ward",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"7723f262-f6fd-48d5-9fdd-348a63d1f7d5",filename:"image.jpg",dateCreated:{created:c,date:"2021-08-20 21:32:53",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F08\u002F20\u002F7723f262-f6fd-48d5-9fdd-348a63d1f7d5\u002Fimage.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lauren Ward is a personal finance and tech writer with a passion to help consumers make smart financial decisions. Her work has been featured on websites such as Bankrate, The Simple Dollar, DecisionData, Allconnect and This Old House.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EYou need a business checking account to keep your personal transactions separate from your business transactions. However, there are a lot of checking accounts to choose from these days. Some require monthly fees, others will waive any fees provided you meet certain criteria, while others are simply free. You might be tempted to go with the free one, but oftentimes the tools you receive through banks with monthly fees are more than worth their cost. To help you choose, here are our top five business checking accounts. \u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EThe best business checking accounts\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"090715ab-23fd-474c-8a8e-916ce9908ef8\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith Wells Fargo, you can choose between three business checking accounts:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EInitiate Business Checking\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENavigate Business Checking\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EOptimize Business Checking\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EDepending on your company and location, you may also be able to take advantage of Real Estate Trust Account and Federal Agency Checking.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EInitiate Business Checking is the business checking account Wells Fargo recommends for new business owners. There is a $25 minimum opening deposit requirement and a $10 monthly fee unless you are able to maintain a $500 minimum daily balance or a $1,000 average ledger balance.\u003C\u002Fp\u003E\u003Cp\u003EThere is no fee for the first $5,000 cash deposits. Thereafter it is $.30 for every $100 deposited. For transaction fees, there is no fee for the first 100 transactions. After 100 transactions, you'll pay $.50 for every transaction.\u003C\u002Fp\u003E\u003Cp\u003EEach Initiate Business Checking account comes with customized cards and checks where you can add your company logo and the ability to remotely manage your account from the mobile app or online portal.&nbsp;\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EOpen an account either online, over the phone, or in-person\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E24\u002F7 customer service support\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EStrong mobile app\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EPhysical locations in 37 states\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EZero liability protection\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EFees for withdrawing from non-Wells Fargo ATMs\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo free checking option for business owners\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Chr\u003E\" data-hed=\"Wells Fargo Business Checking\" data-superlative=\"Zero liability protection with three business accounts to choose from\" data-imagegroup=\"{"alt":"wells-fargo.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"By Casimiro PT -- Shutterstock","imageData":{"id":"a740a731-87bd-4d76-a2b8-2c9a579b8948","title":"wells-fargo","filename":"wells-fargo.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F10\u002Fa740a731-87bd-4d76-a2b8-2c9a579b8948\u002Fwells-fargo.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1166295,"width":1600,"height":1069,"dateCreated":{"date":"2021-09-10 12:49:56","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-10 12:50:08","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"By Casimiro PT -- Shutterstock","alt":"wells-fargo.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"a740a731-87bd-4d76-a2b8-2c9a579b8948","imageAltText":"wells-fargo.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"By Casimiro PT -- Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"wells-fargo.jpg","imageDateCreated":"2021\u002F09\u002F10","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"By Casimiro PT -- Shutterstock\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Wells Fargo","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwelcome.wf.com\u002Fsmallbizchecking\u002F","url":"https:\u002F\u002Fwelcome.wf.com\u002Fsmallbizchecking\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"eba584e6-5167-4965-8ae1-3935ad7c5b28\" data-edition=\"us\" data-description=\"\u003Cp\u003EChase Business Complete Checking has a lot of benefits for account holders. For starters, Chase offers multiple ways business owners can both receive and send money. QuickDeposit is one such example, and it allows account holders to use cash deposited the same day.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOther handy features include:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EAccept card payments and issue refunds to customers from the mobile app\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EEasily link your business account to a private Chase account\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E$0 monthly fee if certain criteria are met (deposit $2,000 in a month, or maintain a $2,000 daily balance); $15 if you don't meet the criteria\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E2.6% + 10 cents for every transaction you receive with a QuickAccept mobile contact reader&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E3.5% + 10 cents for transactions received through the Chase Mobile app\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ENew account holders can also receive a \u003Ca href="https:\u002F\u002Faccount.chase.com\u002Fconsumer\u002Fbusiness\u002FYE29222?sitelink=headline&amp;jp_cmp=bb\u002FBusiness_Brand_BMM_Bus+Chk_SEM_NME_All+Devices_Standard\u002Fsea\u002Fp45301638242\u002FBrand_Business+Checking&amp;ds_rl=1282391&amp;gclid=Cj0KCQjwjo2JBhCRARIsAFG667UwpNR9h-uwM7r5ow4NPGVnX-H9KihgOW3CmiP-7HZiJSwh9g9cjq4aAmA2EALw_wcB&amp;gclsrc=aw.ds"\u003E$300\u003C\u002Fa\u003E sign-up bonus when they open a new Chase Business Complete Checking account, deposit $2,000 into their account within 30 days, and have 5 qualifying transactions.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EChase also offers two other business checking accounts -- Chase Performance Business Checking and Chase Platinum Business Checking. \u003Ca href="https:\u002F\u002Fwww.chase.com\u002Fbusiness\u002Fchecking\u002Fperformance-business-checking"\u003EPerformance Checking\u003C\u002Fa\u003E is best for a mid-sized company, whereas \u003Ca href="https:\u002F\u002Fwww.chase.com\u002Fbusiness\u002Fchecking\u002Fplatinum-business-checking"\u003EPlatinum Checking\u003C\u002Fa\u003E is good for larger businesses that have high cash management needs.\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EGreat mobile app\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E$300 sign up bonus\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ESame-day access to deposits\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EMust maintain a $2,000 balance to avoid a $15 monthly fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Chr\u003E\" data-hed=\"Chase Business Complete Checking\" data-superlative=\"Comes with a $300 signup bonus. \" data-imagegroup=\"{"alt":"chase-credit-card.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"By monticello -- Shutterstock","imageData":{"id":"f5eeeb4e-1f2a-43ba-a331-8965136d4123","title":"chase-credit-card","filename":"chase-credit-card.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F14\u002Ff5eeeb4e-1f2a-43ba-a331-8965136d4123\u002Fchase-credit-card.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":956619,"width":1600,"height":1069,"dateCreated":{"date":"2021-09-14 12:33:43","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-14 12:33:49","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"By monticello -- Shutterstock","alt":"chase-credit-card.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"f5eeeb4e-1f2a-43ba-a331-8965136d4123","imageAltText":"chase-credit-card.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"By monticello -- Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"chase-credit-card.jpg","imageDateCreated":"2021\u002F09\u002F14","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"By monticello -- Shutterstock\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fbusiness.chase.com\u002Fchecking\u002Fbusiness-complete-banking","url":"https:\u002F\u002Fbusiness.chase.com\u002Fchecking\u002Fbusiness-complete-banking"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"32f7f19e-ced3-420d-8b23-795a28de3fde\" data-edition=\"us\" data-description=\"\u003Cp\u003ENKBC's catchphrase for its business checking account is that zero is their favorite number, which is a good catchphrase because it appears true.\u003C\u002Fp\u003E\u003Cp\u003ENBKC doesn't have a minimum deposit; it doesn't have a monthly maintenance fee; it doesn't have an overdraft fee, nor does it have a fee for bill pay. For a business that is just starting out, that's a lot of money saved and fewer hurdles to jump.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EEach account holder gets a free debit card, which can be used at over 37,000 MoneyPass ATMs across the country. Use an ATM that charges a fee, and NBKC will reimburse you up to $12 each month.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOnce you have an account, you can also open up other accounts as well. These include a savings deposit account -- be it a CD (certificate of deposit) or money market account, a business credit card, or even a loan.&nbsp;\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo minimum deposit to open an account\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo monthly service fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EAccess to over 37,000 ATMs\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EFew physical branch locations\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EOther banks have stronger apps to help with your business\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Chr\u003E\" data-hed=\"NBKC Bank Business Checking \" data-superlative=\"A $0 fee business checking account.\" data-imagegroup=\"{"alt":"nbkc-bankl.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"NBKC","imageData":{"id":"b495b4fa-3ec8-42be-8024-0b9a0432eba6","title":"nbkc-bankl","filename":"nbkc-bankl.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F16\u002Fb495b4fa-3ec8-42be-8024-0b9a0432eba6\u002Fnbkc-bankl.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":4384,"width":376,"height":134,"dateCreated":{"date":"2021-09-16 11:33:30","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-16 11:33:41","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"NBKC","alt":"nbkc-bankl.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"b495b4fa-3ec8-42be-8024-0b9a0432eba6","imageAltText":"nbkc-bankl.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"NBKC","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"nbkc-bankl.png","imageDateCreated":"2021\u002F09\u002F16","imageWidth":376,"imageHeight":134,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"NBKC\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"NBKC","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.nbkc.com\u002Fbusiness\u002Fchecking","url":"https:\u002F\u002Fwww.nbkc.com\u002Fbusiness\u002Fchecking"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7a0dd410-4f32-4830-908d-fcd186097e01\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou can choose from two business checking accounts when you bank with Bank of America:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.bankofamerica.com\u002Fsmallbusiness\u002Fdeposits\u002Fbusiness-advantage-banking\u002F"\u003EBusiness Advantage Fundamentals\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Ca href="https:\u002F\u002Fpromo.bankofamerica.com\u002Fbusinessadvantage\u002F"\u003EBusiness Advantage Relationship Banking\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ERelationship Banking is intended for larger companies that are able to maintain a larger monthly balance. Fundamentals is for companies just starting out. However, even with Fundamentals, you get access to a lot of tools to help your business.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFor starters, you get unlimited access to small business specialists that can help you make better business decisions. You also get access to a multitude of digital tools to help you manage your money, such as Cash Flow Monitor, Mobile Check Deposit, and \u003Ca href="https:\u002F\u002Fpromotions.bankofamerica.com\u002Fdigitalbanking\u002Fmobilebanking\u002Ferica"\u003EErica\u003C\u002Fa\u003E, a banking-centered AI that can answer your banking questions, analyze the market, and assist with everyday banking tasks.\u003C\u002Fp\u003E\u003Cp\u003EThere is a $16 monthly fee with the Business Advantage Fundamentals Bank of America business checking account. Still, you can avoid this fee if you are able to maintain a $5,000 monthly balance or spend $250 on net-qualified debit purchases.\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EA large amount of physical branch locations across the country\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EOnline resources to help owners monitor their business\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EStrong mobile app\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EFree access to \u003Ca href="https:\u002F\u002Fwww.zellepay.com\u002Fsupport\u002Fwhat-is-zelle"\u003EZelle\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EMust maintain a balance of $5,000 to avoid a $16 monthly fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Chr\u003E\" data-hed=\"Bank of America\" data-superlative=\"A digital friendly business checking option. \" data-imagegroup=\"{"alt":"bank-of-america.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"dd090c97-4bbe-11e4-b6a0-d4ae52e95e57","title":"bank-of-america.jpg","filename":"bank-of-america.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2014\u002F10\u002F04\u002Fdd090c97-4bbe-11e4-b6a0-d4ae52e95e57\u002Fbank-of-america.jpg","caption":null,"size":22330,"width":647,"height":273,"author":null,"dateCreated":{"date":"2014-10-04 12:06:25","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2014-10-04 12:06:25","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"bank-of-america.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"dd090c97-4bbe-11e4-b6a0-d4ae52e95e57","imageAltText":"bank-of-america.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"bank-of-america.jpg","imageDateCreated":"2014\u002F10\u002F04","imageWidth":647,"imageHeight":273,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Bank of America","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.bankofamerica.com\u002Fsmallbusiness\u002F","url":"https:\u002F\u002Fwww.bankofamerica.com\u002Fsmallbusiness\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"39c62826-1346-4eec-be7a-7f3b907cf1d5\" data-edition=\"us\" data-description=\"\u003Cp\u003ERequiring an opening deposit of $1,000, the Axos Bank Business Checking account is a great 100% online banking solution. And, if you incorporated after June 1, 2020, you'll get a free $100 sign up bonus.\u003C\u002Fp\u003E\u003Cp\u003EAxox offers two business checking options -- Basic Business Checking and Business Interest Checking. Both are very similar, but the big difference between the two is that with the Business Interest Checking, you get 1.01%% APY if you are able to keep a daily balance of at least $5,000.\u003C\u002Fp\u003E\u003Cp\u003EAnother difference is that you get more free items with a basic account -- be they credits, debits, or deposited items.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBusiness owners also have two business savings account options -- business CDs and business money market accounts. Money market savings accounts come with 0.20% APY, and CDs are available from 3 months to 5 years.&nbsp;\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EATM reimbursement within the U.S.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EIntegrates with QuickBooks\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EFree introductory book of checks\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo monthly maintenance fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E$1,000 minimum deposit requirement\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo physical bank branches\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Chr\u003E\" data-hed=\"Axos Bank Basic Business Checking\" data-superlative=\"Unlimited ATM reimbursement within the United States.\" data-imagegroup=\"{"alt":"axos-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"By Pavel Kapysh -- Shutterstock","imageData":{"id":"4cf4599b-b5cc-4a67-85c9-0e407f23a768","title":"axos-bank","filename":"axos-bank.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F16\u002F4cf4599b-b5cc-4a67-85c9-0e407f23a768\u002Faxos-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":759855,"width":1600,"height":1069,"dateCreated":{"date":"2021-09-16 11:41:42","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-16 11:42:05","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"By Pavel Kapysh -- Shutterstock","alt":"axos-bank.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"4cf4599b-b5cc-4a67-85c9-0e407f23a768","imageAltText":"axos-bank.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"By Pavel Kapysh -- Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"axos-bank.jpg","imageDateCreated":"2021\u002F09\u002F16","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"By Pavel Kapysh -- Shutterstock\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Axos","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26683505&cr=28717&last_updated=1602616656","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cstrong\u003EHow did we choose these products?\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003ETo choose the best business checking accounts we looked at a variety of factors including fees, minimum balances, minimum deposits and digital tools. Each checking above account is a little different, and there's no real clear winner among the five we chose. \u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EWhich one is right for you?\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EIf your business is going to be transaction heavy, we recommend choosing an account that has a large amount of free transactions per month. If you anticipate slow, but steady growth, consider choosing an account that has $0 minimum deposit and balance requirements, and a $0 monthly fee. You can always switch accounts later, but in the meantime your business can take the time it needs to grow. \u003C\u002Fp\u003E\u003Cp\u003EAlways consider the following when choosing a business checking account:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EMonthly fees\u003C\u002Fstrong\u003E: Many banks charge a monthly fee just for having an account; however, banks that do this often have a plethora of tools for their customers\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EInitial deposit requirement\u003C\u002Fstrong\u003E: While some business checking accounts don't charge anything to open an account, others require a deposit. The amount varies and can be as low as $15 to as high as $1,500. \u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EBalance requirement\u003C\u002Fstrong\u003E: While banks will always allow you access to your money, you may incur a monthly fee if you dip below a certain balance. \u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ETransaction limits\u003C\u002Fstrong\u003E: Have a large amount of incoming deposits? Your bank may only allow a certain amount before it starts charging you.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EAPY\u002F interest:\u003C\u002Fstrong\u003E Some checking and savings accounts come with APY benefits, but not many. \u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EATM network fees:\u003C\u002Fstrong\u003E If access to a fee-free ATM is important to the functioning of your business, you will want to choose a bank with a large nearby network so you're never going out of your way to access an ATM\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ECash deposit limits:\u003C\u002Fstrong\u003E It's a good problem to have, but some banks do have cash deposit limits. If your business is growing, you'll need a bank that won't limit your growth.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EOverdraft and wire fees:\u003C\u002Fstrong\u003E To grow, your business can't be nickeled and dimed for everything. \u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EBranch locations\u003C\u002Fstrong\u003E: There are a lot of online-only banks these days. While this works for a lot of people, it may not work for your business model. Make sure you choose a bank that is easy for you to access. \u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch2\u003E\u003Cstrong\u003EThe best business checking accounts FAQ\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c62c4f17-1636-4e9b-9ab5-68f200d38610\" data-edition=\"us\" data-description=\"\u003Cp\u003EAPY stands for annual percentage yield. Banks often state what the APY (or annual percentage yield) is for CDs, deposit accounts, or savings accounts. It refers to how much money is expected to grow within a year.\u003C\u002Fp\u003E\" data-hed=\"What does APY stand for?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f3e79865-2486-44f6-ab62-9b7b54ffbaae\" data-edition=\"us\" data-description=\"\u003Cp\u003EA business checking account is needed to separate your personal and business accounts. It can help you keep track of your company's profitability and make filing taxes a lot simpler because you will know exactly what went out and what came in.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EA business checking account can also protect you financially if you're registered as an LLC or corporation. If you're sued, your personal assets will be protected and left out of the courtroom.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Why do you need a business checking account?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2043401a-6a84-41e1-8f1a-db7551384eff\" data-edition=\"us\" data-description=\"\u003Cp\u003EYes, it is. Money transferred from a business checking account to a personal checking account is simply referred to as income.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Is it legal to transfer money from a business checking account to a personal checking account?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cstrong\u003EAre there alternatives worth considering?\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EThough these companies didn't quite reach our top spots, they may still provide you with everything you need.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9658968e-549b-48d0-97aa-685518adc5ea\" data-edition=\"us\" data-description=\"\u003Cp\u003ENovo's business checking account doesn't have a monthly maintenance fee nor a minimum balance requirement. In fact, the only fee it has is an overdraft fee of $27.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThough the lack of fees is great, NOVO is better suited for today's digital freelancer\u002F entrepreneur than it is for a growing business. This is because it is solely an online bank. It doesn't really come with any tools to help you manage your business, but it does integrate easily with Shopify, Quickbooks, Zapier, Slack and Stripe.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIt only takes a few minutes to create an account, and it comes with free ACH transfers. To open an account requires a $50 initial deposit. &nbsp;\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EWell reviewed mobile app\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EReimburses all ATM fees&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EEasily integrates with other digital business management software\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EDifficult to deposit cash; you need a money order to do so\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E$27 overdraft fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EDoes not have a savings account option\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo physical branches\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Chr\u003E\" data-hed=\"NOVO\" data-imagegroup=\"{"alt":"novo-bank.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"NOVO Bank","imageData":{"id":"7069e6b2-91c0-4de8-8e18-2b48b3d7ed61","title":"novo-bank","filename":"novo-bank.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F16\u002F7069e6b2-91c0-4de8-8e18-2b48b3d7ed61\u002Fnovo-bank.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3703,"width":319,"height":158,"dateCreated":{"date":"2021-09-16 11:49:41","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-16 11:49:49","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"NOVO Bank","alt":"novo-bank.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"7069e6b2-91c0-4de8-8e18-2b48b3d7ed61","imageAltText":"novo-bank.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"NOVO Bank","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"novo-bank.png","imageDateCreated":"2021\u002F09\u002F16","imageWidth":319,"imageHeight":158,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"NOVO Bank\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"NOVO","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.banknovo.com\u002F","url":"https:\u002F\u002Fwww.banknovo.com\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a98355be-f597-4707-82da-a6a1a40925f4\" data-edition=\"us\" data-description=\"\u003Cp\u003ETIAA requires a large initial deposit of $1,500, and it only has physical locations in Florida. However, TIAA offers a number of benefits to its account holders. Chief among them is that TIAA has developed a mobile banking app solely for its business banking customers. It comes with a variety of management tools to help you manage your business, including:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EThe ability to search your transaction history\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EDeposit checks\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EPay bills\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EPay employees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ETransfer money\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ECheck your balance\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EAssign multiple users and limit their access\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ETIAA is also notable in that all account holders get free access to both Allpoing and MoneyPass ATMs, meaning users should easily be able to find a fee-free ATM in most cities. However, should you go to an ATM that charges a withdrawal fee, TIAA will reimburse you if you have at least $5,000 in your account. If your balance is below $5,000, TIAA will reimburse you up to $15 a month.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETIAA allows up to 200 free transactions per month for your business and up to 10 free online bill payments each month.&nbsp;\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E0.10% APY\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E$0 monthly fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EOffers a wide range of online tools\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EAn initial deposit of $1,500 required\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EPhysical branches only located in Florida\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ECharges wire transfer fees for both domestic and international transfers\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Chr\u003E\" data-hed=\"TIAA Bank Small Business Checking\" data-imagegroup=\"{"alt":"tiaa-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"By rafapress -- Shutterstock","imageData":{"id":"b069b3d3-76d9-44d0-a05c-a5ba84810e58","title":"tiaa-bank","filename":"tiaa-bank.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F16\u002Fb069b3d3-76d9-44d0-a05c-a5ba84810e58\u002Ftiaa-bank.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1293378,"width":1600,"height":1069,"dateCreated":{"date":"2021-09-16 11:52:22","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-16 11:52:38","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"By rafapress -- Shutterstock","alt":"tiaa-bank.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"b069b3d3-76d9-44d0-a05c-a5ba84810e58","imageAltText":"tiaa-bank.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"By rafapress -- Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"tiaa-bank.jpg","imageDateCreated":"2021\u002F09\u002F16","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"By rafapress -- Shutterstock\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"TIAA","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.tiaabank.com\u002F","url":"https:\u002F\u002Fwww.tiaabank.com\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a816ac98-0528-4013-83ad-e78a3920c413\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith BlueVine Business Checking, account holders earn 1% on balances up to $100,000. No minimum balance is required, and it's easy to transfer money to other accounts. Have as many transactions as you need each month for deposits, pay bills, or wire money.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIf you lose your card, you can lock it within seconds by logging into your account online, which comes with 24\u002F7 access. All deposits are FDIC insured up to at least $250,000.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIf you need to make a cash deposit, you can go to BlueVine's partner, Green Dot, which has over 90,000 locations across the United States.&nbsp;\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E$0 monthly maintenance fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo minimum balance requirement\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo initial deposit requirement\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELarge ATM fee-free network through MoneyPass\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ETwo free checkbooks\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ECharges fees for cash deposits\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EDoes not have any physical branch locations\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EDoes not offer any savings accounts\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EIt May be difficult to deposit cash\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Chr\u003E\" data-hed=\"BlueVine Business Checking\" data-imagegroup=\"{"alt":"bluevine.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"By rafapress -- Shutterstock","imageData":{"id":"ec75e097-0f05-4fe0-ae12-bac79989a1e3","title":"bluevine","filename":"bluevine.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F10\u002Fec75e097-0f05-4fe0-ae12-bac79989a1e3\u002Fbluevine.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1147286,"width":1600,"height":1069,"dateCreated":{"date":"2021-09-10 12:39:50","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-10 12:40:03","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"By rafapress -- Shutterstock","alt":"bluevine.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"ec75e097-0f05-4fe0-ae12-bac79989a1e3","imageAltText":"bluevine.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"By rafapress -- Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"bluevine.jpg","imageDateCreated":"2021\u002F09\u002F10","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"By rafapress -- Shutterstock\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"BlueVine","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.bluevine.com\u002Fchecking\u002F","url":"https:\u002F\u002Fwww.bluevine.com\u002Fchecking\u002F"}]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"f37a5fad-68fa-4788-b71b-d43cbc406f47\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Ff37a5fad-68fa-4788-b71b-d43cbc406f47\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-09-17 01:00:00",timezone:"UTC",updated:c,published:c},description:"To take your business to the next level, you need a business checking 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2022",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"74cfda70-fed9-47f5-b27e-f508b105c76f",username:"Mandy Sleight",profileUrl:c,email:c,firstName:"Mandy",lastName:"Sleight",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"887522cb-bafd-4ac6-bef5-89319a0851ec",filename:"mandy-sleight-author.png",dateCreated:{created:c,date:"2021-07-06 17:22:43",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F887522cb-bafd-4ac6-bef5-89319a0851ec\u002Fmandy-sleight-author.png",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Mandy Sleight has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar, and has been a licensed insurance agent since 2005. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EIf you're a frequent Southwest Airlines flier, a Southwest Airlines credit card may be for you. You can earn points on everyday purchases, which are multiplied when you spend money on Southwest, transit and commuting, and certain utilities. Each card has its own set of additional benefits that could be valuable, depending on your travel preferences. Southwest Airlines also has business credit cards, so business owners can reap the benefits of their preferred airline on business purchases. \u003C\u002Fp\u003E\u003Cp\u003EHere are the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card\u002F\" target=\"_blank\"\u003Ebest credit cards available today\u003C\u002Fa\u003E: \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2b4cd547-5131-4ecf-8124-bab63c71b412\" data-edition=\"us\" data-description=\"\u003Cp\u003EOf all Southwest Airlines credit cards, the Southwest Rapid Rewards Priority card offers the most benefits for air travelers, though it has a $149 annual fee. You save 25% on inflight purchases, are eligible for four annual upgraded boardings if available, and receive $75 in Southwest travel credits per year. With this card, points earned can help you gain A-list status, which gives priority boarding and check-in and same-day standby status.\u003C\u002Fp\u003E\u003Cp\u003EThe Priority credit card gives you multiple ways to amplify your purchases and gain points faster. All purchases earn at least 1 point per dollar spent. Hotel and car rental partners; local transit and commuting; and streaming, internet, cable, and phone bills earn 2 points. All Southwest purchases earn 3 points per dollar spent. Every year on your Cardmember anniversary, you'll also receive 7,500 points.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E7,500 anniversary points annually\u003C\u002Fli\u003E\u003Cli\u003ENo foreign transaction fee\u003C\u002Fli\u003E\u003Cli\u003E$75 annual Southwest credit\u003C\u002Fli\u003E\u003Cli\u003EEarn points to get A-list faster\u003C\u002Fli\u003E\u003Cli\u003EEarn 3 points for every dollar spent on Southwest \u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh annual fee\u003C\u002Fli\u003E\u003Cli\u003ENo intro APR\u003C\u002Fli\u003E\u003Cli\u003ENo additional intro bonus points\u003C\u002Fli\u003E\u003Cli\u003ERequires good or excellent credit for approval\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Southwest Rapid Rewards® Priority Credit Card\" data-superlative=\"Best Southwest Airlines credit card overall\" data-imagegroup=\"{}\" data-offer=\"{"id":"26ab82fa-973f-476a-beee-e2e5bb363c44","slug":"southwest-rapid-rewards-priority","label":"Southwest Rapid Rewards Priority","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"26ab82fa-973f-476a-beee-e2e5bb363c44","name":"Southwest Rapid Rewards Priority","slug":"southwest-rapid-rewards-priority","productType":"SERIES","updateType":"PRISM","mod":1651207251052,"displayDate":"Fri Apr 29 2022 00:40:51 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft?lid=26681841","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ed1d391c-56df-4665-838f-94a847cfb4ca\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you don't fly often but still prefer Southwest Airlines, the Southwest Rapid Rewards Premier card may be a good fit. With a $99 annual fee, it comes with the same intro bonus as the Priority credit card. You'll also earn the same rewards points in multiple categories and have no foreign transaction fees. \u003C\u002Fp\u003E\u003Cp\u003EThe Premier credit card earns 6,000 points annually on your Cardmember anniversary and is eligible for unlimited tier qualifying points to reach A-list status. Purchases made inflight get 25% cashback and Premier credit cardholders get two EarlyBird Check-Ins per year. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EEarn the same bonus points as the Priority card\u003C\u002Fli\u003E\u003Cli\u003EEarn 3 points on Southwest purchases\u003C\u002Fli\u003E\u003Cli\u003E6,000 annual anniversary points\u003C\u002Fli\u003E\u003Cli\u003ENo foreign transaction fee\u003C\u002Fli\u003E\u003Cli\u003EUnlimited TPQs\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh APR\u003C\u002Fli\u003E\u003Cli\u003E$99 annual fee\u003C\u002Fli\u003E\u003Cli\u003ENo Southwest travel credit\u003C\u002Fli\u003E\u003Cli\u003ENot eligible for Upgraded Boardings\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Southwest Rapid Rewards® Premier Credit Card\" data-superlative=\"Best value for non-frequent fliers\" data-imagegroup=\"{}\" data-offer=\"{"id":"b44d2a62-097a-4992-83bf-de11057dc5d3","slug":"southwest-rapid-rewards-premier-credit-card","label":"Southwest Rapid Rewards Premier Credit Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"b44d2a62-097a-4992-83bf-de11057dc5d3","name":"Southwest Rapid Rewards Premier Credit Card","slug":"southwest-rapid-rewards-premier-credit-card","productType":"SERIES","updateType":"PRISM","mod":1651206187663,"displayDate":"Fri Apr 29 2022 00:23:07 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682568&cr=28303&last_updated=1598579586","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"909cec9c-46de-48b3-9fb4-c01fe81f8d03\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you prefer domestic air travel to foreign air travel, the Southwest Rapid Rewards Plus Credit Card may be a better fit. This card has a 3% foreign transaction fee, which can add up when you fly internationally. However, it has the lowest annual fee of the Southwest Rapid Rewards credit cards at $69 per year. This card also has the same intro bonus and category multipliers, but only earns 2 points per dollar spent on Southwest purchases.\u003C\u002Fp\u003E\u003Cp\u003EEach year, cardholders receive 3,000 anniversary points in their Rapid Rewards account. The Plus card is not eligible for tier qualifying points, so you may not get to A-list status as fast as you would with the Premier or Priority credit cards. But you'll still earn 25% cashback when making inflight purchases and get two EarlyBird Check-Ins each year the card remains active.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EEarn 60,000 points after you spend $1,000 on purchases in the first three months from account opening\u003C\u002Fli\u003E\u003Cli\u003ELow annual fee\u003C\u002Fli\u003E\u003Cli\u003EMultiply points in several categories\u003C\u002Fli\u003E\u003Cli\u003E3,000 anniversary points per year\u003C\u002Fli\u003E\u003Cli\u003ETravel and purchase protection benefits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E3% foreign transaction fee\u003C\u002Fli\u003E\u003Cli\u003EBlackout dates on reward travel\u003C\u002Fli\u003E\u003Cli\u003ENot eligible for TPQs\u003C\u002Fli\u003E\u003Cli\u003ENo intro APR\u003C\u002Fli\u003E\u003Cli\u003ENo higher points tier for Southwest purchases\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Southwest Rapid Rewards® Plus Credit Card\" data-superlative=\"Best for domestic air travelers\" data-imagegroup=\"{}\" data-offer=\"{"id":"2808aa8f-2155-462d-b670-a7c3c3e392f3","slug":"southwest-rapid-rewards-plus-credit-card","label":"Southwest Rapid Rewards Plus Credit Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"2808aa8f-2155-462d-b670-a7c3c3e392f3","name":"Southwest Rapid Rewards Plus Credit Card","slug":"southwest-rapid-rewards-plus-credit-card","productType":"SERIES","updateType":"PRISM","mod":1651206244610,"displayDate":"Fri Apr 29 2022 00:24:04 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682569&cr=28307&last_updated=1598579786","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"129c9240-66e2-41d5-a539-9fceb4f86c66\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Southwest Rapid Rewards Performance Business card allows established business owners the chance to turn everyday business purchases into free travel or other rewards. You earn 1 point per dollar for all purchases and 2 points per dollar for cable, internet, and phone bills, as well as social media and search engine advertising. Every dollar spent on local transit and commuting, plus ridesharing, earns 2 points. Southwest Airlines purchases earn the most points for this card at 4 points per dollar spent.\u003C\u002Fp\u003E\u003Cp\u003EThis card comes with the highest annual fee of $199, but you can earn 80,000 points when you spend at least $5,000 in the first three months after opening the card. There are other benefits to this business credit card, including a $500 fee credit when you transfer points to an existing Rapid Rewards member, up to 365 annual credits for inflight Wi-Fi, four upgraded boardings if available on your flight, and a credit up to $100 on your application fee every four years when applying for Global Entry, TSA PreCheck, or NEXUS. \u003C\u002Fp\u003E\u003Cp\u003EPoints can be redeemed for travel and other options, like gift cards and shopping in the Rapid Rewards portal, and there are no blackout dates when redeeming for travel.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo foreign transaction fees \u003C\u002Fli\u003E\u003Cli\u003EEarn 80,000 points for intro bonus\u003C\u002Fli\u003E\u003Cli\u003EMultiple points per dollar in several categories\u003C\u002Fli\u003E\u003Cli\u003ECredit for Global Entry or TSA PreCheck\u003C\u002Fli\u003E\u003Cli\u003ENo blackout dates when redeeming travel points\u003C\u002Fli\u003E\u003Cli\u003EEarn 9,000 annual anniversary points\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh annual fee\u003C\u002Fli\u003E\u003Cli\u003EHigh initial spend for intro bonus\u003C\u002Fli\u003E\u003Cli\u003ENo intro APR\u003C\u002Fli\u003E\u003Cli\u003E5% balance transfer fee\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Southwest Rapid Rewards® Performance Business Credit Card\" data-superlative=\"Best for established businesses\" data-imagegroup=\"{}\" data-offer=\"{"id":"ace3f213-eab0-400c-8313-e63df2a2322d","slug":"southwest-rapid-rewards-performance-business-credit-card","label":"Southwest Rapid Rewards Performance Business Credit Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682583&cr=28586&last_updated=1600378229","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6bd04b45-0893-4a79-b31c-6c3521edd72d\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Southwest Rapid Rewards Premier Business card is an option for new business owners who can't meet the higher initial spending requirements of the Performance card. After spending $3,000 in the first three months, you can earn 60,000 bonus points. The Premier Business card comes with a $99 annual fee, which may also be more affordable newer businesses.\u003C\u002Fp\u003E\u003Cp\u003EThe Premier Business card earns the same rewards points per category, except Southwest Airlines purchases earn 3 points per dollar spent. With this card, you can get 25% cashback when making purchases inflight and get up to $500 in statement credits when you transfer points to an existing Rapid Rewards member. You would also be eligible for two EarlyBird Check-Ins each year and receive 1,500 tier qualifying points for every $10,000 spent on the card. When you reach 35,000 TPQs, you can get A-list status, and earning 70,000 TPQs makes you eligible for A-list Preferred status.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo foreign transaction fee\u003C\u002Fli\u003E\u003Cli\u003EEarn 60,000 intro bonus points\u003C\u002Fli\u003E\u003Cli\u003ELower annual fee than Performance Business card\u003C\u002Fli\u003E\u003Cli\u003EEarn tier qualifying points towards A-list status\u003C\u002Fli\u003E\u003Cli\u003EUp to $500 statement credit for points transfer\u003C\u002Fli\u003E\u003Cli\u003EEarn 6,000 annual anniversary points\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo intro APR\u003C\u002Fli\u003E\u003Cli\u003EGood or excellent credit for approval\u003C\u002Fli\u003E\u003Cli\u003ENo application fee credit for Global Entry or TSA PreCheck\u003C\u002Fli\u003E\u003Cli\u003EPoints not multiplied for social media and search engine advertising\u003C\u002Fli\u003E\u003Cli\u003ENo inflight Wi-Fi credits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Southwest Rapid Rewards® Premier Business Credit Card\" data-superlative=\"Best for new business owners\" data-imagegroup=\"{}\" data-offer=\"{"id":"5601752e-f9b1-4078-a51f-86eca3aaeb6b","slug":"southwest-rapid-rewards-premier-business-credit-card","label":"Southwest Rapid Rewards Premier Business Credit Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"5601752e-f9b1-4078-a51f-86eca3aaeb6b","name":"Southwest Rapid Rewards Premier Business Credit Card","slug":"southwest-rapid-rewards-premier-business-credit-card","productType":"SERIES","updateType":"PRISM","mod":1651207053091,"displayDate":"Fri Apr 29 2022 00:37:33 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682584&cr=28585&last_updated=1600378197","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"01a00418-02d7-48a9-bd18-5ef98229f0e1\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Southwest Rapid Rewards Priority card is ZDNet's top pick because it offers an annual travel credit, upgraded boardings, and unlimited tier qualifying points on everyday spending.\u003C\u002Fp\u003E\" data-hed=\"What is the best Southwest Airlines credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"402eedf3-ae14-4a8d-b978-279a2d12f72c\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo find the right credit card for you, consider what you want the card to do for you. For instance, if you want to travel cheaply, a rewards card that earns points towards flights, hotels, and rental cars may be a good choice. If you prefer a specific airline or hotel, getting a branded credit card, like a Southwest Rapid Rewards card, may offer better rewards than a general card, like the Chase Sapphire Preferred.\u003C\u002Fp\u003E\u003Cp\u003EWhen choosing a credit card, you should evaluate the details before applying. Consider the annual fee, APR, bonus earning requirements, and other benefits to find the card that best fits your needs. If you want a Southwest card with a low annual fee, the Southwest Rapid Rewards Plus card is your best choice. But if you want to reap the most rewards and don't qualify for a business card, the Southwest Rapid Rewards Priority card may be a better choice.\u003C\u002Fp\u003E\u003Cp\u003EYou can also \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fhow-to-check-your-credit-score\u002F" target="_blank"\u003Echeck your credit score\u003C\u002Fa\u003E and history to determine what credit card you are most likely to be approved for. The better your credit score, the more credit card options you'll have. But you can still get approved for a credit card if you have \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-unsecured-credit-card\u002F" target="_blank"\u003Epoor credit\u003C\u002Fa\u003E or are \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-bankruptcy-credit-card\u002F" target="_blank"\u003Erebuilding your credit\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\" data-hed=\"Which card is the right credit card for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"51170c02-763b-473a-8250-20b7764ff218\" data-edition=\"us\" data-description=\"\u003Cp\u003EA Southwest Airlines credit card is a good option if you like to travel by airplane and prefer Southwest Airlines. With a Southwest card, you can earn points on everyday purchases to get free flights and other rewards. A Southwest card can also provide purchase and travel protection, like auto rental collision damage waivers, lost luggage reimbursement, baggage delay insurance, and extended warranty protection. \u003C\u002Fp\u003E\" data-hed=\"Is a Southwest Airlines credit card a good option?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f9dee679-8b21-4c46-9827-718ea817cfbb\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe highest bonus for a Southwest Airlines credit card right now is on the Southwest Rapid Rewards Performance Business credit card. If you spend $5,000 within the first 3 months on purchases, you'll earn 80,000 points. For non-business owners, each of the Southwest Rapid Rewards credit cards earns 60,000 points after you spend $1,000 in the first 3 months of opening the card.\u003C\u002Fp\u003E\" data-hed=\"What is the highest bonus for a Southwest Airlines credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"20ebfc7c-f694-4946-b67e-3dbe1f0a72b3\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith a Southwest Rapid Rewards card, 35,000 qualifying points (\u003Ca href="https:\u002F\u002Fwww.southwest.com\u002Fhelp\u002Frapid-rewards\u002Frapid-rewards-tiers" target="_blank"\u003Esee details\u003C\u002Fa\u003E) will make you an A-List Member. This grants you reserved check-in, a 25% earning bonus on all qualifying Southwest flights, \u003Ca href="https:\u002F\u002Fwww.southwest.com\u002Fhelp\u002Frapid-rewards\u002Frapid-rewards-tiers" target="_blank"\u003Eand more\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003ETo become an A-List Preferred Member, you need 70,000 qualifying points (\u003Ca href="https:\u002F\u002Fwww.southwest.com\u002Fhelp\u002Frapid-rewards\u002Frapid-rewards-tiers" target="_blank"\u003Esee details\u003C\u002Fa\u003E). Additional benefits include inflight Wi-Fi on equipped planes, a 100% earning bonus on all qualifying Southwest flights, \u003Ca href="https:\u002F\u002Fwww.southwest.com\u002Fhelp\u002Frapid-rewards\u002Frapid-rewards-tiers" target="_blank"\u003Eand more\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\" data-hed=\"How many Southwest points do you need to earn A-List status?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a7c20e71-74ae-4d7c-a027-2ba6f7faf6f8\" data-edition=\"us\" data-description=\"\u003Cp\u003EA Chase Southwest Airlines credit card is not hard to get if you have good or excellent credit. The higher your credit score, the better your chances are of \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fhow-to-get-apply-for-a-credit-card-and-actually-get-approved\u002F" target="_blank"\u003Egetting approved\u003C\u002Fa\u003E for a Chase Southwest card. To increase your chances of getting a card, make sure to pay all your bills on time, keep your debt-to-income ratio low, and avoid \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fhow-long-should-you-wait-before-applying-for-another-credit-card\u002F" target="_blank"\u003Eapplying for too many cards\u003C\u002Fa\u003E in a short time period.\u003C\u002Fp\u003E\" data-hed=\"Is it hard to get approved for a Chase Southwest Airlines credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b4c72dce-e6cb-4268-b4a1-e36724dd3c25\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo find the best Southwest Airlines credit cards, we compared several features:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EAPR: \u003C\u002Fstrong\u003EThe APR is the annual percentage rate, or the amount of interest you will pay on purchases. This amount varies by card and your credit history and score. Some credit cards will offer a low or 0% introductory APR for a certain length of time when you are approved for a card.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EBenefits and rewards: \u003C\u002Fstrong\u003EThe benefits and rewards you can earn (or are already included) with a credit card vary widely by issuer and card type. Some cards earn cash back, while others earn points you can use towards travel, gas, groceries, and other purchases.&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees:\u003C\u002Fstrong\u003E Credit card companies will often charge fees as a condition of using the card for purchases. The most common credit card fees are an annual fee, billed yearly to your account as long as it remains active, and a foreign transaction fee, which is a percentage of the cost of a purchase made in a foreign country. Fee schedules vary by card and company, so be sure to review them before choosing a credit card.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EIntroductory bonus:\u003C\u002Fstrong\u003E An introductory bonus is an incentive or group of incentives a card issuer offers when you're approved for the card. Southwest Airlines credit cards offer bonus points if you spend a certain amount within a few months of opening the card.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these credit cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cab834ae-889b-4188-adaa-ddf5d6909ad0\" data-edition=\"us\" data-description=\"\u003Cp\u003EThese credit cards for travel are also good options:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ECapital One Venture Rewards Card\u003C\u002Fstrong\u003E\u003Cstrong\u003E: \u003C\u002Fstrong\u003EThis card earns you 2 miles on every purchase and 5 miles on hotels and rental cars booked through Capital One Travel. It comes with a 75,000 introductory bonus when you spend at least $4,000 in the first three months of card opening.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fthe-chase-sapphire-preferred-great-for-general-travelers\u002F" target="_blank"\u003EChase Sapphire Preferred\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E: This card is a great choice for travelers who don't have a preference in airline, hotel, or rental car company. It comes with a $95 annual fee, and you can earn 5 points for every dollar spent on travel.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternative credit cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-29 04:46:00",timezone:"UTC",updated:c,published:c},description:"What is the best Southwest Airlines credit card? It is the Southwest Rapid Rewards Priority card, which offers an annual travel credit, upgraded boardings, and unlimited tier qualifying points on everyday spending.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c3036929-2dba-4b79-a5e3-23ebafbbcdad",image:{id:"b752f6c6-2a7f-4106-bfb6-46d22948e97e",filename:"gettyimages-1239716021.jpg",dateCreated:{created:c,date:"2022-04-14 18:24:54",timezone:"UTC",updated:c,published:c},alt:"gettyimages-1239716021.jpg",credits:"Daniel Slim \u002F Getty",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F04\u002F14\u002Fb752f6c6-2a7f-4106-bfb6-46d22948e97e\u002Fgettyimages-1239716021.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1024,height:681,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The 5 best Southwest Airlines credit cards: Unlimited tier qualifying points",section:b,slug:"best-southwest-airlines-credit-card",startYear:c,summary:b,title:"The 5 best Southwest Airlines credit cards of 2022",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"11baf11b-3a05-49bc-9e65-f704f249f582",slug:"digital-assets",name:"Digital Assets",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"3f95fcb4-e4fc-46bf-91d1-4b9ae78397b0",slug:"transportation",name:"Transportation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThere is no shortage of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-business-credit-card\u002F\" target=\"_blank\"\u003Ebusiness credit card\u003C\u002Fa\u003E rewards to choose from. And when you spend your life on the road, finding the best gas card is a great way to save on what you buy the most. However, there are several factors to consider when searching for the right one, such as the APR and fees, as well as the available rewards structures. \u003C\u002Fp\u003E\u003Cp\u003EBefore you hit the road for your next business meeting, consider these picks for the best gas cards.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4af305af-42f4-4e92-877a-7292f071607c\" data-edition=\"us\" data-description=\"\u003Cp\u003EBank of America lets you choose how you earn rewards with up to 3% cashback in your chosen category. Category options include not only gas but also online shopping, dining, travel, drug stores, home improvement, and furnishings. You also have the option to change your category choice each month in case your needs change. There is also a 0% introductory APR for the first 15 billing cycles with no annual fee to help you save even more. Plus, your rewards never expire.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo annual fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E0% introductory APR&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ERewards never expire\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ELimited to $2,500 in rewards\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EBalance transfer fees apply\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EForeign transaction fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Bank of America Customized Cash Rewards\" data-superlative=\"Best introductory bonus\" data-imagegroup=\"{}\" data-offer=\"{"id":"964cc500-409a-43f9-86ee-b6de8d2ccbdf","slug":"bank-of-america-cash-rewards-credit-card","label":"Bank of America Cash Rewards Credit Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"964cc500-409a-43f9-86ee-b6de8d2ccbdf","name":"Bank of America Cash Rewards Credit Card","slug":"bank-of-america-cash-rewards-credit-card","productType":"SERIES","updateType":"PRISM","mod":1646669459137,"displayDate":"Mon Mar 07 2022 11:10:59 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"74146be4-8867-4ae5-a5e9-6eab5fd07259\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Blue Cash Preferred Card from American Express is an excellent choice for everyday spending. Save with 3% cashback rewards for U.S. gas purchases, plus get extra savings on Amazon purchases. &nbsp;And it comes with an excellent introductory APR offer&nbsp; for purchases and balance transfers of 0% for your first year (18.99% - 29.99% variable there after)\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EHighest rewards for groceries (6%)\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EAdditional commuter rewards \t\t\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EIntroductory 0% APR for 12 months\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EOngoing Annual fee&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ESpending caps on rewards \t\t\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EForeign transaction fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Blue Cash Preferred® Card from American Express\" data-superlative=\"Best for everyday purchases\" data-imagegroup=\"{}\" data-offer=\"{"id":"0f4578aa-08df-43d8-95d5-f5e2117e6fa4","slug":"blue-cash-preferred-card-from-american-express","label":"Blue Cash Preferred Card from American Express","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"0f4578aa-08df-43d8-95d5-f5e2117e6fa4","name":"Blue Cash Preferred Card from American Express","slug":"blue-cash-preferred-card-from-american-express","productType":"PRODUCT","updateType":"PRISM","mod":1645460479190,"displayDate":"Mon Feb 21 2022 11:21:19 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681945&cr=28251&last_updated=1598494682","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9c518560-c751-4d3e-aef5-e95ed3352c1f\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you already shop at Costco, the Costco Anywhere Visa Business Card by Citi can give you extra rewards on the purchases you already make. There is 4% cashback on eligible gas and EV charging purchases that are generously capped at $7,000; after that, your rewards rate drops to 1% on further gas purchases. Plus, you receive 2% cashback on all purchases made either in Costco or via Costco.com.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E4% gas cashback\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo annual fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo foreign transaction fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EMust be a Costco member\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EOnly 2% on Costco purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo introductory offer\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Costco Anywhere Visa® Business Card by Citi\" data-superlative=\"Best for Costco customers\" data-imagegroup=\"{}\" data-offer=\"{"id":"c67cce7a-1621-4861-807a-b7e082343b22","slug":"costco-anywhere-visa-business-card","label":"Costco Anywhere Visa Business Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"c67cce7a-1621-4861-807a-b7e082343b22","name":"Costco Anywhere Visa Business Card","slug":"costco-anywhere-visa-business-card","productType":"PRODUCT","updateType":"PRISM","mod":1645461127685,"displayDate":"Mon Feb 21 2022 11:32:07 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ae330fa9-d60c-4b24-9a79-0102f93c282b\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Pentagon Federal Credit Union offers one of the best gas credit cards, rewarding five points for every dollar you spend on gas and three points for every dollar spent on groceries, dining, cable, and streaming. There is no annual fee, nor any foreign transaction or cash advance fees, making it incredibly affordable. To apply for the card, you must be a Pentagon Federal Credit Union member, but membership is open to everyone. &nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E5x points for gas at the pump\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EExtra rewards for EV charging stations\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EBonus introductory rewards\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EMust be a member of PenFed\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EPoints can be worth less than one cent\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EFive-year expiration for rewards\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Platinum Rewards Visa Signature® Card\" data-superlative=\"Best credit union\" data-imagegroup=\"{}\" data-offer=\"{"id":"7915bc67-84d7-4be1-b623-56a4b40e43a1","slug":"penfed-platinum-rewards-visa-signature-card","label":"PenFed Platinum Rewards Visa Signature Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"7915bc67-84d7-4be1-b623-56a4b40e43a1","name":"PenFed Platinum Rewards Visa Signature Card","slug":"penfed-platinum-rewards-visa-signature-card","productType":"PRODUCT","updateType":"PRISM","mod":1645461521330,"displayDate":"Mon Feb 21 2022 11:38:41 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9fd698b8-83b4-434b-ad7b-c33cc51c832c\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith the Sam's Club Mastercard, you can receive 5% cashback on gas purchases. As a bonus, Sam's Club members also get special rewards on digital or in-club purchases, plus a $30 bonus statement credit when you open your account and spend $30 within the first 30 days. You will need to be a member of Sam's Club to apply, but the 5% cashback rewards structure is among the strongest available with gas credit cards today.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EHigh 5% rewards structure\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EA high spending cap for gas purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo annual fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EMust be a Sam's Club member\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ERewards redeemable at Sam's Club\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ERewards redeemed only once per year\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Sam's Club Mastercard\" data-superlative=\"Best for Sam's Club members\" data-imagegroup=\"{}\" data-offer=\"{"id":"a6536cc5-01ad-4f7a-acf5-af733b78607b","slug":"sam-s-club-mastercard","label":"Sam's Club Mastercard","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"a6536cc5-01ad-4f7a-acf5-af733b78607b","name":"Sam's Club Mastercard","slug":"sam-s-club-mastercard","productType":"PRODUCT","updateType":"PRISM","mod":1645461639796,"displayDate":"Mon Feb 21 2022 11:40:39 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1b6b35a6-ffc3-44db-83d4-61e79fb6c6e4\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo find the best gas cards for business, we considered a number of features, such as:\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003ERewards structure\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThe rewards structure for gas purchases can vary from card to card, generally ranging from 2% to 4% for eligible purchases. Most cards offer additional rewards, like cashback on dining or travel. Be sure to carefully review the rewards structure for each card to see which option best suits your normal spending habits.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EAnnual fee\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThe annual fee for a business gas card can vary, as well, with annual fees easily topping a few hundred dollars, depending on the provider you choose. Some companies may waive the annual fee with your membership, such as Costco, while other cards may skip the fee altogether.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003ESign-up bonus\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ETo further entice you, some gas card providers may offer additional sign-up rewards for your business. From a few thousand points at account opening to annual bonuses, there are many different types of introductory offers that could prove quite lucrative for your new gas card for business.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EFirst-year rewards\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EInstead of a sign-up bonus, some credit card companies may offer extra bonuses after your first year of having the card. The rewards can vary significantly, with some meeting your needs more than others. For example, while PenFed gives 15,000 points for your first-year bonus, another card could match you dollar for dollar in first-year spending. Consider which rewards and perks are best for you based on your spending habits.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How did we choose these cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e6126b8c-0467-4548-b433-6ff2e00826ea\" data-edition=\"us\" data-description=\"\u003Cp\u003EA gas credit card is a type of credit card that offers special incentives or rewards based on your gas-related purchases. It may be issued by a credit card provider or a gas station, depending on the card.\u003C\u002Fp\u003E\" data-hed=\"What is a gas credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e382eeae-288e-41ae-83a9-759bdf67f5a3\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou will need to apply to get a new credit card. Each business gas card will have its own requirements to qualify, such as a minimum credit score or minimum annual income, so be sure to consider eligibility requirements before you begin the application process. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"How do you get a gas credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"811e1e49-eb08-4597-8cce-1ff1785bb8f6\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe best gas credit card for business depends on your specific needs. Consider your spending habits to help determine which rewards structure will most effectively save you money on your everyday purchases, like gas, dining, and travel.\u003C\u002Fp\u003E\" data-hed=\"Which one is the best gas credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"07cc5026-ec40-49fc-a3b5-cd8e2c67ba7f\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe gas cards for business listed above are far from the only options available today. Other gas credit cards for business include:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ECiti Premier® Card:&nbsp;\u003C\u002Fstrong\u003ECiti gives a handsome introductory bonus of 60,000 points, but watch out for the $95 annual fee.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EDiscover it® chrome:\u003C\u002Fstrong\u003E The first-year benefits are hard to beat with full cashback matching at the end of your first 12 months of having the card.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EUS Bank Business Triple Cash Rewards World Elite Mastercard\u003C\u002Fstrong\u003E\u003Cstrong\u003E:\u003C\u002Fstrong\u003E Earn up to 3% limited cashback with 0% introductory APR for your first 15 months.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EExxonMobil Smart Card\u003C\u002Fstrong\u003E\u003Cstrong\u003E:\u003C\u002Fstrong\u003E This card will help you save money at the pump, but rewards vary based on local gas prices.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ENo matter which gas card for business you choose, be sure to carefully review the terms and conditions for the card -- as well as eligibility requirements -- to find the best fit for you.\u003C\u002Fp\u003E\" data-hed=\"Are there alternatives worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-09-10 17:23:00",timezone:"UTC",updated:c,published:c},description:"We compare seven of the top gas credit cards to help you choose the best card for your business.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"1a5b5d79-e449-4749-87f3-23563f5c4ca9",image:{id:"0cbe715a-9388-45c9-8237-a85e194778e5",filename:"carfillingupistock-900314960.jpg",dateCreated:{created:c,date:"2020-03-20 11:48:19",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Shutterstock",caption:"\u003Cp\u003EWoman refueling her car at a gas Station with explosiv sunlight in the background. ideal for websites and magazines layouts\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2020\u002F03\u002F20\u002F0cbe715a-9388-45c9-8237-a85e194778e5\u002Fcarfillingupistock-900314960.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2158,height:1390,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The best business gas credit cards",section:b,slug:"best-gas-card-for-business",startYear:c,summary:b,title:"Best business gas card: Bank of America, Citi, and more compared",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"50111c84-fe1f-4b37-93b7-f6eeb29396ee",username:"TaylorFreitas",profileUrl:c,email:c,firstName:"Taylor",lastName:"Freitas",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"bd378476-19f8-4646-b8d8-87df1f47b07e",filename:"image.jpg",dateCreated:{created:c,date:"2021-08-05 19:52:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F08\u002F05\u002Fbd378476-19f8-4646-b8d8-87df1f47b07e\u002Fimage.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Taylor Freitas is a freelance writer and has contributed to publications including LA Weekly, CNET, The Simple Dollar, and Bankrate. She holds a B.A. in Print and Digital Journalism from the University of Southern California.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EIf you're thinking about getting into the points and miles game, you'll want to find a credit card that -- at a minimum -- makes it easy to earn and redeem travel rewards. Luckily, there are plenty of beginner-friendly cards that fit that description. Even better? Many come with extra features like sign-up bonuses, no foreign transaction fees, and travel insurance.\u003C\u002Fp\u003E\u003Cp\u003ETo help you get started, we've compiled the following list of the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-travel-credit-card\u002F\" target=\"_blank\"\u003Ebest travel credit cards\u003C\u002Fa\u003E for beginners. You'll find a range of options -- including cards with no annual fees -- so you can choose one that aligns with your spending habits and travel preferences.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c867cf0a-741d-4082-a212-fbf8fe8baeb0\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt's no wonder why the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fthe-chase-sapphire-preferred-great-for-general-travelers\u002F" target="_blank"\u003EChase Sapphire Preferred Card\u003C\u002Fa\u003E is a favorite among all types of travelers, including beginners and experts. For starters, this \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-metal-credit-card\u002F" target="_blank"\u003Emetal card\u003C\u002Fa\u003E allows you to accrue points through \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-way-to-use-chase-ultimate-rewards-points-in-2022\u002F" target="_blank"\u003EChase Ultimate Rewards\u003C\u002Fa\u003E, the company's travel portal. When you redeem your points through Chase's platform, you'll get a 25% bonus on flights, hotels, car rentals, and more.\u003C\u002Fp\u003E\u003Cp\u003EIf you'd rather book directly with a certain airline or hotel, the Chase Sapphire Preferred lets you transfer your points to several loyalty programs at a 1:1 rate. Transfer partners include Hyatt, JetBlue, Marriott, Southwest, and United.\u003C\u002Fp\u003E\u003Cp\u003EThe annual fee on this card is $95, which may seem steep if you're new to travel rewards. However, it includes an impressive number of perks, including bonus points on your cardmember anniversary, a $50 annual hotel credit, trip cancelation\u002Finterruption insurance, rental car coverage, and more. Plus, the Chase Sapphire Preferred card currently offers an outstanding \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Ffor-a-limited-time-the-chase-sapphire-preferred-is-getting-a-higher-welcome-bonus\u002F" target="_blank"\u003Esign-up bonus\u003C\u002Fa\u003E of 60,000 points if you spend $4,000 in the first three months after opening your card.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EEasy to redeem points\u003C\u002Fli\u003E\u003Cli\u003EBonus spending categories (travel, dining, online groceries, and streaming services)\u003C\u002Fli\u003E\u003Cli\u003E25% bonus for booking through Chase Ultimate Rewards portal\u003C\u002Fli\u003E\u003Cli\u003ETransfer points to 14 hotel and airline partners\u003C\u002Fli\u003E\u003Cli\u003ETravel protection for trip cancellations\u002Fdelays, rental cars, and lost luggage\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fthe-best-no-foreign-transaction-fee-credit-cards\u002F" target="_blank"\u003ENo foreign transaction fees\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAnnual fee may not appeal to travel beginners\u003C\u002Fli\u003E\u003Cli\u003ETransfer partners don't include all major airlines\u003C\u002Fli\u003E\u003Cli\u003EMust book through the Chase portal to get the most value\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Chase Sapphire Preferred® Card\" data-superlative=\"Best overall\" data-imagegroup=\"{}\" data-offer=\"{"id":"3ff4553e-3140-4697-8cf2-9495f7297d5e","slug":"chase-sapphire-preferred","label":"Chase Sapphire Preferred","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"3ff4553e-3140-4697-8cf2-9495f7297d5e","name":"Chase Sapphire Preferred","slug":"chase-sapphire-preferred","productType":"SERIES","updateType":"PRISM","mod":1651157309602,"displayDate":"Thu Apr 28 2022 10:48:29 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682581&cr=28126&last_updated=1598401437","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d7197f8f-e8d4-4532-bfea-dd9b258214e0\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you want even more ways to redeem your miles, the Capital One Venture Rewards Card could be the right pick. There are three ways to trade in your miles for travel, including by booking through Capital One's portal and transferring to one of its 17 airline and hotel partners (such as Aeromexico, Air Canada, Choice Hotels, and Singapore Airlines).\u003C\u002Fp\u003E\u003Cp\u003ETo make redemption even easier, Capital One also allows you to cash in your miles \u003Cem\u003Eafter \u003C\u002Fem\u003Eyou've booked travel. All you need to do is purchase your flight, hotel, \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fwhich-rewards-credit-cards-are-best-for-vacation-rentals\u002F" target="_blank"\u003Evacation rental\u003C\u002Fa\u003E, or rental car, then log into your Capital One account and apply your accrued miles to your travel purchase. They should appear as a credit on your bill within two to three business days. For a $95 annual fee, it's a great option if you're busy and don't have time to transfer miles or search for travel rewards on the Capital One portal.\u003C\u002Fp\u003E\u003Cp\u003EAs far as spending goes, you'll earn 2x miles per dollar spent on every purchase, as well as 5x per dollar spent on rental cars and hotels reserved through Capital One's portal. Right now, the company is offering a bonus of 75,000 miles for spending $4,000 in the three months after opening the card.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMultiple redemption options\u003C\u002Fli\u003E\u003Cli\u003EGenerous sign-up bonus\u003C\u002Fli\u003E\u003Cli\u003EMiles can be transferred to 17 travel partners\u003C\u002Fli\u003E\u003Cli\u003EAll purchases earn 2x miles per dollar\u003C\u002Fli\u003E\u003Cli\u003ENo foreign transaction fees\u003C\u002Fli\u003E\u003Cli\u003E$100 credit toward Global Entry or PreCheck\u003C\u002Fli\u003E\u003Cli\u003ETwo Capital One lounge passes per year\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECan't transfer miles to major US airlines or hotel chains\u003C\u002Fli\u003E\u003Cli\u003ENeed to watch your statement to make sure miles credit is applied correctly\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Capital One Venture Rewards Credit Card\" data-superlative=\"Best for busy travelers\" data-imagegroup=\"{}\" data-offer=\"{"id":"1037752e-0a5d-466e-80d8-cb79b00f4c20","slug":"capital-one-venture-card","label":"Capital One Venture Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"1037752e-0a5d-466e-80d8-cb79b00f4c20","name":"Capital One Venture Card","slug":"capital-one-venture-card","productType":"SERIES","updateType":"PRISM","mod":1651157941667,"displayDate":"Thu Apr 28 2022 10:59:01 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Capital One","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26684067&cr=31335&last_updated=1651779508","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1646fa8c-0b35-49cd-acf0-882f741f876c\" data-edition=\"us\" data-description=\"\u003Cp\u003ELove to eat? Whether you dine out or cook most of your meals at home, the American Express Gold Card is designed to \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card-for-restaurants-and-dining\u002F" target="_blank"\u003Ereward foodies\u003C\u002Fa\u003E. With it, you'll earn 4x points per dollar on restaurants around the world, as well as takeout and delivery in the U.S. Plus, you'll also score 4x points per dollar at U.S. supermarkets (up to $25,000 per year, then 1x). To sweeten the deal, you can score up to $120 in dining credits and up to $120 in Uber Cash (for rides or food) each year.\u003C\u002Fp\u003E\u003Cp\u003EOf course, the American Express Gold Card also offers travel-specific benefits. You'll accrue 3x points on flights (when booked directly with an airline or through the AmEx travel portal) and get a $100 annual credit on the Hotel Collection properties. All of your points are redeemable through the company's Membership Rewards program, where you can purchase flights, hotels, rental cars, and more. Alternatively, you can transfer points to more than 20 travel partners, including major players like Delta, Hilton, Marriott, and Radisson.\u003C\u002Fp\u003E\u003Cp\u003ECompared to the other credit cards on our list, the $250 annual fee on the American Express Gold Card may seem high. However, if you spend a lot on food, it could make sense for you. If you enroll now, you can earn an extra 60,000 bonus points for spending $4,000 in the first six months after opening the card.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E4x points on restaurants, takeout and delivery in the U.S., and U.S. supermarkets (up to $25,000 per year, then 1x); 3x points on flights\u003C\u002Fli\u003E\u003Cli\u003ESolid welcome bonus\u003C\u002Fli\u003E\u003Cli\u003ENo foreign transaction fees\u003C\u002Fli\u003E\u003Cli\u003EAnnual Uber Cash and dining credits\u003C\u002Fli\u003E\u003Cli\u003EIncludes car rental and lost baggage insurance\u003C\u002Fli\u003E\u003Cli\u003EChoose your card color (Gold or Rose Gold)\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ECons\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigher annual fee\u003C\u002Fli\u003E\u003Cli\u003EMany US airlines missing from transfer partners\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fwhy-dont-more-retailers-accept-american-express-merchant-fees\u002F" target="_blank"\u003ESome retailers don't accept American Express\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"American Express® Gold Card\" data-superlative=\"Best for foodies\" data-imagegroup=\"{}\" data-offer=\"{"id":"1fcfb7f9-025d-4e57-95ab-9720bb00362e","slug":"american-express-the-gold-card","label":"American Express The Gold Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"1fcfb7f9-025d-4e57-95ab-9720bb00362e","name":"American Express The Gold Card","slug":"american-express-the-gold-card","productType":"SERIES","updateType":"PRISM","mod":1651158152060,"displayDate":"Thu Apr 28 2022 11:02:32 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681989&cr=28240&last_updated=1598480841","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f19fb42e-56bb-48cc-baa3-12772e1ba15e\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Bank of America Travel Rewards credit card, another beginner-friendly option, doesn't have an annual fee -- but still has plenty of perks. If you choose this card, you'll earn a flat rate of 1.5x points for every dollar spent. This means that there aren't special bonus categories, which can be helpful if you're just starting out with points and miles.\u003C\u002Fp\u003E\u003Cp\u003ENot only is it simple to earn points, but it's also easy to redeem them. When you're ready, just book travel with your Bank of America card. After the charge posts to your statement, you can trade in your points for a statement credit. If you're traveling overseas, there are no foreign transaction fees, which is great to see on a no-annual-fee card.\u003C\u002Fp\u003E\u003Cp\u003EIf you belong to the America Preferred Rewards program, you can earn up to 75% more points per purchase. Plus, new cardholders can receive a 25,000-point bonus for spending $1,000 or more in the first three months after signing up.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo annual fee\u003C\u002Fli\u003E\u003Cli\u003E1.5x points on all purchases\u003C\u002Fli\u003E\u003Cli\u003EEasy to redeem points for travel\u003C\u002Fli\u003E\u003Cli\u003ENo foreign transaction fees\u003C\u002Fli\u003E\u003Cli\u003ECompetitive sign-up bonus\u003C\u002Fli\u003E\u003Cli\u003EExtra perks for BofA Preferred Rewards members\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo bonus spending categories\u003C\u002Fli\u003E\u003Cli\u003ECan't transfer points to travel partners\u003C\u002Fli\u003E\u003Cli\u003ENo trip or rental car insurance\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Bank of America® Travel Rewards credit card\" data-superlative=\"Best no annual fee card\" data-imagegroup=\"{}\" data-offer=\"{"id":"1de8e8d8-758e-43f3-a14d-1365b7579f64","slug":"bank-of-america-travel-rewards","label":"Bank of America Travel Rewards","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"1de8e8d8-758e-43f3-a14d-1365b7579f64","name":"Bank of America Travel Rewards","slug":"bank-of-america-travel-rewards","productType":"SERIES","updateType":"PRISM","mod":1651158361119,"displayDate":"Thu Apr 28 2022 11:06:01 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2d31f457-44d4-4d7b-a6c5-3bec5af1e41c\" data-edition=\"us\" data-description=\"\u003Cp\u003EOverall, the Chase Sapphire Preferred is the best credit card if you're new to travel rewards. It does come with a $95 annual fee, but it's easy to justify that expense with the annual hotel credit, sign-up bonus, no foreign transaction fees, bonus spending categories, and travel insurance features.\u003C\u002Fp\u003E\" data-hed=\"What is the best travel card for beginners?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECard\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EAnnual Fee\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPoints Earnings\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EExtra Perk\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EChase Sapphire Preferred\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$95\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E1x points on all purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E2x points on travel\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E3x points on dining, streaming services, and online groceries\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E5x points on Lyft, Peloton, and travel booked through Chase's portal\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$50 annual hotel credit\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECapital One Venture Rewards\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$95\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E2x miles on all purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E5x miles on rental cars and hotels reserved through Capital One's portal\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ETwo airport lounge passes per year\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EChase Freedom Unlimited\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E1.5% cashback on all purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EAdditional 3% at restaurants and 3% at drugstores\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E5% on Lyft\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EReceive cashback on your statement or into a checking or savings account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAmerican Express Gold Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$250\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E1x points on all purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E3x points on flights booked direct with the airline or through AmEx's portal\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E4x points on restaurants, takeout, and grocery stores\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$120 Uber Cash per year\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EBank of America Travel Rewards\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E1.5x points on all purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENo foreign transaction fees\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"90fec1e9-df8b-4423-bbbe-ccb49ecf48a2\" data-edition=\"us\" data-description=\"\u003Cp\u003EFor many people, yes. Even if you're only an occasional traveler, you can use your points and miles to cover the costs of flights, hotels, and rental cars. Plus, many travel cards include great perks like trip cancelation insurance, lost baggage insurance, and rental car insurance. However, if you're in debt or struggling to pay your credit card bills in full each month, a travel credit card may not be the best choice for you.\u003C\u002Fp\u003E\" data-hed=\"Are travel credit cards worth it?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b279dda9-415c-4f90-8e4b-8547bd6b7f8d\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn most cases, you need a "good" or "excellent" credit score (\u003Ca href="https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Fwhat-credit-score-do-i-need-to-get-a-travel-rewards-credit-card\u002F" target="_blank"\u003E670 or higher\u003C\u002Fa\u003E) to be approved for a travel credit card.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What credit score do you need to get a travel credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7ed551ae-2927-4b41-a080-07a029b99a1d\" data-edition=\"us\" data-description=\"\u003Cp\u003ENo, but it helps. Most non-travel cards (like debit cards) charge foreign transaction fees, which can be around 3% per purchase. With cards like the Chase Sapphire Preferred or the Bank of America Travel Rewards card, you won't need to pay these&nbsp;fees when you're overseas.\u003C\u002Fp\u003E\" data-hed=\"Do you need a travel card for an international trip?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"bdcb2c1c-6438-4ff8-b9e5-47cec194b10d\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe credit card space is highly competitive, with issuers offering tons of perks and features to attract new customers. To choose these five cards, we looked at several factors, including:&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EFees: \u003C\u002Fstrong\u003EThe annual fees on travel credit cards range from $0 to $600+. Our picks are on the lower end of this spectrum to accommodate beginners who are just starting their journey with travel rewards.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EPoints-per-dollar earnings: \u003C\u002Fstrong\u003EThis is one of the most important considerations when it comes to travel cards. When redemption rates are higher (3x to 5x points per dollar), you'll get more value from your everyday purchases -- particularly if you spend a lot in certain categories. For this list, we chose cards with a variety of earning rates and bonus categories.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ESign-up bonuses: \u003C\u002Fstrong\u003EAlso known as welcome offers, sign-up bonuses reward you for spending a certain amount of money after opening a card. In many cases, these bonuses can cover the costs of roundtrip flights or multiple nights at a hotel. Our travel card picks all have competitive welcome offers.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EExtra features: \u003C\u002Fstrong\u003EFrom airport lounge access to hotel credit to concierge services, each travel card has its own set of attractive bonus features. The cards on this list include a mix of features, so you can choose the ones that appeal most to you.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these credit cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c1b69259-01f4-4c26-9b55-5af1145277bf\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile each of these five cards is great in its own way, there are certain ones that might make more sense depending on your personal situation.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFor instance, if you're just testing the waters with travel rewards or don't plan to travel often, you might consider a card with a $0 annual fee (like the Chase Freedom Unlimited or the Bank of America Travel Rewards).\u003C\u002Fp\u003E\u003Cp\u003EOn the other hand, if you're planning a few big trips, you might be better off choosing a card with a generous welcome offer or the ability to transfer points to travel partners. In that case, cards like the Chase Sapphire Preferred or the American Express Gold Card are wonderful options.\u003C\u002Fp\u003E\" data-hed=\"Which card is the right credit card for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4048ead4-2d9a-4198-82a1-15c5ed2623cd\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe travel cards listed above are some of the best options for beginners, but there are also a handful of other ones to consider, including:&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ECapital One Venture X Rewards Credit Card:\u003C\u002Fstrong\u003E&nbsp;This card offers 10x miles on rental cars and hotels and 5x miles on flights (as long as you book through the Capital One portal). It comes with a $395 annual fee.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EChase Ink Business Preferred\u003C\u002Fstrong\u003E®\u003Cstrong\u003E&nbsp;Credit Card: \u003C\u002Fstrong\u003EIf you're a \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-travel-rewards-business-credit-card\u002F" target="_blank"\u003Ebusiness owner\u003C\u002Fa\u003E, you can use this card to earn 3x points on travel and several business categories. There's a $95 annual fee, and the card currently has a 100,000-point welcome bonus.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EDelta SkyMiles® Platinum American Express Card: \u003C\u002Fstrong\u003EWe didn't include any hotel or \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-airline-credit-card\u002F" target="_blank"\u003Eairline-specific cards\u003C\u002Fa\u003E on our list, but if you're looking for a good option, this Delta card is worth considering. As a cardholder, you'll earn 3x miles on Delta and hotel purchases and 2x miles at U.S. supermarkets and restaurants worldwide. Its fee is $250 per year (\u003Ca href="https:\u002F\u002Fwww.americanexpress.com\u002Fus\u002Fcredit-cards\u002Fcard-application\u002Fapply\u002Fprospect\u002Fterms\u002Fdelta-skymiles-platinum-american-express-card\u002F25330-10-0#FeeTable" target="_blank"\u003Esee rates and fees\u003C\u002Fa\u003E).\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E&nbsp;Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003C\u002Fp\u003E\" data-hed=\"Are there alternative credit cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-28 15:26:00",timezone:"UTC",updated:c,published:c},description:"Looking for a credit card that makes it easy to accrue and redeem points for travel? Find out why the Chase Sapphire Preferred Card is our top pick.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"364a8c7b-6bf3-40ec-9662-2d73fd453f21",image:{id:"73606e75-6857-40fa-b524-20b768639527",filename:"gettyimages-1302813215-air-travel2.jpg",dateCreated:{created:c,date:"2022-04-27 16:34:27",timezone:"UTC",updated:c,published:c},alt:"Airplane wing in flight",credits:"Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F04\u002F27\u002F73606e75-6857-40fa-b524-20b768639527\u002Fgettyimages-1302813215-air-travel2.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1435,height:1076,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The best travel cards for beginners",section:b,slug:"best-travel-cards-for-beginners",startYear:c,summary:b,title:"Best travel card for beginners (2022)",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"11baf11b-3a05-49bc-9e65-f704f249f582",slug:"digital-assets",name:"Digital Assets",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"3f95fcb4-e4fc-46bf-91d1-4b9ae78397b0",slug:"transportation",name:"Transportation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ETraveling is stressful enough without worrying about whether you have the right travel insurance. It's something that is easy to forego in the rush and excitement of a trip, and yet, travel insurance can end up saving you thousands of dollars if something goes wrong. \u003C\u002Fp\u003E\u003Cp\u003EWhether you are traveling for work or have simply caught the travel bug, these are the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-travel-credit-card\u002F\" target=\"_blank\"\u003Ebest credit cards for travel\u003C\u002Fa\u003E insurance before you embark on your voyage. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e1c260b5-7d48-4258-ac64-1dd69a4ba2c4\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith the Chase Sapphire Reserve Credit Card, you begin earning right away with 60,000 bonus points after spending $4,000 on purchases within the first three months of having the card. If you redeem your points through Chase Ultimate Rewards, it is the equivalent of $900 toward travel. After you spend your first $300 each year, you earn 5x the total points on flights, 10x the total points on hotels and car rentals, and 3x the points on your other travel. If you like eating out, this card is great, too, because you earn 3x the points on dining at restaurants, whether you are dining out, ordering in, or opting for takeout. All other purchases earn one point per dollar.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EChase also offers a few extra perks, like Pay Yourself Back, where you can redeem your points for 50% more when you trade them in for statement credits and use them for rotating categories. At the end of each year, Chase gives you an annual travel credit of up to $300. There are no foreign transaction fees, but many other fees with a $550 annual fee that is typical of American Express but not so much with other credit cards.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECompetitive rewards rate\u003C\u002Fli\u003E\u003Cli\u003EGenerous introductory offer\u003C\u002Fli\u003E\u003Cli\u003ELuxury travel benefits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh fees\u003C\u002Fli\u003E\u003Cli\u003EExcellent credit recommended&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Chase Sapphire Reserve®\" data-superlative=\"Best travel insurance credit card overall\" data-imagegroup=\"{}\" data-offer=\"{"id":"5a8db76b-bf07-4381-a78a-8891a2f25a5e","slug":"chase-sapphire-reserve","label":"Chase Sapphire Reserve","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"5a8db76b-bf07-4381-a78a-8891a2f25a5e","name":"Chase Sapphire Reserve","slug":"chase-sapphire-reserve","productType":"PRODUCT","updateType":"PRISM","mod":1657395992624,"displayDate":"Sat Jul 09 2022 15:46:32 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682567&cr=28288&last_updated=1598566309","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8ee3fd87-8785-4962-a30e-38cd689bc6c3\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fthe-chase-sapphire-preferred-great-for-general-travelers\u002F"\u003EChase Sapphire Preferred Credit Card\u003C\u002Fa\u003E is stacked with rewards, giving you some of the best and most competitive rewards for travel credit cards. When you spend $4,000 on purchases within the first three months, you receive 60,000 bonus points. If you redeem them through Chase Ultimate Rewards, it is the equivalent of $750 toward travel. Chase will also reward you with up to $50 in statement credits each year when you book your hotels through Chase Ultimate Rewards.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou can also earn 5x the travel points when you book through Chase Ultimate Rewards. Dining rewards earn you 3x the dining points, including takeout and delivery purchases. You also earn 3x the points on your online grocery purchases, but this excludes certain popular retailers, such as Walmart, Target, and wholesale clubs like Costco.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere are 3x the points on certain streaming services, 2x points on your other travel purchases, and one point per dollar on all of your other purchases. At the end of the year, Chase gives you a special reward in the form of 10% back on your total annual purchases in bonus points.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigher rewards for dining and travel\u003C\u002Fli\u003E\u003Cli\u003EIntroductory offer&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EAccess to travel partners\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAnnual fee\u003C\u002Fli\u003E\u003Cli\u003EMust book through Chase for the best travel rewards\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Chase Sapphire Preferred® Card\" data-superlative=\"Best low annual fee\" data-imagegroup=\"{}\" data-offer=\"{"id":"ec4d89e5-335a-432f-b939-5e6661aebb19","slug":"chase-sapphire-preferred","label":"Chase Sapphire Preferred","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"ec4d89e5-335a-432f-b939-5e6661aebb19","name":"Chase Sapphire Preferred","slug":"chase-sapphire-preferred","productType":"PRODUCT","updateType":"PRISM","mod":1657396293555,"displayDate":"Sat Jul 09 2022 15:51:33 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682581&cr=28126&last_updated=1598401437","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"094df357-3a60-4cf6-a71b-9a7212faef1d\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fchase-ink-business-preferred-card-review\u002F"\u003EInk Business Preferred Credit Card\u003C\u002Fa\u003E is our pick for travel insurance's best business credit card. The rewards are handsome, too, with 100,000 bonus points when you spend $15,000 in purchases within the first three months of having the card. If you redeem through Chase Ultimate Rewards, you receive 25% more in bonus points.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EChase also rewards you for purchases in certain categories, like shipping, advertising, travel, internet and phone, with 3x the points on your purchases each year. From there, you earn unlimited 1x per dollar spent. There is no expiration date, either, so you can take your time redeeming them as long as you have the card.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EIntroductory bonus&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ETravel and business rewards\u003C\u002Fli\u003E\u003Cli\u003ENo foreign transaction fee\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo introductory APR offer\u003C\u002Fli\u003E\u003Cli\u003EAnnual fee applies\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Ink Business Preferred® Credit Card \" data-superlative=\"Best for small business\" data-imagegroup=\"{}\" data-offer=\"{"id":"1219b3ee-24be-4ee1-a852-e21fa73e831d","slug":"chase-ink-business-preferred","label":"Chase Ink Business Preferred","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"1219b3ee-24be-4ee1-a852-e21fa73e831d","name":"Chase Ink Business Preferred","slug":"chase-ink-business-preferred","productType":"PRODUCT","updateType":"PRISM","mod":1657396365481,"displayDate":"Sat Jul 09 2022 15:52:45 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682580&cr=28582&last_updated=1600378086","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6cd93d48-9a8a-44db-a7d7-5db6c04b3287\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Famerican-express-platinum-card-is-695-annual-fee-worth-it\u002F"\u003EPlatinum Card® from American Express\u003C\u002Fa\u003E might have a steep annual fee, but the rewards are still impressive. After you spend your first $6,000 in purchases in the first 6 months, you receive 80,000 Membership Rewards® Points. There are other travel benefits, too, like up to a $200 Hotel Credit when you book through American Express Travel and pay in advance. You can also receive up to a $200 hotel credit on your statement when you book prepaid Fine Hotels + Resorts® and have a minimum two-night stay at The Hotel Collection booking through American Express Travel. Amex rewards you while you are traveling, too, with access to over 1,400 airport lounges in 650 cities and 140 countries.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere is an up to $200 airline fee statement credit, plus $189 back on your CLEAR® Plus membership annually. Beyond your travel benefits, American Express gives you up to $300 statement credit for Equinox fitness per calendar year and up to $100 when you shop at Saks Fifth Avenue ($50 semi-annually). Other rewards include a $155 Walmart+ credit (subject to auto-renewal), up to a $200 Uber Cash credit, and up to a $240 Digital Entertainment Credit toward entertainment services like Audible, Disney+, and Hulu.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EImpressive selection of benefits\u003C\u002Fli\u003E\u003Cli\u003ETravel perks\u003C\u002Fli\u003E\u003Cli\u003EBuilt-in elite status\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EVery high annual fee\u003C\u002Fli\u003E\u003Cli\u003EGood to Excellent credit recommended\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"The Platinum Card® from American Express\" data-superlative=\"Best luxury travel credit card\" data-imagegroup=\"{}\" data-offer=\"{"id":"a433ff84-0d2c-4010-b464-d45059415857","slug":"american-express-the-platinum-card","label":"American Express The Platinum Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"a433ff84-0d2c-4010-b464-d45059415857","name":"American Express The Platinum Card","slug":"american-express-the-platinum-card","productType":"PRODUCT","updateType":"PRISM","mod":1657396421930,"displayDate":"Sat Jul 09 2022 15:53:41 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681966&cr=28282&last_updated=1598565914","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1776d0ce-d4db-4d18-a770-2cab5430d733\" data-edition=\"us\" data-description=\"\u003Cp\u003EWe consider several factors when determining the best credit cards for travel insurance.&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ETravel benefits:&nbsp;\u003C\u002Fstrong\u003EMany credit card companies such as Chase and American Express offer special travel insurance to secure your trip against unplanned cancellations.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAPR\u003C\u002Fstrong\u003E: Your APR determines how much you spend in interest, so we look for credit cards with low interest to help save you and your family money.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E: Many credit cards also charge fees, such as foreign transaction fees, annual fees, and balance transfer fees. Be sure to review the fee schedule in-depth to ensure that you have the right card for you.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EIntroductory offer\u003C\u002Fstrong\u003E: Credit cards tend to entice new cardholders with special offers, like bonus points or cash back on your purchases. &nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EBefore you commit to a new credit card, we recommend that you carefully review the terms and conditions to ensure that your chosen credit card is the best for you.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How did we choose these travel insurance credit cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"eec5e173-47bf-468e-9077-b5a7db0a3b35\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo help you determine the best credit card for travel insurance, we offer these considerations so you can find the right card for your future travels.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this travel insurance credit card...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf you...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EChase Sapphire Reserve Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant the overall best protections\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EChase Freedom Unlimited Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EDon't want to waste money on an annual fee\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EChase Sapphire Preferred Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EDo not mind an annual fee but do not want to spend a ton either\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EInk Business Preferred Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant travel perks for your small business\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EThe Platinum Card® from American Express\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant travel perks for your Amex\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right travel insurance credit card for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4f0c06ed-1258-43dc-bcdd-bb7cea6435bf\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you are a regular traveler, travel insurance can help you secure both your trip and belongings while you are away from home. &nbsp;&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Is a credit card with travel insurance worth it?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"92ccad1d-b98a-4a62-b49b-e901c198a85a\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Chase Freedom Unlimited Credit Card has the lowest starting APR at 19.74% with an exclusive introductory offer that includes a 0% APR for the first 15 months.\u003C\u002Fp\u003E\" data-hed=\"What is the best APR for a travel credit card with insurance?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"fb722c56-4563-4d21-8eca-9d43b4bde83a\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn our search, we found some other excellent credit cards that may make traveling easier for you:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECapital One Venture X Rewards Credit Card: A great card for everyday use\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fdelta-skymilesr-reserve-american-express-card-review\u002F" target="_blank"\u003EDelta SkyMiles® Reserve American Express Card: Preferred by Delta loyalists\u003C\u002Fa\u003E\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternative cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cem\u003EOpinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.\u003C\u002Fem\u003E    \u003C\u002Fp\u003E\u003Cp\u003EWhile comparing credit cards, consider our expert picks for the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-airline-credit-card\u002F\"\u003Ebest airline credit cards\u003C\u002Fa\u003E, the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-travel-credit-card\u002F\"\u003Ebest credit cards for travel\u003C\u002Fa\u003E, and the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-international-travel-credit-card\u002F\"\u003Ebest international travel credit cards\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-12 17:29:00",timezone:"UTC",updated:c,published:c},description:"What is the best travel insurance credit card? It is the Chase Sapphire Reserve Credit Card, which offers excellent benefits matched with precious protections. Consider these best credit cards for travel insurance before your next trip.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"7e98429e-0447-4fd0-8b49-66298c61d16c",image:{id:"ce04e32a-40d3-429c-8b67-d87e02c488c5",filename:"gettyimages-519517731.jpg",dateCreated:{created:c,date:"2022-07-12 17:44:09",timezone:"UTC",updated:c,published:c},alt:"ZDNet's The Best Credit Cards for Travel Insurance",credits:"https:\u002F\u002Fwww.istockphoto.com\u002Fsearch\u002F2\u002Fimage?phrase=travel+credit+card",caption:"\u003Cp\u003EZDNet's The Best Credit Cards for Travel Insurance\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F12\u002Fce04e32a-40d3-429c-8b67-d87e02c488c5\u002Fgettyimages-519517731.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1296,height:729,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The 5 best travel insurance credit cards: Benefits matched with protection",section:b,slug:"best-travel-insurance-credit-card",startYear:c,summary:b,title:"The 5 best travel insurance credit cards of 2022",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"f38a6ae7-332c-4e4c-b0ec-ea2601e1d71f",username:"Erin Gobler",profileUrl:c,email:c,firstName:"Erin",lastName:"Gobler",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"5273e8dd-f1f4-4e81-97ce-565a5a1c9ad3",filename:"erin-gobler-author.jpg",dateCreated:{created:c,date:"2021-06-30 15:31:56",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F30\u002F5273e8dd-f1f4-4e81-97ce-565a5a1c9ad3\u002Ferin-gobler-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Erin Gobler is a personal finance writer based in Madison, Wisconsin. She writes about topics including budgeting, student loans, credit, mortgages, investing, and insurance. Her work has been published in financial publications and startups such as The Simple Dollar, LendingTree, Robinhood, and more.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EBuy now, pay later apps have become increasingly popular to help consumers pay off purchases over a longer period of time. Their ease of use, low fees and often interest-free payments have made them attractive options for shopping both online and in-person. And in an era when many people are living paycheck to paycheck, these apps help people to make purchases they otherwise couldn't afford.\u003C\u002Fp\u003E\u003Cp\u003EBuy now, pay later apps are useful tools, but they aren't all created equally. Below we've rounded up our six favorite apps to help you choose the right one for you.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d373a1a3-3f46-4d91-b67f-ed1d07616444\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EInterest charged: 0-36% APR\u003C\u002Fli\u003E\u003Cli\u003ERepayment terms: 3-12 months\u003C\u002Fli\u003E\u003Cli\u003EBorrowing amounts: $17,500\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EFounded in 2012, Affirm is one of the original buy now, pay later apps. Affirm allows you to finance purchases of up to $17,500 and split it into multiple payments, choosing between multiple repayment plans. You can pay your purchase off over three, six or 12 monthly payments. You can also use the pay in 4 feature, allowing you to make a purchase now and pay it off over four installments-the first is due at checkout. With this option, you won't pay any interest fees.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAffirm does conduct a soft credit check on applicants as well as conducts a soft pull of your credit, but neither will hurt your credit score. Using an Affirm loan to make a purchase, however, may impact your credit score, so make sure to be on top of your monthly loan payments to ensure you're building your credit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAffirm doesn't charge any fees, including late fees, prepayment fees or annual fees. You might pay interest depending on the size of your purchase, where you're shopping and the payment plan you choose. If you do owe interest, you'll know exactly how much upfront.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EYou can finance purchases up to $17,500.\u003C\u002Fli\u003E\u003Cli\u003ENo fees, including late fees, prepayment fees, or other.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EYou can choose from multiple repayment plans.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EAccepted at most major retailers.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ESome transactions require paying interest.\u003C\u002Fli\u003E\u003Cli\u003EAlthough they conduct a soft pull during your loan application, accepting the loan may impact your score.&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Affirm\" data-superlative=\"Best buy now, pay later app overall\" data-imagegroup=\"{"alt":"affirm.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Affirm","imageData":{"id":"bb4cebb1-2e8d-43e4-bd3f-f6ee36cf9a97","title":"Affirm","filename":"affirm-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F02\u002F21\u002Fbb4cebb1-2e8d-43e4-bd3f-f6ee36cf9a97\u002Faffirm-app.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":40187,"width":1000,"height":542,"dateCreated":{"date":"2022-02-21 21:47:29","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-07-12 22:03:07","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Affirm","alt":"Affirm","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["affirm","app","money"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"bb4cebb1-2e8d-43e4-bd3f-f6ee36cf9a97","imageAltText":"affirm.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Affirm","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"affirm-app.jpg","imageDateCreated":"2022\u002F02\u002F21","imageWidth":1000,"imageHeight":542,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Affirm\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Affirm","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Faffirm.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Faffirm-buy-now-pay-over-time\u002Fid967040652","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.affirm.central&hl=en_US&gl=US","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8183d047-4a0e-46bd-94a7-ffb62a896d75\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EInterest charged: None\u003C\u002Fli\u003E\u003Cli\u003ERepayment terms: 4 installments every 2 weeks\u003C\u002Fli\u003E\u003Cli\u003EBorrowing amounts: Depends on your history with Afterpay\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAfterpay was founded in 2014 in Australia and has since expanded across the globe to the US, Canada, the UK, New Zealand, and, as Clearpay, in the EU. It allows customers to finance purchases across four payments over six weeks. And it stands out among other buy now, pay later services in that you'll never pay interest.\u003C\u002Fp\u003E\u003Cp\u003ETo shop with Afterpay, simply shop online or in person as you normally would at participating stores. When you're ready to check out, you'll make the first of four payments. The rest of your payments will happen every two weeks over a period of six weeks.\u003C\u002Fp\u003E\u003Cp\u003EAfterpay never does credit checks or report late payments, so using it won't affect your credit score. Spending limits start at $500 and increase as you responsibly use the app. Keep in mind that Afterpay does charge a fee on late payments, which can be 25% of your original order amount or $8, whichever is higher.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENever conducts a credit checks or reports late payments.\u003C\u002Fli\u003E\u003Cli\u003EYou won't pay interest no matter the size of your purchase.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EYour spending limit increases as you use Afterpay responsibly.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EA fee of up to $8 per late payment may be charged and your account is paused until current.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EEach transaction is approved separately, and some may be declined.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EShorter repayment periods of only six weeks.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Afterpay\" data-superlative=\"Best buy now pay later app for no interest\" data-imagegroup=\"{"alt":"afterpay.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Afterpay","imageData":{"id":"f5ef0e58-3292-42bf-b053-7f5ad170913b","title":"Afterpay","filename":"image-40.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F08\u002Ff5ef0e58-3292-42bf-b053-7f5ad170913b\u002Fimage-40.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":94471,"width":1296,"height":728,"dateCreated":{"date":"2022-03-08 06:25:52","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-07-12 22:03:15","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Afterpay","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"f5ef0e58-3292-42bf-b053-7f5ad170913b","imageAltText":"afterpay.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Afterpay","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"image-40.jpg","imageDateCreated":"2022\u002F03\u002F08","imageWidth":1296,"imageHeight":728,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Afterpay\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Afterpay","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.afterpay.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fafterpay-buy-now-pay-later\u002Fid1401019110","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.afterpaymobile.us&hl=en_US&gl=US","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4c83edaf-a0ff-4bb7-99f7-ebd3650947bf\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EInterest charged: 0-19.99% APR on financed purchases\u003C\u002Fli\u003E\u003Cli\u003ERepayment terms: Up to 36 months on financed items, or 4 installments every 2 weeks\u003C\u002Fli\u003E\u003Cli\u003EBorrowing amounts: Limit determined by payment history, balance owed, and credit history\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EKlarna is another one of the most popular buy now, pay later apps on the market. It was founded in 2005 in Stockholm, Sweden, and launched in the US a decade later.\u003C\u002Fp\u003E\u003Cp\u003EThe most significant benefit of Klarna over its competitors is that it comes with plenty of flexible repayment plans. First, you can choose to pay off your purchase in four interest-free payments paid every two weeks. With this payment plan, you won't pay any interest. You can also choose to buy your item now and pay for it in full in 30 days. Like the Pay in 4 option, you won't pay interest. Finally, you can finance a purchase over periods of 6 to 36 months.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EKlarna runs soft credit checks when approving you for its services, meaning it won't impact your credit. You won't pay interest for the Pay in 4 or Pay in 30 options, but you will if you finance your purchase over a longer period. If you miss a payment, you will be charged a late fee of $7 per missed payment, but late fees won't exceed 25% of your order value.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EFlexible repayment options up to 36 months.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENo interest on the six-week and 30-day repayment plans.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EIt can be used anywhere that accepts Visa.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EA late fee of $7 for missed payments.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EPotentially high-interest rates on longer financing terms.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Klarna\" data-superlative=\"Best buy now pay later app for flexible repayment\" data-imagegroup=\"{"alt":"klarna.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Klarna","imageData":{"id":"f78bf6c0-80c2-4c2e-a664-089c40348f19","title":"Klarna","filename":"image-41.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F08\u002Ff78bf6c0-80c2-4c2e-a664-089c40348f19\u002Fimage-41.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":453125,"width":2242,"height":1184,"dateCreated":{"date":"2022-03-08 06:26:30","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-07-12 22:03:28","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Klarna","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"f78bf6c0-80c2-4c2e-a664-089c40348f19","imageAltText":"klarna.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Klarna","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"image-41.jpg","imageDateCreated":"2022\u002F03\u002F08","imageWidth":2242,"imageHeight":1184,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Klarna\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Klarna","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.klarna.com\u002Fus\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.myklarnamobile&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fklarna-shop-now-pay-later\u002Fid1115120118","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"144b8914-63ed-44d9-b968-ab833784e085\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EInterest charged: None\u003C\u002Fli\u003E\u003Cli\u003ERepayment terms: 4 installments every 2 weeks\u003C\u002Fli\u003E\u003Cli\u003EBorrowing amounts: $30-$1,500\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EYou've probably already heard of (and may already use) PayPal, but you might not have known that they offer a buy now, pay later option. This feature is available for PayPal users 18 years or older with an account in good standing. The service isn't available with all merchants yet, but can be used with many retailers you already use PayPal for.\u003C\u002Fp\u003E\u003Cp\u003EWhen you use PayPal's Pay in 4 feature, you'll be able to split your purchase into four payments. You'll make the first payment at the time of purchase and subsequent payments every two weeks until the purchase has been paid off. You'll know a purchase is eligible for Pay in 4 at checkout when you use PayPal.\u003C\u002Fp\u003E\u003Cp\u003EPayPal only runs soft credit checks, meaning it won't impact your credit score. The company doesn't charge interest for purchases on its Pay in 4 service, and it can be used for purchases ranging from $30 to $1,500.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ERequires four interest-free payments.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EPayPal is a recognizable brand that many people already have an account.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENot available for all purchases made with PayPal.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EA soft credit check may be needed.\u003C\u002Fli\u003E\u003Cli\u003ENot available for residents of Missouri, Nevada, New Mexico, North Dakota, Wisconsin, or any US Territories.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"PayPal Pay in 4\" data-superlative=\"Best buy now pay later for PayPal users\" data-imagegroup=\"{"alt":"paypal.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"PayPal","imageData":{"id":"45bb789b-a8c0-400a-a45f-b4e6226e2bf6","title":"PayPal Pay in 4","filename":"image-43.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F08\u002F45bb789b-a8c0-400a-a45f-b4e6226e2bf6\u002Fimage-43.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":367288,"width":1600,"height":1069,"dateCreated":{"date":"2022-03-08 06:27:56","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-07-12 22:03:41","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"PayPal Pay in 4","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"45bb789b-a8c0-400a-a45f-b4e6226e2bf6","imageAltText":"paypal.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"PayPal","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"image-43.jpg","imageDateCreated":"2022\u002F03\u002F08","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"PayPal\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fpaypal.prf.hn\u002Fclick\u002Fcamref:1011lozuK\u002Fpubref:[subid_value]\u002Fdestination:https%3A%2F%2Fwww.paypal.com%2Fus%2Fdigital-wallet%2Fways-to-pay%2Fbuy-now-pay-later","offerMerchant":"PayPal","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.paypal.com\u002Fus\u002Fdigital-wallet\u002Fways-to-pay\u002Fbuy-now-pay-later","url":"https:\u002F\u002Fpaypal.prf.hn\u002Fclick\u002Fcamref:1011lozuK\u002Fpubref:[subid_value]\u002Fdestination:https%3A%2F%2Fwww.paypal.com%2Fus%2Fdigital-wallet%2Fways-to-pay%2Fbuy-now-pay-later"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.paypal.android.p2pmobile&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fca\u002Fapp\u002Fpaypal\u002Fid283646709","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1720676b-f11f-4abf-89a7-cf31a67e793d\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EInterest charged: None\u003C\u002Fli\u003E\u003Cli\u003ERepayment terms: Up to 24 months\u003C\u002Fli\u003E\u003Cli\u003EBorrowing amounts: Based on your credit card's available balance\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ESplitit was founded in 2012 in New York City with the mission of empowering consumers to use credit while living an interest-free life. What's unique about Splitit is that when you check out, you use your existing credit card. Then Splitit uses your credit card to turn your purchase into smaller purchases over your desired payment term.\u003C\u002Fp\u003E\u003Cp\u003ESplitit stands out from other buy now, pay later apps with its generous repayment terms. First, unlike many providers that allow you to split your purchase up into four payments, Splitit allows you to pay your purchases off over 24 payments. And no matter how long your repayment term, you won't pay interest.\u003C\u002Fp\u003E\u003Cp\u003EBecause you're using your existing credit limit, Splitit doesn't require a credit check to sign up or make purchases. There are also no late fees if you miss a payment or pay after the due date.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EInterest-free payments.\u003C\u002Fli\u003E\u003Cli\u003EPayment terms of anywhere from three to 24 payments.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENo credit check since you're using your existing credit.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ERequires that you already have a credit card you can use.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENot available with AmEx or Discover credit cards.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Splitit\" data-superlative=\"Best buy now pay later app for a long repayment\" data-imagegroup=\"{"alt":"splitit.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Splitit","imageData":{"id":"795051dc-838d-44d3-80a5-f2702dcbaae4","title":"Splitit","filename":"image-44.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F08\u002F795051dc-838d-44d3-80a5-f2702dcbaae4\u002Fimage-44.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":96066,"width":1802,"height":1044,"dateCreated":{"date":"2022-03-08 06:28:30","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-07-12 22:03:50","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Splitit","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"795051dc-838d-44d3-80a5-f2702dcbaae4","imageAltText":"splitit.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Splitit","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"image-44.jpg","imageDateCreated":"2022\u002F03\u002F08","imageWidth":1802,"imageHeight":1044,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Splitit\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Splitit","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.splitit.com\u002Fhow-it-works\u002F","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2ae6d70e-4f54-4e27-89d0-5e5c1a52f625\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EInterest charged: None\u003C\u002Fli\u003E\u003Cli\u003ERepayment terms: Repayment tied to your employment&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EBorrowing amounts: Spending limit tied to your income\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EPerpay is a buy now, pay later app specifically designed for those who need help building their credit. When you sign up and make purchases, you won't be subject to hard credit checks. But as you make your payments, Perpay will report them to the three credit bureaus -- Equifax, Experian and TransUnion -- helping you to boost your credit history and credit score.\u003C\u002Fp\u003E\u003Cp\u003EWhen you make a purchase with Perpay, your first payment won't be due until your next payday. The catch is that your items won't ship until you make that first payment. You'll make payments that correspond with your pay schedule. For example, if you're paid monthly, then you'll make monthly payments.\u003C\u002Fp\u003E\u003Cp\u003EWhile Perpay doesn't require a hard inquiry to sign up, they do require that you hold a reliable job. You'll have to submit pay stubs to prove your income. You won't have to pay interest and won't pay any fees on your purchases.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo hard credit inquiry required to borrow.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EReports to credit bureaus to help you build credit.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EFlexible repayment that corresponds with your pay schedule.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENo interest or fees.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EItems aren't shipped until you make your first payment.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ESpending is limited to Perpay's online marketplace.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EYou have to set up direct deposit for your payments.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Perpay\" data-superlative=\"Best buy now pay later app for bad credit\" data-imagegroup=\"{"alt":"perpay.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Perpay","imageData":{"id":"a07054f7-a9b6-47af-93bf-07e55c890bf5","title":"Perpay","filename":"image-45.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F08\u002Fa07054f7-a9b6-47af-93bf-07e55c890bf5\u002Fimage-45.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":194087,"width":1600,"height":1069,"dateCreated":{"date":"2022-03-08 06:29:26","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-07-12 22:04:02","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Perpay","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"a07054f7-a9b6-47af-93bf-07e55c890bf5","imageAltText":"perpay.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Perpay","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"image-45.jpg","imageDateCreated":"2022\u002F03\u002F08","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Perpay\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fperpay.pxf.io\u002Fc\u002F159047\u002F1135262\u002F14369?&sharedId=zdnet&u=https%3A%2F%2Fperpay.com%2F&subId1=[subid_value]","offerMerchant":"Perpay","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fperpay.com\u002F","url":"https:\u002F\u002Fperpay.pxf.io\u002Fc\u002F159047\u002F1135262\u002F14369?&sharedId=zdnet&u=https%3A%2F%2Fperpay.com%2F&subId1=[subid_value]"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fperpay-shop-and-build-credit\u002Fid1421276642","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.perpay.mobile&hl=en_US&gl=US","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"54749279-94ea-4dad-98aa-76950d16a574\" data-edition=\"us\" data-description=\"\u003Cp\u003EAffirm is the best option available. It offers a pay-in-4 model, allowing you to spread out your purchase over six weeks with no interest. And if you need more wiggle room when repaying, you can finance purchases up to $17,500 (with credit approval).&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EBuy now, pay later apps\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EInterest charged?\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ERepayment terms\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EBorrowing amounts\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAffirm\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0-36% APR\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E3-12 months\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$17,500\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAfterpay\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENone\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E4 installments every 2 weeks\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EDepends on your history with Afterpay\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EKlarna\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0-19.99% APR on financed purchases\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EUp to 36 months on financed items, or 4 installments every 2 weeks\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ELimit determined by payment history, balance owed, and credit history\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPayPal Pay in 4\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENone\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E4 installments every 2 weeks\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$30-$1,500\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ESplitit\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENone\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EUp to 24 months\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EBased on your credit card's available balance\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPerpay\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENone\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ERepayment tied to your employment&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ESpending limit tied to your income\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best buy now, pay later app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"519a9d44-56fd-4dd2-b838-d2be1e81d368\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're considering using a buy now, pay later app, it can be difficult to know which is right for you. After all, they all serve a similar purpose but have some critically different features. Here are a few questions to ask yourself when choosing the right buy now, pay later app for you:\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EWhat is your credit history like?\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EIf you have poor credit, then you may be better off choosing a service that doesn't require a credit check. In fact, you may be best served by one that reports to the credit bureaus to help you build your credit. Perpay is a good example of such a service.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EHow much are you spending?&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EEach buy now, pay later app has its own spending limits, and for larger purchases, you may be more limited in which you can use. Certain apps, such as Affirm, are specifically designed for larger purchases.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EHow quickly can you pay it off?\u003C\u002Fstrong\u003E&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ECertain buy now, pay later apps only allow for six-week payment terms or charge interest on longer payment terms. Consider how long you need to pay off your purchase and whether you'll be charged interest during that time.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EWhere are you shopping?\u003C\u002Fstrong\u003E&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EEach of the buy now, pay later apps on our list is only accepted at certain retailers, so be sure to choose a service that is compatible with the retailers you plan to shop at.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this buy now, pay later app...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf you want or are…\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAffirm\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EBest for large purchases\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAfterpay\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant no interest\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EKlarna\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFlexible repayment terms\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPayPal Pay in 4\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFor PayPal users\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ESplitit\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ELonger repayment terms\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPerpay\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EBest for bad credit&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which buy now, pay later app is right for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"202aa4b1-b229-4ed7-a9e3-3aac24caec70\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith so many buy now, pay later services on the market, you might be wondering how we narrowed it down to our favorites. We considered factors like loan terms, interest rates, fees, credit checks, and unique features to help choose our favorites. We specifically sought to include apps that offered something their competitors didn't to ensure that every consumer could find the right service for them.\u003C\u002Fp\u003E\" data-hed=\"How did we choose these buy now, pay later apps?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"705bbd39-bb5b-473f-942b-871f60d1faf6\" data-edition=\"us\" data-description=\"\u003Cp\u003EBuy now, pay later apps allow you to make purchases and pay them off over a longer period of time. You'll usually make one payment at the time of the purchase and then subsequent payments every week, two weeks, or monthly until your purchase is paid off.\u003C\u002Fp\u003E\" data-hed=\"How do buy now, pay later apps work?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"87d35b73-0c25-400d-bc62-f58ad7667d82\" data-edition=\"us\" data-description=\"\u003Cp\u003EBuy now, pay later apps serve a similar function as credit cards, as they allow you to make a purchase and pay it off over time. One difference between the two is that buy now, pay later apps often don't charge interest. Additionally, you don't have to qualify with a hard credit check like you would with a credit card.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFinally, buy now, pay later apps don't come with many of the perks that credit cards do, \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-cash-back-credit-card\u002F" target="_blank"\u003Esuch as cashback\u003C\u002Fa\u003E and other benefits.\u003C\u002Fp\u003E\" data-hed=\"How is a buy now, pay later service different from using a credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"84f821da-de08-46a2-99bf-640a4d97abe9\" data-edition=\"us\" data-description=\"\u003Cp\u003ESome buy now, pay later apps require either a hard or soft credit check and satisfactory credit to qualify. However, some don't require a credit check at all.\u003C\u002Fp\u003E\" data-hed=\"Do you need good credit to use buy now, pay later apps?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"322872a3-b1fd-4ffd-8eaf-ab30965d3c0f\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many buy now, pay later apps available. While these represent the best of the best, one worthy alternative to consider is Zip.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are there alternative buy now, pay later apps worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"69741aae-a204-44af-aa77-589d4090e6c3\" data-edition=\"us\" data-hed=\"Zip\" data-imagegroup=\"{"alt":"zip","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"zip","imageData":{"id":"7395154e-55ab-48bc-934a-f4207d08f3fc","filename":"zip.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F12\u002F7395154e-55ab-48bc-934a-f4207d08f3fc\u002Fzip.jpg","dateCreated":{"date":"2022-07-12 20:09:00","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"7395154e-55ab-48bc-934a-f4207d08f3fc","imageFilename":"zip.jpg","imageDateCreated":"2022\u002F07\u002F12"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"zip\" data-offerurl=\"https:\u002F\u002Fzip.co\u002Fus\" data-offermerchant=\"Zip\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cbr\u003E\u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-12 22:04:00",timezone:"UTC",updated:c,published:c},description:"What is the best buy now, pay later app? Affirm is our favorite because it offers flexible repayment terms: you can pay for purchases in four installments or finance it (credit approval needed) for longer repayment terms. Buy now, pay later apps make it easy for consumers to make a large purchase and pay it off in small installments. Here are some of the best apps to provide wiggle room when buying.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"da9caadc-286f-463c-abdb-353f63d123c0",image:{id:"f78bf6c0-80c2-4c2e-a664-089c40348f19",filename:"image-41.jpg",dateCreated:{created:c,date:"2022-03-08 06:26:30",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"By Andrey_Popov -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F08\u002Ff78bf6c0-80c2-4c2e-a664-089c40348f19\u002Fimage-41.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2242,height:1184,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Innovation^Services & Software",relatedItems:[]},name:b,promoTitle:"The 6 best buy now, pay later apps: Pay off that big purchase over time",section:b,slug:"best-buy-now-pay-later-app",startYear:c,summary:b,title:"The 6 best buy now, pay later apps of 2022",topic:{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"f1d32df8-0915-41b8-90d4-2f1036fc0e97",username:"sallyherigstad",profileUrl:c,email:c,firstName:"Sally",lastName:"Herigstad",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d9411478-715b-4902-8578-275acec2c68d",filename:"sally-herigstad.jpg",dateCreated:{created:c,date:"2022-04-26 19:55:29",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F04\u002F26\u002Fd9411478-715b-4902-8578-275acec2c68d\u002Fsally-herigstad.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Sally Herigstad is a personal finance writer outside of Vancouver, Washington. She is an author, columnist, and real estate broker. She has been helping people take control of their finances since 1998.",profile:c,title:"Contributing writer",bio:b,bureau:c,awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThe Blue Cash Preferred Card has the highest rewards rate on grocery store purchases on our list. It also offers great rewards on gas purchases, which helps with today's higher gasoline prices. \u003C\u002Fp\u003E\u003Cp\u003EBut any rewards card can help you save money on groceries and other spending. The question is: Will a 1% rewards rate, which many credit cards offer, really help much? If you spend $500 on groceries, that's $5 back. If you're paying an annual fee, you may not break even.  \u003C\u002Fp\u003E\u003Cp\u003EThese \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card\u002F\" target=\"_blank\"\u003Etop credit cards\u003C\u002Fa\u003E below all offer substantially more than 1% on grocery purchases; in fact, the highest card offers 6% back. Choose wisely, and a grocery rewards card may save you hundreds of dollars a year. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"17eda466-c379-4715-bcbc-c81887cfbdbd\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're serious about racking up grocery store rewards, check out the Blue Cash Preferred credit card. It has the highest rewards rate of any card we reviewed.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EUnlike some other rewards cards, you don't need a top-tier credit score to qualify for this card. You may be able to sign up with a "good" or better credit score.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe rewards don't end with grocery store savings. You'll receive the same level of rewards for select streaming subscription purchases, and lesser rewards rates on gasoline purchases and all other purchases.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHighest cash back rewards on grocery purchases\u003C\u002Fli\u003E\u003Cli\u003EHigh cash back rewards on select streaming subscriptions\u003C\u002Fli\u003E\u003Cli\u003EGood and better credit scores accepted\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAnnual limit on grocery cash back rewards\u003C\u002Fli\u003E\u003Cli\u003EForeign transaction fees\u003C\u002Fli\u003E\u003Cli\u003EAverage to high interest rates on balances\u003C\u002Fli\u003E\u003Cli\u003EPenalty APRs (higher rates if you miss a payment)\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Blue Cash Preferred® Card from American Express\" data-superlative=\"Best credit card for groceries overall\" data-imagegroup=\"{}\" data-offer=\"{"id":"874380d6-3752-48dc-af50-69e56dd615ee","slug":"blue-cash-preferred-card-from-american-express","label":"Blue Cash Preferred Card from American Express","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"874380d6-3752-48dc-af50-69e56dd615ee","name":"Blue Cash Preferred Card from American Express","slug":"blue-cash-preferred-card-from-american-express","productType":"SERIES","updateType":"PRISM","mod":1651085535947,"displayDate":"Wed Apr 27 2022 14:52:15 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681945&cr=28251&last_updated=1598494682","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6fa7a984-c9c0-42fb-a2e5-1b41c399bac3\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you shop for groceries at Walmart, you can't go wrong by getting a no-annual-fee credit card from Walmart. Its rewards rates on groceries and other items are almost as high as the grocery store rewards rate for the Blue Cash Preferred Card, but there is no limit on how much you can spend and receive the high rate. The only catch is that you must order your groceries online after the first year for the very best rewards rate.\u003C\u002Fp\u003E\u003Cp\u003EIf you don't shop for groceries at Walmart, their rewards card may convince you to try them out. Walmart carries name brands at very competitive prices, so you'll save money even before you start collecting rewards.\u003C\u002Fp\u003E\u003Cp\u003EFor even more rewards, use Walmart Pay, Walmart's digital smartphone app, with your Capital One Walmart Rewards Card.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EUnlimited high cash back rewards on grocery purchases ordered online\u003C\u002Fli\u003E\u003Cli\u003EGood rewards for in-store purchases\u003C\u002Fli\u003E\u003Cli\u003ENo annual fee\u003C\u002Fli\u003E\u003Cli\u003EHigher rewards when you use with Walmart Pay, their digital app\u003C\u002Fli\u003E\u003Cli\u003EUse your card anywhere Mastercard is accepted\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMust order online at Walmart.com to receive highest rewards rate\u003C\u002Fli\u003E\u003Cli\u003ELower rewards on purchases made at other grocery stores\u003C\u002Fli\u003E\u003Cli\u003EAverage to high interest rate (APR) if you carry a balance\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Capital One Walmart Rewards Card\" data-superlative=\"Best grocery store rewards for Walmart shoppers\" data-imagegroup=\"{}\" data-offer=\"{"id":"6d4f4b46-5d29-4ceb-a963-9b367adc19d2","slug":"capital-one-walmart-rewards-card","label":"Capital One Walmart Rewards Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"6d4f4b46-5d29-4ceb-a963-9b367adc19d2","name":"Capital One Walmart Rewards Card","slug":"capital-one-walmart-rewards-card","productType":"SERIES","updateType":"PRISM","mod":1651181856639,"displayDate":"Thu Apr 28 2022 17:37:36 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Capital One","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26684057&cr=31490&last_updated=1656102789","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"01a7b8be-3c9c-47e2-abe8-0cfbf652f7b9\" data-edition=\"us\" data-description=\"\u003Cp\u003EWe like the Capital One Savor Rewards Card for its good rewards rate, plus a cash bonus if you spend a certain amount within the first three months. \u003C\u002Fp\u003E\u003Cp\u003EYou pay an annual fee right away with this card, but it should be well offset by your cash rewards. If you travel abroad, you'll appreciate no foreign transaction fees, and if you're ever late on a payment, your interest rate won't go up as a result (known as a penalty APR).\u003C\u002Fp\u003E\u003Cp\u003EIf you spend regularly on dining, entertainment, and streaming services, you can earn even higher rewards rates in these categories.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh cash back rewards on grocery purchases\u003C\u002Fli\u003E\u003Cli\u003EExcellent cash back rewards on dining, entertainment, and select streaming subscriptions\u003C\u002Fli\u003E\u003Cli\u003ENo foreign transaction fees\u003C\u002Fli\u003E\u003Cli\u003EModerate APRs\u003C\u002Fli\u003E\u003Cli\u003ESignup bonus after you reach a spending threshold\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAnnual fee starting the first year\u003C\u002Fli\u003E\u003Cli\u003EGood rewards rate, but lower than some competitors\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Capital One Savor Rewards Card\" data-superlative=\"Best for rewards at any grocery store, with lower APR and no penalty APR\" data-imagegroup=\"{}\" data-offer=\"{"id":"013931f7-3b44-4817-94c6-c08b6651ebd1","slug":"capital-one-savor-cash-rewards","label":"Capital One Savor Cash Rewards","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"013931f7-3b44-4817-94c6-c08b6651ebd1","name":"Capital One Savor Cash Rewards","slug":"capital-one-savor-cash-rewards","productType":"SERIES","updateType":"PRISM","mod":1651184279912,"displayDate":"Thu Apr 28 2022 18:17:59 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"bd99a9dc-ba06-40d0-94e4-11062d0d16f4\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you shop at Whole Foods and you're an Amazon Prime member, you probably need an Amazon Prime Rewards Visa Signature Card. It's a no-fee card that pays you back handsomely every time you shop at Whole Foods, which is owned by Amazon.\u003C\u002Fp\u003E\u003Cp\u003EYou get the same high rewards rate when you shop at Amazon and lower rates at restaurants and gas stations. Your rewards rates on all other purchases seem low by comparison, but it can still add up.\u003C\u002Fp\u003E\u003Cp\u003EYou do need to pay for an annual Amazon Prime membership for this card\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh cashback rates at Whole Foods and on Amazon.com\u003C\u002Fli\u003E\u003Cli\u003EGood rewards rates at other stores\u003C\u002Fli\u003E\u003Cli\u003ENo annual fee\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELower rewards rates at other grocery stores\u003C\u002Fli\u003E\u003Cli\u003EAmazon Prime membership required\u003C\u002Fli\u003E\u003Cli\u003ERewards redeemed on Amazon.com purchases\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Amazon Prime Rewards Visa Signature Card\" data-superlative=\"Best no-fee card for grocery store rewards at Whole Foods\" data-imagegroup=\"{}\" data-offer=\"{"id":"efc852d4-ea58-4359-8c1e-7410f4ec3488","slug":"amazon-prime-rewards-visa-signature","label":"Amazon Prime Rewards Visa Signature","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"efc852d4-ea58-4359-8c1e-7410f4ec3488","name":"Amazon Prime Rewards Visa Signature","slug":"amazon-prime-rewards-visa-signature","productType":"SERIES","updateType":"PRISM","mod":1651086972524,"displayDate":"Wed Apr 27 2022 15:16:12 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"45f29b17-5298-4350-a806-6718046c841c\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit cards with fees tend to have the highest cash rewards rates. What if you don't want to pay a fee or take the chance that your rewards won't be high enough to offset the annual fee?\u003C\u002Fp\u003E\u003Cp\u003EThe Wells Fargo Active Cash Card comes with no annual fee, so your acceptable cash rewards rate is all yours from the first month. It also offers a signup bonus after you meet a minimum threshold on your card.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou must have excellent credit to qualify for this card.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EGood cash rewards on purchases\u003C\u002Fli\u003E\u003Cli\u003ENo annual limits on rewards\u003C\u002Fli\u003E\u003Cli\u003ENo annual fee\u003C\u002Fli\u003E\u003Cli\u003EIntro rate on balance transfers\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELower rewards rates than some competitors\u003C\u002Fli\u003E\u003Cli\u003EExcellent credit score required\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Wells Fargo Active Cash® Card\" data-superlative=\"Best for general cash back rewards with no fee\" data-imagegroup=\"{}\" data-offer=\"{"id":"6cdad41d-8a16-4c76-83ce-6bcb9ff835d6","slug":"wells-fargo-active-cash-card","label":"Wells Fargo Active Cash Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"6cdad41d-8a16-4c76-83ce-6bcb9ff835d6","name":"Wells Fargo Active Cash Card","slug":"wells-fargo-active-cash-card","productType":"SERIES","updateType":"PRISM","mod":1651087035543,"displayDate":"Wed Apr 27 2022 15:17:15 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e177deab-bbef-49ad-850f-332fd87d589f\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Blue Cash Preferred Card from American Express is the best credit card for groceries overall. It's for those of you who are serious about racking up grocery store rewards.\u003C\u002Fp\u003E\" data-hed=\"What is the best credit card for groceries?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4f0ff19b-0bc8-4ce2-9c80-777811c6c56f\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou should choose a card that best matches the features you're looking for, such as high cashback rates, branding, APR, and more. The cards in this list are a great place to start. \u003C\u002Fp\u003E\" data-hed=\"Which credit card is the right one for me?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c80d5983-fe65-417e-9b5f-edb781dbac52\" data-edition=\"us\" data-description=\"\u003Cp\u003EAll our picks for grocery store rewards cards are also good at other stores, restaurants, online services, and anyplace else that accepts major credit cards. Walmart also offers a credit card that you can only use at its stores.\u003C\u002Fp\u003E\" data-hed=\"Can I use these grocery rewards cards at other stores and venues?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cf388a37-669c-4b1a-b5e9-ddf4191d32bc\" data-edition=\"us\" data-description=\"\u003Cp\u003EHigh interest rates can cost you far more than you'll receive back in grocery store rewards. If you have significant credit card balances, concentrate on paying them off first, perhaps with a low- or no-interest introductory period credit card. When you're out of credit card debt, a grocery rewards card will make more sense.\u003C\u002Fp\u003E\" data-hed=\"I usually carry a credit card balance. Would these cards be good for me? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"98496715-0214-4176-aa7e-da608be3f12e\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf having a rewards card tempts you to overspend, watch out. It wouldn't take much additional spending to cost you more than you're saving with rewards. You're always better off not spending a dollar than getting even several cents back.\u003C\u002Fp\u003E\" data-hed=\"What should I be careful of with a rewards card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5c4a7c29-11be-4482-b0ea-8da4093250a7\" data-edition=\"us\" data-description=\"\u003Cp\u003EWe chose five credit cards with above average rewards rates on groceries. They either have no annual fee, or their rewards rates more than make up for a fee. Cards may have average or higher interest rates (APRs); however, it's assumed everyday purchases such as groceries are paid off every month. \u003C\u002Fp\u003E\" data-hed=\"How did we choose these cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ec8ed70c-ac4a-4614-a22f-9b621fa0acb4\" data-edition=\"us\" data-description=\"\u003Cp\u003EBelow are a couple more credit cards worth checking out:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EThe Capital One Quicksilver Cash Rewards Credit Card \u003C\u002Fstrong\u003Eis a no-fee card with moderate cash reward levels. It has no minimums to redeem your cash, and your rewards never expire. The Capital One Quicksilver card also offers no-interest introductory periods on purchases and balance transfers(with a 3% fee on the amounts transferred in the first 15 months).&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EThe Costco Anywhere Visa Card by Citi \u003C\u002Fstrong\u003Eoffers good cash back rewards on your Costco purchases, including groceries, plus higher rewards on certain purchases such as gasoline. You must have a current Costco membership for this one, though.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternative credit cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-28 22:20:00",timezone:"UTC",updated:c,published:c},description:"What is the best credit card for groceries? Blue Cash Preferred Card from American Express is ZDNet's top choice. It has the highest rewards rate for groceries on our list. A grocery rewards card can save you hundreds of dollars a year.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"2bceb47a-d3e7-4731-b185-1a3d1468ed1f",image:{id:"8dd556a2-cef8-4dc1-85b4-d256dac097ba",filename:"groceries.jpg",dateCreated:{created:c,date:"2020-04-13 23:17:59",timezone:"UTC",updated:c,published:c},alt:"groceries.jpg",credits:c,caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2020\u002F04\u002F13\u002F8dd556a2-cef8-4dc1-85b4-d256dac097ba\u002Fgroceries.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1280,height:720,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The 5 best credit cards for groceries: Save hundreds of dollars",section:b,slug:"best-credit-card-for-groceries",startYear:c,summary:b,title:"The 5 best credit cards for groceries in 2022",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"11baf11b-3a05-49bc-9e65-f704f249f582",slug:"digital-assets",name:"Digital Assets",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"b0bd4f7b-175b-41ae-9507-d1b015c9b6ad",username:"Joshua Cox-Steib",profileUrl:c,email:c,firstName:"Joshua",lastName:"Cox-Steib",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"96f4bf19-6b97-4c23-bdfb-5798250cbbe3",filename:"joshua-cox-steib-headshot-2.jpg",dateCreated:{created:c,date:"2021-08-10 12:49:32",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F08\u002F10\u002F96f4bf19-6b97-4c23-bdfb-5798250cbbe3\u002Fjoshua-cox-steib-headshot-2.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Joshua Cox-Steib is a home security writer for Reviews.com. Over the last year, he has covered home security equipment, home internet providers, and more. He has been featured in bankrate.com, coverage.com, thesimpledollar.com, among others. He holds a bachelor's degree in Sociology from the University of Tulsa. The Best Internet Providers in 2020 is Joshua's favorite review on Reviews.com.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ECryptocurrencies continue to grow into mainstream adoption, and one of the ways this manifests is via crypto debit cards. Like regular debit cards, these allow you to spend money from an account by swiping your card (or entering the numbers from it). The big difference is that instead of this card linking to your bank account, it connects to one of your crypto wallets. \u003C\u002Fp\u003E\u003Cp\u003EWith a crypto debit card, you can spend your cryptocurrencies on everyday goods and services. Yet, with crypto regulation being something of a grey area, there are some obstacles to keep in mind. For instance, selling crypto, even to use as a currency with a debit card, may trigger a taxable event. Residents of the US need to be aware that most conversions and sales of cryptocurrencies are currently considered taxable events.\u003C\u002Fp\u003E\u003Cp\u003EDespite their relative newness, there are already numerous crypto debit cards to consider. These cards vary in terms, perks, fees, and other features, so we did all the research for you. Here are our picks for the five best crypto debit cards:\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a60a03dd-07bf-4b28-848e-fb009df613f0\" data-edition=\"us\" data-description=\"\u003Cp\u003ECoinbase is one of the more prominent names in crypto, with it being one of the largest exchanges and the first to claim a spot on the New York stock exchange. The Coinbase Visa benefits from the company's experience creating and running a high-level financial exchange in a relatively new and competitive industry.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe company's background and experience have also lent a great deal of security to its card. Not only is the card protected by the company's transaction security, but users can freeze their physical card from anywhere using the companion app. Coinbase also offers up to 4% cashback on purchases with this Visa.\u003C\u002Fp\u003E\u003Cp\u003EOne of the challenges with crypto debit cards is the stark contrast between how many cryptocurrencies exist and how many are compatible with these cards. While not top in the industry for the number of cryptos that work with their card, Coinbase offers a broader selection than many competitors. Cardholders can utilize any supported crypto on Coinbase and US dollars on purchases with the card, including withdrawals at ATMs.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ECoinbase has stated that they've removed transaction fees, making this a potentially fee-less process. There is a 2.49% conversion fee listed in the user agreement, specified for transactions from cryptos other than USD Coin. Cardholders may wish to maintain a portion of their assets in USDC for the purpose of fee-less transactions.\u003C\u002Fp\u003E\u003Cp\u003EThe wide utilitarian usage of the Coinbase Visa, combined with the removal of fees, the large number of compatible cryptocurrencies, high-level security, and strong rewards program earned this card its spot as \u003Cem\u003Ebest overall\u003C\u002Fem\u003E on our list.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EStrong security features\u003C\u002Fli\u003E\u003Cli\u003ENo transaction fees\u003C\u002Fli\u003E\u003Cli\u003ELarge selection of compatible cryptos \u003C\u002Fli\u003E\u003Cli\u003EStrong rewards system \u003C\u002Fli\u003E\u003Cli\u003ECompanion app\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EThere is a potential 2.49% conversion fee for non-USDC cryptos upon transactions or ATM withdrawals.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Coinbase Visa Card\" data-superlative=\"Best crypto debit card overall\" data-imagegroup=\"{}\" data-offer=\"{"id":"9545d1b6-8c38-433b-8eb7-6f29d03f7fe9","slug":"coinbase-visa-debit","label":"Coinbase Visa Debit","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"9545d1b6-8c38-433b-8eb7-6f29d03f7fe9","name":"Coinbase Visa Debit","slug":"coinbase-visa-debit","productType":"SERIES","updateType":"PRISM","mod":1651082527594,"displayDate":"Wed Apr 27 2022 14:02:07 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a9c04300-a6bd-4c67-afd8-3c9fc66a69ad\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe BitPay Card offers an excellent entry into the crypto debit card lifestyle. While this card doesn't have a rewards program, it excels in most other aspects of these crypto cards. There are thirteen cryptocurrencies supported and no conversion fees for making purchases or ATM withdrawals (ATMs do include a separate fee). The BitPay companion app makes it easy to freeze your card if you've lost it or pay without it if you left it at home. While offering such apps is becoming standard, not all allow for as much functionality is the BitPay app.\u003C\u002Fp\u003E\u003Cp\u003EBitPay is one of the forerunners in this industry. It was founded in 2011, well before cryptocurrency had expanded into the vast sphere of coins it is today. The company's history and experience have lent towards making a crypto debit card with minimal costs, impressive ease of access and utility, and strong security. While rewards would be a nice caveat, the lack thereof doesn't keep the BitPay Mastercard from being \u003Cem\u003Erunner up for best overall\u003C\u002Fem\u003E on our review list.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ESupports 13 coins \u003C\u002Fli\u003E\u003Cli\u003ENo conversion fees \u003C\u002Fli\u003E\u003Cli\u003EEasy to reload from a many popular wallets \u003C\u002Fli\u003E\u003Cli\u003EStrong security features \u003C\u002Fli\u003E\u003Cli\u003ECompanion app\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo reward features&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"BitPay Debit Card\" data-superlative=\"Runner-up, best overall\" data-imagegroup=\"{}\" data-offer=\"{"id":"cda19f46-595e-49e0-9f26-0befcf5585e8","slug":"bitpay-debit-card","label":"BitPay Debit Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"cda19f46-595e-49e0-9f26-0befcf5585e8","name":"BitPay Debit Card","slug":"bitpay-debit-card","productType":"SERIES","updateType":"PRISM","mod":1651180140365,"displayDate":"Thu Apr 28 2022 17:09:00 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c0878dca-fd00-4e9b-b4e0-f12d427888df\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Crypto.com Visa Card offers more benefits the larger the sum you have staked in CRO. CRO is the native crypto of Crypto.com. Transactions are performed in CRO, and rewards are paid out in CRO. Not only does this card offer high rewards to serious investors, but there are little to no fees for many transactions. The company offers different tiers of cards that each require an additional amount of staked CRO in USD value. The tiers differ in some aspects beyond rewards, including a transaction threshold for each level. Transactions under your card's threshold don't incur a transaction fee, while those that go over have a 0.5% fee.\u003C\u002Fp\u003E\u003Cp\u003EThanks to its utility, low fees, and robust investment-based rewards system, the Crypto.com card earned a spot on this list as \u003Cem\u003Ebest for high-end investors\u003C\u002Fem\u003E. While the Crypto.com Visa has a steeper cost to play, it offers nearly unparalleled benefits for those who are willing and able to invest into the top tiers of card. No matter your tier, this card is usable at merchants and ATMs both, making it a viable everyday debit card.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh rewards at top tiers\u003C\u002Fli\u003E\u003Cli\u003EHigh number of compatible cryptos\u003C\u002Fli\u003E\u003Cli\u003ELow fees\u003C\u002Fli\u003E\u003Cli\u003ECompanion app\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EBest rewards tier requires heavy investment\u003C\u002Fli\u003E\u003Cli\u003ETransactions have a fee after a threshold has been reached&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Crypto.com Visa Card\" data-superlative=\"Best for high-end investors\" data-imagegroup=\"{}\" data-offer=\"{"id":"dea5935b-a2b1-4b25-97cb-9871773ea972","slug":"crypto-com-visa-card","label":"Crypto.com Visa Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"dea5935b-a2b1-4b25-97cb-9871773ea972","name":"Crypto.com Visa Card","slug":"crypto-com-visa-card","productType":"SERIES","updateType":"PRISM","mod":1651082797371,"displayDate":"Wed Apr 27 2022 14:06:37 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2a269344-8748-4b09-83aa-d0181cf6cdcc\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe BlockFi Visa Rewards Signature Card offers a point-based reward system as the backbone of its cashback program. Users earn points with every purchase, which are converted at the end of the month into a crypto asset of the cardholder's choice (selected from available coins). Depending on that month's market movements, this approach can be a boon or a hindrance for cardholders. For crypto investors who enjoy the volatile price swings of the crypto market, this card can offer another angle to appreciate and potentially benefit from those fluctuations.\u003C\u002Fp\u003E\u003Cp\u003EEvery crypto debit card has its own nuances when it comes to cashback and how cardholders can receive these rewards. BlockFi breaks with some of its competitors by allowing cardholders to select which crypto they would like to use when receiving their cashback rewards. Combined with the card's unlimited cashback, the option to choose earns it a spot on our list as the \u003Cem\u003Ebest crypto debit card for unrestricted cashback rewards\u003C\u002Fem\u003E.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EEarn cashback in a variety of cryptos\u003C\u002Fli\u003E\u003Cli\u003EUnlimited 1.5% cashback on all purchases\u003C\u002Fli\u003E\u003Cli\u003ENo annual or foreign transaction fees\u003C\u002Fli\u003E\u003Cli\u003EIncludes travel and dining benefits\u003C\u002Fli\u003E\u003Cli\u003ECompanion app\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ERequires spending $30,000 or more annually to reach the 2% cashback rewards tier&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"BlockFi Visa Rewards Signature Card\" data-superlative=\"Best for unrestricted cashback\" data-imagegroup=\"{}\" data-offer=\"{"id":"40ed7ae8-b353-4862-b426-0c14e9368ddf","slug":"blockfi-visa-rewards-signature-card","label":"BlockFi Visa Rewards Signature Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"40ed7ae8-b353-4862-b426-0c14e9368ddf","name":"BlockFi Visa Rewards Signature Card","slug":"blockfi-visa-rewards-signature-card","productType":"SERIES","updateType":"PRISM","mod":1651082872334,"displayDate":"Wed Apr 27 2022 14:07:52 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f1922343-16f2-41e9-9870-29ec8940269d\" data-edition=\"us\" data-description=\"\u003Cp\u003EBinance is one of the larger cryptocurrency exchanges, and it offers a Visa debit card. Perhaps the biggest allure of the Binance Visa is that cardholders earn up to 8% in cashback on their purchases. However, this reward is only available in the exchange's native crypto, BNB. This card does have transaction and withdrawal fees of up to 0.9%, but these are relatively low for the industry.\u003C\u002Fp\u003E\u003Cp\u003EDue to filing and regulatory issues, residents of the US and the UK are no longer eligible for the Binance Visa card. With crypto regulations and norms changing rapidly, this may remain a barrier long-term, or it may change once again. Still, despite this restriction, the Binance Visa offers some of the best cashback rewards found in crypto debit cards. The potential for 8% cashback, requiring heavy investment, earned the Binance Visa \u003Cem\u003Ebest for cashback\u003C\u002Fem\u003E on our list.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E \u003Cbr\u003E \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELarge cashback reward potential\u003C\u002Fli\u003E\u003Cli\u003ELarge number of supported cryptos\u003C\u002Fli\u003E\u003Cli\u003ELow fees\u003C\u002Fli\u003E\u003Cli\u003ECompanion app\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECashback rewards are only in BNB \u003C\u002Fli\u003E\u003Cli\u003ENo longer available for US and UK citizens\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Binance Visa\" data-superlative=\"Best for cashback\" data-imagegroup=\"{}\" data-offer=\"{"id":"06630c51-bc28-4c1e-a983-679e72cda8d2","slug":"binance-visa-card","label":"Binance Visa Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"06630c51-bc28-4c1e-a983-679e72cda8d2","name":"Binance Visa Card","slug":"binance-visa-card","productType":"SERIES","updateType":"PRISM","mod":1651180193739,"displayDate":"Thu Apr 28 2022 17:09:53 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0ccac878-da95-4eeb-8c45-ee3b5dc0ebad\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Coinbase Visa card won our top spot as the best crypto debit card, although the competition was fierce, and each of these cards has plenty to offer.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECard\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EKey features\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECoinbase Visa\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EHigh level of security\u003C\u002Fli\u003E\u003Cli\u003ENo annual or transaction fees\u003C\u002Fli\u003E\u003Cli\u003EUp to 4% cashback in various cryptocurrencies\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EBitPay Debit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EUse app and Card interchangeably\u003C\u002Fli\u003E\u003Cli\u003ENo annual or conversion fees\u003C\u002Fli\u003E\u003Cli\u003EUsable anywhere Mastercard is accepted\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECrypto.com Visa Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EUp to 8% back (in CRO)\u003C\u002Fli\u003E\u003Cli\u003EFree streaming service benefits\u003C\u002Fli\u003E\u003Cli\u003ESupports an extensive list of cryptocurrencies\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EBlockFi Visa Rewards Signature Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EUnlimited 1.5% cashback\u003C\u002Fli\u003E\u003Cli\u003ECompanion app\u003C\u002Fli\u003E\u003Cli\u003EPoint-based monthly reward system\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EBinance Visa\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EUp to 8% cashback (in BNB)\u003C\u002Fli\u003E\u003Cli\u003ENo annual fees\u003C\u002Fli\u003E\u003Cli\u003EUse virtual and physical card interchangeably\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best crypto debit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7055b1d7-7fb3-4f6c-adac-3ce42aedb78f\" data-edition=\"us\" data-description=\"\u003Cp\u003EDepending on what you want to get from your crypto debit card, different cards might be best for you. There is some overlap in best use cases between some of these cards, and in those cases, the best one for you may come down to more nuanced differences. For instance, both Binance and Crypto.com offer up to 8% cashback on their cards, but they have different requirements for reaching this reward level.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EIf a high percentage of cashback is your top priority, you may want to consider the Binance Visa or the Crypto.com Card. \u003C\u002Fli\u003E\u003Cli\u003EIf the number of cryptocurrencies you can convert and use through your card is most important, you may want the Crypto.com Card or Coinbase Visa. \u003C\u002Fli\u003E\u003Cli\u003ESuppose you want a cashback reward program that can fluctuate some with the market. In that case, the BlockFi Rewards Visa Signature Card may suit your purposes. \u003C\u002Fli\u003E\u003Cli\u003EIf you want a Mastercard crypto debit card with no fees and an interchangeable app, the BitPay Card might be a good choice.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Which is the right crypto debit card for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"32003387-05f1-4eef-82c5-77dd8fc9a0aa\" data-edition=\"us\" data-description=\"\u003Cp\u003ECrypto debit cards use a clever mechanism that allows cardholders to use their crypto like a currency, even when it isn't technically counted as one. Your crypto debit card will be linked to a crypto wallet. Depending on the card in question, this wallet may be connected to your crypto exchange assets, one or more of your personal crypto wallets, or could be pre-loaded directly with funds from a traditional debit card.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThese debit cards work by selling some of those crypto assets for you and converting them into a legal currency at the point of transaction or ATM withdrawal. In short, the card either sells some of your cryptos and converts them into cash when you use it, or it requires you to keep it pre-loaded with a specific cryptocurrency.\u003C\u002Fp\u003E\" data-hed=\"How do crypto debit cards work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a90d72b4-de85-4f0e-bb46-bc2d1d83ddab\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo reach these final five, a variety of crypto debit cards were considered side by side. Cards were compared based on fees (annual, signup, and conversion), the success of the business, available rewards (including options for how to receive said rewards), the number of cryptocurrencies supported, the availability of the card, the number of places where the card can be used, and any extra features. In cases where cards had high levels of competitiveness for the same features, nuanced specifics were identified to differentiate them -- for instance, the differences in use cases between the Binance and the Crypto.com card.\u003C\u002Fp\u003E\" data-hed=\"How did we choose these crypto debit cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f7ea7baf-8a4c-42f6-be6d-95d4d1a2cfca\" data-edition=\"us\" data-description=\"\u003Cp\u003EAlthough mainstream adoption of cryptocurrencies is still on the horizon, it has grown significantly closer. There are now numerous crypto debit and credit cards to consider, whereas only a few years ago, these options barely existed. While the five reviewed above are our top picks, there are many others to consider. Three more crypto debit cards that may interest readers you are the&nbsp;\u003Ca href="https:\u002F\u002Fwww.gemini.com\u002Fcredit-card"\u003EGemini Card\u003C\u002Fa\u003E, the&nbsp;\u003Ca href="https:\u002F\u002Fwirexapp.com\u002Fen-us\u002Fcard"\u003EWirex Card\u003C\u002Fa\u003E, and the&nbsp;\u003Ca href="https:\u002F\u002Fnuri.com\u002F"\u003ENuri Card\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\" data-hed=\"Are there alternative crypto debit cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-29 13:13:00",timezone:"UTC",updated:c,published:c},description:"What is the best crypto debit card? The Coinbase Visa Card came in as best overall in our review of top crypto debit cards. We compared various fees, rewards, availabilities, business track records, and more to narrow down your best options. Each of these five debit cards allows you to utilize your crypto when making cash purchases.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a81b3487-b9da-4ef8-a414-7d3d0088c1f9",image:{id:"faf67734-8310-4b58-bc62-ba3737954b5e",filename:"shutterstock-1842818125.jpg",dateCreated:{created:c,date:"2021-07-28 16:28:10",timezone:"UTC",updated:c,published:c},alt:"crypto-credit-card.jpg",credits:"Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F28\u002Ffaf67734-8310-4b58-bc62-ba3737954b5e\u002Fshutterstock-1842818125.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:4853,height:2809,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The 5 best crypto debit cards: Spend your crypto",section:b,slug:"best-crypto-debit-card",startYear:c,summary:b,title:"The 5 best crypto debit cards of 2022",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"11baf11b-3a05-49bc-9e65-f704f249f582",slug:"digital-assets",name:"Digital Assets",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0a6fffc2-2220-44ba-99e4-4c567f6f57bb",username:"maria-diaz-zd",profileUrl:c,email:c,firstName:"Maria",lastName:"Diaz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d89921b7-c002-40ef-8401-f002f1a769e9",filename:"maria-diaz.jpg",dateCreated:{created:c,date:"2022-08-05 14:44:33",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fd89921b7-c002-40ef-8401-f002f1a769e9\u002Fmaria-diaz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Maria Diaz is a staff writer based in the Raleigh-Durham, NC area with a passion for home automation and a background in graphic design, photography, and filmmaking. She has a bachelor's in Mass Communication and experience in journalism.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EBudgeting can be challenging, but with many Americans living paycheck-to-paycheck, it's a necessary evil for most of us. What that budget looks like, however, is different for everyone. Budget apps simplify the process by helping you track your spending, reach financial goals, and even lower your debt.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-early-black-friday-deals-amazon-walmart-best-buy-and-more\u002F\"\u003EBest early Black Friday deals: Amazon, Walmart, Best Buy, and more\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EWith \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Fintuit-kills-mint-and-personal-finance-app-users-are-unhappy\u002F\" target=\"_blank\"\u003EIntuit shutting down Mint\u003C\u002Fa\u003E, one of the most popular budget apps, users are looking for alternatives. If you're a former Mint user or simply looking to be budget-conscious ahead of the Black Friday shopping craze this holiday season, we've rounded up the best budget apps available today. \u003C\u002Fp\u003E\u003Ch2\u003EThe best budget apps of 2023\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"67aebe55-f637-44cc-a1c2-03505144cb7c\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E No free version, 30-day free trial&nbsp;| \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E Must purchase plan to use | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $15\u002Fmonth or $99\u002Fyear | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking available\u003C\u002Fp\u003E\u003Cp\u003EAs one of the most popular budgeting apps, YNAB (why-nab) is a great choice for anyone looking to get serious about their personal finance, achieving savings goals, and wiping out debt. As a detailed budgeting tool, YNAB makes easy work of expense tracking in real-time thanks to the ability to link your bank accounts.\u003C\u002Fp\u003E\u003Cp\u003EOne downside is that YNAB requires a subscription to use it, as there is no free version of the app. YNAB gives users a 30-day free trial before charging the user for a subscription, a time in which the app claims to save users up to $200. After the 30-day trial period ends, users can pay $15\u002Fmonth or $99\u002Fyear for the app.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"You Need a Budget (YNAB)\" data-superlative=\"Best budget app overall\" data-imagegroup=\"{"alt":"You need a budget YNAB","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1f027e2e-12ff-4201-bacc-72f9f1741108","title":"You need a budget YNAB","filename":"ynab.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1f027e2e-12ff-4201-bacc-72f9f1741108\u002Fynab.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2278887,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:12:15","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:12:28","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"You need a budget YNAB","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1f027e2e-12ff-4201-bacc-72f9f1741108","imageAltText":"You need a budget YNAB","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ynab.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value","offerMerchant":"YNAB","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ynab.com\u002F","url":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fynab-budgeting-finance\u002Fid1010865877","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.youneedabudget.evergreen.app&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Long free trial period~Loan calculator~Compatible with many banks\" data-dislike=\"Must purchase plan~No bill-paying capabilities\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"88b8754d-fa64-422b-81d3-03a81632136a\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Bank account linking, balance alerts, subscription flagger, spending tracker&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Subscription cancellation assistant, money expert advice, bill negotiation, savings account, and credit card&nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$3-$12\u002Fmonth or $36-$144\u002Fyear |&nbsp;\u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E&nbsp;Sliding scale subscription cost\u003C\u002Fp\u003E\u003Cp\u003ERocket Money is a budget app that tracks subscriptions and bills and helps you identify potential savings in your recurrent expenses for free. It lets users link accounts and flags subscriptions for you, making it easy to cancel the ones you no longer need. The Rocket Money app also reminds you of due bills to prevent late payments and features a spending tracker for financial budgeting.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Rocket Money app is free for budgeting and spotting unnecessary subscriptions but there is a Premium subscription that gives users access to bill negotiation, a cancellations assistant to cancel those subscriptions for you,&nbsp;and more. The Premium subscription is available for a variable cost that ranges from $3 to $12 monthly.\u003C\u002Fp\u003E\" data-hed=\"Rocket Money\" data-superlative=\"Best free budget app\" data-imagegroup=\"{"alt":"Rocket Money","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"65e12395-fb07-415b-915f-798ea57e3665","title":"Rocket Money","filename":"rocke.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F65e12395-fb07-415b-915f-798ea57e3665\u002Frocke.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2308087,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:20:25","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:20:34","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Rocket Money","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"65e12395-fb07-415b-915f-798ea57e3665","imageAltText":"Rocket Money","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"rocke.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value","offerMerchant":"Rocket Money","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.rocketmoney.com\u002F","url":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Frocket-money-bills-budgets\u002Fid1130616675","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.truebill&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Bill negotiations~Sync all of your accounts~Sliding scale pricing\" data-dislike=\"Limited features with free plan option\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"db41312c-45b7-4852-9383-d7add6ce62b1\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Envelope budgeting and transaction tracking; limit 20 envelopes&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Unlimited envelopes, support for up to five devices, &nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$8\u002Fmonth or $70\u002Fyear&nbsp;| where are you make a good very good for you it's like\u003C\u002Fp\u003E\u003Cp\u003EAs a mom of three who enjoys a good budget (pun intended) with both spreadsheets and pen and paper, Goodbudget is one of my favorite apps. Goodbudget strips down the bells and whistles of a traditional budgeting app in favor of a straightforward approach that multiple household members can see and manage.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EGoodbudget has you allocate funds into digital envelopes, just like you'd put physical cash into paper envelopes. The budget can be set according to the user's individual needs and how often income comes in, and the user categorizes different expenses and sets a budget for each one.\u003C\u002Fp\u003E\u003Cp\u003EFor example, if we typically spend $180 on gas monthly, I create a $200 digital envelope in Goodbudget labeled Gas, to account for any pricing fluctuations. Whatever isn't used, I can "sweep" into savings or debt repayment.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Goodbudget\" data-superlative=\"Best budget app for the envelope method\" data-imagegroup=\"{"alt":"Goodbudget","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","title":"Goodbudget","filename":"goodb.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1d6e0536-b804-4ad9-aaa1-c4124a00083e\u002Fgoodb.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2519060,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:25:13","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:25:19","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Goodbudget","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","imageAltText":"Goodbudget","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"goodb.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fgoodbudget-budget-planner\u002Fid471112395","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.dayspringtech.envelopes&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Goodbudget","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fgoodbudget.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Smart reporting~Affordable plan~Compatible with several devices\" data-dislike=\"Must manually log items~Paid plan has the best features\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c2018f22-0ecf-41fa-8bab-320d2fd25008\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E&nbsp;Does have ads | \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E No subscriptions | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E Free | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking, messaging, joint banking account\u003C\u002Fp\u003E\u003Cp\u003EHoneydue is a free app that is specifically designed for two people managing budgets together, which could help when couples and young families are building a shared financial picture. The fact that Honeydue is free means couples who don't want to invest in a budgeting app don't have to, though the app does have ads.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Honeydue app lets users link their bank accounts for real-time expense tracking, like Mint and other budget apps do, but it also has an in-app chat that lets the couple discuss finances without switching to a messaging app.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere's also the option to open a joint bank account with a debit card that features no monthly fees or minimum deposit requirements.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Honeydue\" data-superlative=\"Best budget app for couples\u002Ffamilies\" data-imagegroup=\"{"alt":"Honeydue","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"cdd5b9c1-4729-4589-8512-604cffe190b8","title":"Honeydue","filename":"honeydue.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fcdd5b9c1-4729-4589-8512-604cffe190b8\u002Fhoneydue.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2259598,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:40:30","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:40:38","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Honeydue","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"cdd5b9c1-4729-4589-8512-604cffe190b8","imageAltText":"Honeydue","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"honeydue.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Honeydue","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.honeydue.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apps.apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fhoneydue-couples-finance\u002Fid1157633945","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Play.google","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.honeydue.honeydue&hl=en&pcampaignid=MKT-Other-global-all-co-prtnr-py-PartBadge-Mar2515-1&pli=1","url":""}]\" data-usepricing=\"true\" data-like=\"~Free to use ~Joint banking account ~In-app messaging with partner\" data-dislike=\"~Few savings\u002Ffinancial goals abilities ~There are ads\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"97d358b6-1b9c-4e90-8b03-f36235959cc4\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree\u003C\u002Fstrong\u003E\u003Cstrong\u003E version:\u003C\u002Fstrong\u003E Basic budgeting features |\u003Cstrong\u003E Paid version:\u003C\u002Fstrong\u003E&nbsp;Debt payoff plan, unlimited budgets, extended transaction history&nbsp; | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $8\u002Fmonth, $35\u002Fyear, $80\u002Flifetime&nbsp;|\u003Cstrong\u003E Extra features:\u003C\u002Fstrong\u003E Pie chart reports for free and paid users, "In My Pocket" tracker\u003C\u002Fp\u003E\u003Cp\u003EUtilizing smart algorithms to manage and track spending, PocketGuard takes a modern approach to budgeting. The app monitors your bills, helping to remind you ahead of missing payments. True to its name, Pocketguard's built-in anti-fraud feature helps to keep track and alerts you of suspicious spending trends.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWith the "In My Pocket" (IMP) feature, the app automatically calculates monthly expenses and then notifies you of any leftover funds.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhile you don't have to pay to use PocketGuard, you must subscribe if you want to access all of the best features.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"PocketGuard\" data-superlative=\"Best budget app for overspenders\" data-imagegroup=\"{"alt":"PocketGuard","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"69c262c1-fd32-4d61-b4f6-25317291a0e3","title":"PocketGuard","filename":"pocketguard.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F69c262c1-fd32-4d61-b4f6-25317291a0e3\u002Fpocketguard.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1625464,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:46:16","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:46:24","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"PocketGuard","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"69c262c1-fd32-4d61-b4f6-25317291a0e3","imageAltText":"PocketGuard","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"pocketguard.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fpocketguard-money-budgeting\u002Fid949414211","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.pocketguard.android.app&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Pocketgaurd","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fpocketguard.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Suspicious transactions monitoring~Debt payoff plan~Negotiate interest rates\" data-dislike=\"Paid plan for best features~Lower Google Play Store rating\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c1a419c1-19af-4522-8912-48381505968d\" data-edition=\"us\" data-description=\"\u003Cp\u003EYNAB is our pick for the best budgeting app because it combines many features and is easy to use. However, that doesn't make YNAB the best budget app for everyone. Rocket Money is a top choice for anyone looking to save some cash, thanks to its sliding scale of pricing and expansive services. Here's how the apps we looked into stack up:&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EBudgeting app\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EZDNET's take\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003ECost\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EApp Store Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EGoogle\u003C\u002Fstrong\u003E\u003Cstrong\u003E Play\u003C\u002Fstrong\u003E\u003Cstrong\u003E Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E (YNAB)\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest budget app overall\u003C\u002Ftd\u003E\u003Ctd\u003E$15\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.80\u003C\u002Ftd\u003E\u003Ctd\u003E4.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest free budget app\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $3-$12\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.30\u003C\u002Ftd\u003E\u003Ctd\u003E4.4\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for the envelope method\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.60\u003C\u002Ftd\u003E\u003Ctd\u003E4.2\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for couples\u003C\u002Ftd\u003E\u003Ctd\u003EFree with ads\u003C\u002Ftd\u003E\u003Ctd\u003E4.50\u003C\u002Ftd\u003E\u003Ctd\u003E3.3\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for overspenders\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.70\u003C\u002Ftd\u003E\u003Ctd\u003E3.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cc870d10-dedf-4cdd-b35f-509c47cc3b42\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe right budget app for you will depend on how you want to budget, whether you want specific features like bill negotiations or credit scores, whether you have a single or combined checking account, and what price you're willing to spend per month for a subscription.\u003C\u002Fp\u003E\u003Cp\u003EBelow, I've broken down the options further.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EChoose this budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E app...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EIf\u003C\u002Fstrong\u003E\u003Cstrong\u003E you...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E (\u003Cstrong\u003EYNAB\u003C\u002Fstrong\u003E)\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EAre committed to creating and achieving your ideal financial budget. Its free trial lasts 30 days, so you can try it out for a month before subscribing.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket\u003C\u002Fstrong\u003E\u003Cstrong\u003E Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant great options for free or a lower price. The app can handle bill negotiations for you to get you lower prices on what you pay monthly.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EPrefer budgeting using the envelope method. You can sync your budget(s) across multiple users&nbsp;and devices.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EWould like to include your partner in your financial planning. Track expenses together and message in-app to discuss spending.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant to track your spending. It has a debt payoff plan to get you back on track.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right budget app for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"280b4abe-1ff6-479d-8ac4-67c69fc92667\" data-edition=\"us\" data-description=\"\u003Cp\u003EChoosing the best budget apps on this list involved a lot of testing and creating many accounts in different apps to compare their features and test their performance. Here are some ways you can narrow down your choices to decide which is best for you:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EFinancial needs:\u003C\u002Fstrong\u003E Consider not only your individual financial needs but also the goals you want to achieve. Do you want to track daily expenses and build an emergency fund? Or are you trying to cut expenses and pay down debt? Are you planning for a big life event you want to save for, like buying a car or a house? These are all things you should consider, as they will shape how you use your budgeting app.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EEase of use:\u003C\u002Fstrong\u003E It's worth testing out different options to determine which user interface you prefer in a budget app. I've been a committed budgeter for years, yet I don't like using the apps that link my bank account, so I prefer apps like Goodbudget, even if I don't use the envelope method in real life. I also like the data that PocketGuard offers, so I have a visual picture of my spending habits. If you like an app that links to your financial account in real time, then you'd do great with other apps like YNAB or Honeydue.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees:\u003C\u002Fstrong\u003E Budgeting apps often charge a fee for their services, whether it is an upfront fee or an ongoing monthly or annual fee. Be sure to review all fees in advance, so you can be sure that you choose the right service for your needs.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these budgeting apps?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e338db83-da68-4ce6-9398-b4683b088f84\" data-edition=\"us\" data-description=\"\u003Cp\u003EA budget&nbsp;app is a mobile service that typically allows you to track your spending and increase your savings.&nbsp; You can typically sync your accounts to view a complete financial portrait, all within a single app. Here, you will find our picks for the best budgeting app for your financial needs.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1a69d0be-f6af-4943-ad92-a9fed6d28064\" data-edition=\"us\" data-description=\"\u003Cp\u003ELike anything else, a budget&nbsp;app only works if you use it regularly. Many apps offer financial tools and resources that can help you reduce your debt and expand your financial worth by providing expense and other reports.\u003C\u002Fp\u003E\" data-hed=\"Do budgeting apps work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"32024c0e-7557-470f-80fe-cb796334ee11\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many finance apps available in the App Store or the Google Play Store. However, not all of them are legit or can successfully help you create a budget. Below, are some other trustworthy budget app options.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are there alternative budget apps worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8d67aba4-0275-4e5c-acdf-5b975aee8be5\" data-edition=\"us\" data-description=\"\u003Cp\u003EView and pay your bills, manage spending, and plan ahead for tax season with Simplifi.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Simplifi by Quicken\" data-imagegroup=\"{"alt":"Simplifi by Quicken","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"645c2b30-681f-4aaa-a628-ad55875d2a1c","title":"Simplifi by 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Quicken","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"quicken.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for tax season prep\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2","offerMerchant":"Quicken","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.quicken.com\u002Fpersonal-finance\u002Fquicken-simplifi","url":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2"}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7d1958af-eaf5-4624-976d-780578b41450\" data-edition=\"us\" data-description=\"\u003Cp\u003EEverydollar has features like paycheck planning, saving funds, group financial coaching, and more.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Everydollar\" data-imagegroup=\"{"alt":"Everydollar","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"b6d8a980-c131-4b4c-bc1b-3b051202c247","title":"Everydollar","filename":"every.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fb6d8a980-c131-4b4c-bc1b-3b051202c247\u002Fevery.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2474782,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:04:41","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:04:47","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Everydollar","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"b6d8a980-c131-4b4c-bc1b-3b051202c247","imageAltText":"Everydollar","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"every.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for those new to budgeting\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Everydollar","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ramseysolutions.com\u002Framseyplus\u002Feverydollar","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9e582cbb-ea75-4931-aa8d-7862826d093a\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're looking for an&nbsp;app to help your kids learn how to create budgets and manage chores, BusyKid is a great choice.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"BusyKid\" data-imagegroup=\"{"alt":"BusyKid","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"6040a20a-4424-4d14-a35c-b72465980773","title":"BusyKid","filename":"busykid.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F6040a20a-4424-4d14-a35c-b72465980773\u002Fbusykid.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3081689,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:05:11","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:05:18","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"BusyKid","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"6040a20a-4424-4d14-a35c-b72465980773","imageAltText":"BusyKid","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"busykid.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for parents\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Busykid","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fbusykid.com\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-11-13 19:49:00",timezone:"UTC",updated:c,published:c},description:"Mint may be gone, but there are still many great budget apps that promise to help you set financial goals and save money. We tested that promise to find out which are the best ones.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c77e10c2-d0d1-417d-85e7-a107f681417d",image:{id:"3c394298-d95e-44c2-8bc9-d24bef52f01e",filename:"smart-apps-make-for-smarter-financial-planning-stock-photo.jpg",dateCreated:{created:c,date:"2023-11-10 16:09:57",timezone:"UTC",updated:c,published:c},alt:"Shot of a young man using a smartphone while going over his finances at home",credits:"Katleho Seisa via Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F3c394298-d95e-44c2-8bc9-d24bef52f01e\u002Fsmart-apps-make-for-smarter-financial-planning-stock-photo.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8013,height:4508,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Tech^Services & Software",relatedItems:[]},name:b,promoTitle:"The best budgeting apps: Find the Mint alternative that's right for you",section:b,slug:"best-budget-app",startYear:c,summary:b,title:"The best budgeting apps of 2023",topic:{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"719c6cbe-6f0d-4063-ba95-614846faa099",username:"ericajsandberg",profileUrl:c,email:c,firstName:"Erica",lastName:"Sandberg",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d9bffd5d-b287-4296-a24f-6e4b7cd9e209",filename:"erica-sandberg.jpg",dateCreated:{created:c,date:"2022-04-26 19:48:34",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F04\u002F26\u002Fd9bffd5d-b287-4296-a24f-6e4b7cd9e209\u002Ferica-sandberg.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Erica Sandberg is a personal finance reporter and writer. Her passion is helping individuals, families, and small business owners understand money and credit so they can achieve their goals. Erica has contributed to countless media outlets, hosted the television program \"Making it in San\r\nFrancisco,\" and authored \"Expecting Money: The Essential Financial Plan for New and Growing Families.\"",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EBanks aren't the only credit card issuers in town because credit unions also offer credit cards. These nonprofit financial institutions are often a fantastic alternative to the major issuers. As a member, you become a shareholder, so the products and services are tailored to its membership base.\u003C\u002Fp\u003E\u003Cp\u003EThe \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card\u002F\" target=\"_blank\"\u003Etop credit cards\u003C\u002Fa\u003E that credit unions offer are strong contenders for many consumers. Very often they have more flexible credit requirements and will work with you so that you do qualify in the event that your credit isn't perfect. These cards may be secured or unsecured. In either circumstance, they tend to have few fees and valuable rewards. In most cases the interest rates are also lower than they are for bank-issued credit cards, too. \u003C\u002Fp\u003E\u003Cp\u003EThere are differences among the credit unions and the credit cards they offer, though. For many, membership is restricted though some have open enrollment. \u003C\u002Fp\u003E\u003Cp\u003EWith that in mind, here's \u003Cem\u003EZDNet\u003C\u002Fem\u003E's best list for credit union credit cards:\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c755ce85-92b0-44b5-a39a-6b2c7cd53e40\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith gas prices through the roof, a credit card that offers high rewards at filling stations can be a powerful tool to keep those costs to a minimum. The PenFed Platinum Rewards Visa Signature Card does just that. With it, you will earn an elevated (and unlimited) number of points when you spend at the pump. If you drive a lot, the savings can be significant. But that's not all. This card also offers a high level of rewards when you spend money at the grocery store and a decent rate on other qualifying purchases. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIt offers an exceptional introductory rate on balances you transfer over. If you have high interest balances, this feature will give you plenty of room to delete the debt without fees being added. The welcome offer, though, is low compared to many other rewards cards designed for people with excellent credit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EUnlike some other credit unions, PenFed is open to anyone. All you would need to do is start a savings account with a deposit of at least $5. At that stage, you can apply for the PenFed Platinum Rewards Visa Signature Card. You do need excellent credit to qualify. Once you have it, you'll also enjoy the other benefits, such as no annual or foreign transaction fees and low APR.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAnyone can become a member\u003C\u002Fli\u003E\u003Cli\u003EImpressive rewards on gas and food-based spending&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENo annual or foreign transaction fee\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E0% intro APR on balance transfers&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ERewards will be low if you don't charge much in high reward categories\u003C\u002Fli\u003E\u003Cli\u003EUnimpressive welcome bonus&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"PenFed Platinum Rewards Visa Signature Card\" data-superlative=\"Best credit union credit card overall\" data-imagegroup=\"{}\" data-offer=\"{"id":"16efd20e-ff68-424d-8ad2-438e6e6efb31","slug":"penfed-platinum-rewards-visa-signature-card","label":"PenFed Platinum Rewards Visa Signature Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"16efd20e-ff68-424d-8ad2-438e6e6efb31","name":"PenFed Platinum Rewards Visa Signature Card","slug":"penfed-platinum-rewards-visa-signature-card","productType":"SERIES","updateType":"PRISM","mod":1651174278769,"displayDate":"Thu Apr 28 2022 15:31:18 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"53793569-e90e-4afa-a553-10360340c61a\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you have bad or no credit and think you may not qualify for a great credit card, think again. For the Navy Federal nRewards Secured Credit Card, you don't need an established credit history or good credit score. This secured card comes with low fees and a basic rewards program. With it, you can build your credit rating up as you borrow and repay responsibly.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe credit line you get matches your deposit. As long as you make your payments on time and don't misuse the account in any way, Navy FCU will increase your credit limit in three months without having to increase your deposit. Then after six months of the same positive activity, the card many convert to an unsecured account and you can get your deposit back.\u003C\u002Fp\u003E\u003Cp\u003ETo become a member of Navy FCU, you will need to have personal ties (current or veteran) to the armed forces, Department of Defense, or National Guard. You may also join if an immediate family member is a member of Navy FCU. Once you have this card, you can take advantage of its other benefits, such as no annual or foreign transactions fees and a low APR.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EGreat for people with low credit scores&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ELow cost credit card\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ECredit line increase in three months\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EConverts to unsecured card in six months\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENot everyone qualifies for credit union membership&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003ECash deposit required\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Navy Federal nRewards Secured Credit Card\" data-superlative=\"Best for members with bad credit\" data-imagegroup=\"{}\" data-offer=\"{"id":"9a88ea67-e8da-42f0-be86-5e6fa217f3b4","slug":"navy-federal-nrewards-secured-credit-card","label":"Navy Federal nRewards Secured Credit Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"9a88ea67-e8da-42f0-be86-5e6fa217f3b4","name":"Navy Federal nRewards Secured Credit Card","slug":"navy-federal-nrewards-secured-credit-card","productType":"SERIES","updateType":"PRISM","mod":1651181064688,"displayDate":"Thu Apr 28 2022 17:24:24 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f560dddb-916d-44b0-b70c-8b2c7364de87\" data-edition=\"us\" data-description=\"\u003Cp\u003ECash back is the most popular rewards program for a reason: everyone likes money returning to their wallet. If you're looking for a credit union card that offers cash back as a flat rate, the Alliant Cashback Visa is a terrific choice. You won't have to strategize on how to earn the most cash; simply charge and pay the bill in full. When you do (and if you charge large sums), you'll earn rewards at no cost to you.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere are two tiers to the cash back program, though. In order to earn the highest cash back rate, you will need to maintain an average daily balance of $1,000 or more in the credit union's checking account during the previous quarter. If you don't, you'll earn at a lower rate. Other benefits of the Alliant Cashback Visa include no annual or foreign transaction fees and a low APR.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ENot everyone can become an Alliant Credit Union member, however. You need to be: a current or retired employee from one of the credit union's partner businesses\u002Forganizations; a domestic partner or immediate family member of a current Alliant member; or living or working in one of the communities near their corporate headquarters in Chicago.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh, flat-rate cash back rewards&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ELow APR\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENo annual or foreign transaction fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EWill need to keep a high checking account balance to earn the best rewards&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ENo welcome bonus&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENot everyone can join the credit union&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Alliant Cashback Visa Signature Credit Card\" data-superlative=\"Best for flat-rate cash back rewards\" data-imagegroup=\"{}\" data-offer=\"{"id":"cca38fda-7785-48b6-b4ac-552cf10715ba","slug":"alliant-cashback-visa-signature-card","label":"Alliant Cashback Visa Signature Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"cca38fda-7785-48b6-b4ac-552cf10715ba","name":"Alliant Cashback Visa Signature Card","slug":"alliant-cashback-visa-signature-card","productType":"SERIES","updateType":"PRISM","mod":1651175414517,"displayDate":"Thu Apr 28 2022 15:50:14 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1a393973-c1be-4ea1-8b6f-39e75933fdba\" data-edition=\"us\" data-description=\"\u003Cp\u003EOne of the main benefits of having a credit card is that you are able to charge something expensive and pay for it over time. The problem is, some credit cards have very high APR's. Not so with Digital Federal Credit Union (DCU) Visa Platinum Rewards card -- it has one of the lowest starting regular APRs available. If you can get it, you'll keep the financing fees at bay while you satisfy your debt over time. If you are ineligible for the lowest rate, the APR is still lower than what it may be on many credit cards offered by banks.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOutside of the impressively low APR, this card doesn't have a long list of benefits. There is no rewards program enabling you to earn points or cash back, though the credit union will not charge you an annual fee, or fees for cash advances, balance transfers, over-limit, or foreign transactions. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAlthough not everyone will be able to become a DCU member, many can. You will be eligible if you live, work, worship, or attend school in one of the many&nbsp;communities on their list.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EPotential for extremely low APR&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ENo fees on almost everything&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo rewards program\u003C\u002Fli\u003E\u003Cli\u003ENo welcome bonus&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EEligibility is limited&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Digital Federal Credit Union Visa Platinum Rewards\" data-superlative=\"Best for people who revolve balances\" data-imagegroup=\"{}\" data-offer=\"{"id":"df371bcd-7933-4104-8e79-098bb7da9a07","slug":"digital-credit-union-visa-platinum-rewards-credit-card","label":"Digital Credit Union Visa Platinum Rewards Credit Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"df371bcd-7933-4104-8e79-098bb7da9a07","name":"Digital Credit Union Visa Platinum Rewards Credit Card","slug":"digital-credit-union-visa-platinum-rewards-credit-card","productType":"SERIES","updateType":"PRISM","mod":1651176942752,"displayDate":"Thu Apr 28 2022 16:15:42 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8ec4eea0-58f5-4746-a45f-ea2b25ed239c\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile major banks have a leg up on cards that are packed with travel benefits, a strong contender is the First Tech Credit Union Odyssey Rewards World Elite Mastercard. It offers premium rewards for travel and dining, boasts global concierge services, and offers an exceptionally high credit limit. So when you're globetrotting, you won't be impeded with an insufficient credit line. It comes with a decent welcome bonus, too.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThis card has a sound rewards program, enabling you to earn substantial, unlimited points as you charge. And if you have high interest debt on other accounts, you can transfer it over and enjoy the luxury of 0% APR in the first 12 months after shifting the balance. After that, the APR will span from very low to moderately low, depending on your credit. Although the card does come with an annual fee, you won't be charged for the balance transfers, nor for cash advances or foreign transactions.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFirst Tech Credit Union encourages membership, offering hundreds of ways to join. The credit union will help you meet the criteria, too, so you won't be left out of the advantages it can offer.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELow APR\u003C\u002Fli\u003E\u003Cli\u003ERewards program centered on travel and dining&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENo fees on balance transfers, cash advances, foreign transactions\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EHigh credit line\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EOne of the few credit unions charging an annual fee for a credit card\u003C\u002Fli\u003E\u003Cli\u003EDoesn't offer all the perks many travel cards have&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Odyssey Rewards World Elite Mastercard by First Tech Federal Credit Union\" data-superlative=\"Best for travel rewards \" data-imagegroup=\"{}\" data-offer=\"{"id":"76f1634a-d1c6-4ba4-8523-79db47da7565","slug":"odyssey-rewards-world-elite-mastercard-by-first-tech-federal-credit-union","label":"Odyssey Rewards World Elite Mastercard by First Tech Federal Credit Union","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"76f1634a-d1c6-4ba4-8523-79db47da7565","name":"Odyssey Rewards World Elite Mastercard by First Tech Federal Credit Union","slug":"odyssey-rewards-world-elite-mastercard-by-first-tech-federal-credit-union","productType":"SERIES","updateType":"PRISM","mod":1651178402729,"displayDate":"Thu Apr 28 2022 16:40:02 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"274f531c-96d3-428b-8e6b-8dae741a38fa\" data-edition=\"us\" data-description=\"\u003Cp\u003EOur vote for the best credit union credit card is the PenFed Platinum Rewards Visa Signature Card. The rewards it offers for gas and groceries satisfy most consumers' spending habits. The ability to shift expensive debt over and pay without interest being added for a year has the potential to save you a lot of money. And since membership at the credit union is open to all, all you need to get this deal is open a deposit account at PenFed -- and have a good to excellent credit score. &nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECredit Union Credit Cards\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMain Features&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPenFed Platinum Rewards Visa Signature Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EGreat rewards on gas and groceries&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ENo annual or foreign transaction fee\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E0%intro APR on balance transfers&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal nRewards Secured Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ECan qualify with low credit scores&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ECredit line may increase in three months and convert to an unsecured card in six months\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ESecured card, so deposit required&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAlliant Cashback Visa Signature Credit Card&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EHigh, flat-rate cash back rewards&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ELow APR, no annual and foreign transaction fees\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EHigh checking account balance to earn the best rewards&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EDigital Federal Credit Union Visa Platinum Rewards\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EVery low APR available&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ENo annual fee\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENo fees for cash advances, balance transfers, over-limit or foreign transaction&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EOdyssey Rewards World Elite Mastercard by First Tech Credit Union&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ELow APR, high credit line&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ETravel and dining rewards&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENo fees on balance transfers, cash advances, foreign transactions\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What's the best credit union credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4578d020-bc5d-4288-9cbc-9b1d3dfc733c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are a number of different credit cards offered by credit unions. Though this list narrows down your choices, you can land on the right one for you by focusing on:&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EMembership:&nbsp;\u003C\u002Fstrong\u003EAll credit unions require you to be a member. Not all are open to everyone, so check out the requirements first.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ERewards: \u003C\u002Fstrong\u003EMany credit union cards have a rewards program where you can earn cash or points. The program should be right for your needs and lifestyle.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EWelcome bonus:\u003C\u002Fstrong\u003E Banks often offer high welcome bonuses to new cardholders, but credit unions don't offer them as frequently. If this perk is important to you, look for the card that has one.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EBalance transfer deal:\u003C\u002Fstrong\u003E One of the best ways to save money is to transfer high APR debt to a card with 0% APR for a certain number of months. If you you could benefit from a transfer, hone in on the card that offers it.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ELow fees: \u003C\u002Fstrong\u003EOne of the major advantages of credit unions is the free structure. Unlike traditional banks, credit unions often waive annual and other common fees. Find the card that has the best fee structure for your lifestyle.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECredit requirement:\u003C\u002Fstrong\u003E Although the best credit cards tend to have high credit rating requirements, not all do. Look for the credit scores needed before applying for any credit card.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Which credit card is the right one for me?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1b73a36c-90f9-48e3-9ab1-600a86973b3b\" data-edition=\"us\" data-description=\"\u003Cp\u003EYes. A US government agency called the National Credit Union Administration regulates and supervises credit unions. They are also&nbsp;insured by the National Credit Union Administration, which provides deposit insurance to depositors. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are credit unions safe?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"227eccec-3967-4d80-b631-a61e76190835\" data-edition=\"us\" data-description=\"\u003Cp\u003EMost credit unions partner with payment transaction companies, such as Visa and Mastercard. When they are, they will be accepted anywhere these networks are, too, both domestically and internationally.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Can I use credit union credit cards anywhere? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3c29d88b-b7c0-498f-93c1-69760525a039\" data-edition=\"us\" data-description=\"\u003Cp\u003EYes. Just like banks and other lenders, credit unions furnish the three credit reporting agencies -- TransUnion. Equifax, and Experian -- with your credit report account activity. When you apply, open the account, and then begin to use it, all of that information will appear on your credit file.\u003C\u002Fp\u003E\" data-hed=\"Will the credit union send my credit card information to the credit bureaus? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2402efe7-1a48-40b8-ab77-1af42d01f1a1\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo compile the best credit union credit cards list, we reviewed the credit cards offered by popular credit unions. We selected cards that offered a variety of benefits that would appeal to a range of potential cardholders. Some credit unions are difficult to join. so we focused on those that were open to all or to a large group of people. The cards had to have at least one special benefit, as well as low fees and attractive financing.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How did we choose these credit cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"42c48c1c-3b20-4c73-b30e-fac3816e9af2\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn addition to the credit union credit cards listed in this guide, many others are excellent alternatives. They include:&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EState Department Federal Credit Union Savings Secured Visa Platinum Card:&nbsp;\u003C\u002Fstrong\u003EBest secured card with rewards&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAspire Platinum Mastercard: \u003C\u002Fstrong\u003EBest for 0% APR for balance transfers and purchases for six months\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ENavy Federal Visa Signature Flagship Rewards Card: \u003C\u002Fstrong\u003EBest for travelers looking for rewards and perks&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternative credit cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-29 03:47:00",timezone:"UTC",updated:c,published:c},description:"What is the best credit union credit card? The PenFed Platinum Rewards Visa Signature Card is ZDNet's top choice. Credit unions can offer some of the best deals to their members, from rock-bottom interest rates to great rewards.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"b5eb79ba-775e-4eb2-b906-a3e414a0bed1",image:{id:"4c27aed6-d21d-4601-9362-63143f2bb729",filename:"gettyimages-1221798292.jpg",dateCreated:{created:c,date:"2022-04-26 17:49:04",timezone:"UTC",updated:c,published:c},alt:"gettyimages-1221798292.jpg",credits:"Peter Dazeley \u002F Getty",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F04\u002F26\u002F4c27aed6-d21d-4601-9362-63143f2bb729\u002Fgettyimages-1221798292.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2150,height:1394,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The 5 best credit union credit cards: Rock-bottom interest rates",section:b,slug:"best-credit-union-credit-card",startYear:c,summary:b,title:"The 5 best credit union credit cards of 2022",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThe world is a beautiful place, and perhaps no one knows that better than the international traveler. Whether it is a vacation or your nomadic lifestyle, it can be a huge opportunity to travel the globe and discover everything the world has to offer. \u003C\u002Fp\u003E\u003Cp\u003EIf you catch the travel bug, it is important that you have the funds to keep up, which is where international credit cards come in. You need the right \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-travel-credit-card\u002F\" target=\"_blank\"\u003Etravel credit card\u003C\u002Fa\u003E to support those trips because foreign transaction fees and higher APRs can put a serious dent in your wallet and a damper on your trip.\u003C\u002Fp\u003E\u003Cp\u003EThere are lots of options for international credit cards, but many are not legitimate or offer sparse rewards that are hardly worth the trouble. We regularly survey of the best credit cards for international travel based on a series of discriminating factors to bring you the right international credit cards. This is what we found.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"87e734bc-6abf-4080-9a34-2b93e147cf58\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Chase Sapphire Preferred Card anticipates all of your travel needs and delivers. Earn a generous 60,000 points when you spend $4,000 within the first three months. If you choose to redeem them through Chase Ultimate Rewards, it is worth $750 in travel dollars. You can also earn 5x points when you choose Chase Ultimate Rewards for your booking; otherwise, you receive 2x points. For those hotel stays, you are awarded with up to $50 annually in statement credits for every account anniversary. There are dining rewards, too, with 3x points regardless of whether you deliver, get takeout, or dine in a restaurant. You also get 3x points on online grocery purchases, except certain retailers are exempt, including Target, Walmart, and wholesale clubs. When you get home, you can relax with a streaming service that gives you 3x points. All other purchases you make with your card will deliver one point per dollar.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo foreign transaction fee\u003C\u002Fli\u003E\u003Cli\u003EGenerous intro offer\u003C\u002Fli\u003E\u003Cli\u003ESeveral bonus perks\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELounge access requires membership\u003C\u002Fli\u003E\u003Cli\u003EAnnual fee applies\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Chase Sapphire Preferred® Card\" data-superlative=\"Best international travel credit card overall\" data-imagegroup=\"{}\" data-offer=\"{"id":"3ff4553e-3140-4697-8cf2-9495f7297d5e","slug":"chase-sapphire-preferred","label":"Chase Sapphire Preferred","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"3ff4553e-3140-4697-8cf2-9495f7297d5e","name":"Chase Sapphire Preferred","slug":"chase-sapphire-preferred","productType":"SERIES","updateType":"PRISM","mod":1682341088485,"displayDate":"Mon Apr 24 2023 08:58:08 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682581&cr=28126&last_updated=1598401437","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7446c37a-8991-41e5-8ec9-48ac3cff1c2b\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe American Express&nbsp;Gold Card is an attractive card, available In your choice of the traditional gold color or a pretty rose gold. It is a great card for people who like to dine, but its rewards are pretty slim after that. You will receive 3x points on flights to get you to your destination. From there, it is 4x points on global dining, although delivery and takeout are limited to the U.S. You also are limited to domestic purchases with your groceries, with 4x the points at U.S. supermarkets, up to $25,000 per year, then 1x. All other purchases earn you 1x points. Amex gives extra rewards, too, like a $120 dining credit in Uber Cash each year and a $100 experience credit when you book The Hotel Collection for two nights or more. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EGenerous dining rewards\u003C\u002Fli\u003E\u003Cli\u003ESeveral travel perks\u003C\u002Fli\u003E\u003Cli\u003EPoints on flights\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo foreign transaction fee\u003C\u002Fli\u003E\u003Cli\u003ENo lounge access\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"American Express® Gold Card\" data-superlative=\"Best international travel credit card for dining\" data-imagegroup=\"{}\" data-offer=\"{"id":"1fcfb7f9-025d-4e57-95ab-9720bb00362e","slug":"american-express-the-gold-card","label":"American Express The Gold Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681989&cr=28240&last_updated=1598480841","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"098329aa-0f2b-46ad-9cbd-e4d04393f3c9\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Bank of America Travel Rewards credit card saves you a ton of money on annual fees. You can earn unlimited 1.5 points per dollar spent without any expiration date to steal your rewards away. That also means no restrictions on how you spend your money because Bank of America lets you earn points on all types of purchases. That means your flights, hotel, meals, and even your baggage fees can all earn you points that you can use to redeem for credits. In addition to the annual fee, there also are no foreign transaction fees.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBank of America will even kick things off with 0% intro APR for the first 15 billing cycles. After that, you revert to a competitive variable APR of 17.99% to 27.99%. You will also receive 25,000 bonus points when you spend just $1,000 within 90 days - a reasonable amount for modest spenders. Those part of the Preferred Rewards program can even earn up to 75% more on purchases, making for a generous bonus that can quickly add up.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo annual or transaction fee\u003C\u002Fli\u003E\u003Cli\u003EExtended intro APR\u003C\u002Fli\u003E\u003Cli\u003ELower starting APR\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo lounge access\u003C\u002Fli\u003E\u003Cli\u003EVariable rewards\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ERead more:&nbsp;\u003C\u002Fstrong\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-bank-of-america-credit-card\u002F" target="_blank"\u003E\u003Cstrong\u003EThe Best Bank of America Credit Cards\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\" data-hed=\"Bank of America® Travel Rewards credit card\" data-superlative=\"Best international travel credit card for no annual fee\" data-imagegroup=\"{}\" data-offer=\"{"id":"1de8e8d8-758e-43f3-a14d-1365b7579f64","slug":"bank-of-america-travel-rewards","label":"Bank of America Travel Rewards","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"1de8e8d8-758e-43f3-a14d-1365b7579f64","name":"Bank of America Travel Rewards","slug":"bank-of-america-travel-rewards","productType":"SERIES","updateType":"PRISM","mod":1669930978311,"displayDate":"Thu Dec 01 2022 16:42:58 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e8f1d68e-43de-4fb8-b8b0-ea64e6393111\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Capital One Quicksilver Secured Cash Rewards Credit Card is a different type of credit card than most unsecured credit cards. Because the Quicksilver Rewards credit card is a secured deposit, you simply pay a minimum of $200 upfront and then you receive a line of credit in that amount.\u003C\u002Fp\u003E\u003Cp\u003EAs you make payments, your credit score improves, and Capital One will monitor that for you with automatic credit lines. On top of that, you can earn 1.5% cashback on all purchases. There is no annual or transaction fee, but the APR is quite high, given that it is a card meant for those with poor credit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo get started, you can complete the pre-approval period without impacting your credit to see if the Quicksilver Secured Rewards card is right for you.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAccepts bad credit\u003C\u002Fli\u003E\u003Cli\u003ENo expiration for rewards\u003C\u002Fli\u003E\u003Cli\u003EHelps with credit-building\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EDeposit required\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo bonus offer\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Capital One Quicksilver Secured Cash Rewards Credit Card\" data-superlative=\"Best international travel credit card for bad credit\" data-imagegroup=\"{}\" data-offer=\"{"id":"2112165e-4d27-4c20-beb0-8417acef811b","slug":"capital-one-quicksilver-cash-rewards-credit-card","label":"Capital One Quicksilver Cash Rewards Credit Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Oc.brcclx","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26684061&cr=31509&last_updated=1657662147","url":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26684061&cr=31509&last_updated=1657662147"}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b1d7add2-f43f-4e29-8f2e-141c9b0225d8\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Platinum Card from American Express comes with no shortage of perks. Amex is known for its airport lounge access, offering access to its American Express Global Lounge Collection. That means you can relax at any one of the 1,400 airport lounges available in 140 countries and 650 cities. American Express will also give you up to a $200 airline fee statement credit and up to $189 toward CLEAR\u003Cstrong\u003E®\u003C\u002Fstrong\u003E Plus airport security.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EHowever, there are a ton of other benefits that you receive with this card. There is an up to $200 hotel statement credit through American Express Travel (requires a minimum 2 night stay) and up to $200 in Uber Cash, plus $20 each month toward your digital entertainment, whether it is Hulu, Disney+, and Peacock.&nbsp; You also receive a $155 credit for Walmart+, up to $300 toward your Equinox membership, and up to $100 toward your shopping adventures at Saks Fifth Avenue. It is a generous addition to an already handsome offer for your future travel.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EGenerous intro offer\u003C\u002Fli\u003E\u003Cli\u003ELounge access\u003C\u002Fli\u003E\u003Cli\u003EBonus credits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ESteep annual fee\u003C\u002Fli\u003E\u003Cli\u003EDifficult to redeem some benefits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ERead more:&nbsp;\u003C\u002Fstrong\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Famerican-express-platinum-card-is-695-annual-fee-worth-it\u002F" target="_blank"\u003E\u003Cstrong\u003EAmerican Express Platinum Card review\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\" data-hed=\"The Platinum Card from American Express\" data-superlative=\"Best international travel credit card for lounge access\" data-imagegroup=\"{}\" data-offer=\"{"id":"2b512fef-27bf-4012-90f8-2cc55f163478","slug":"american-express-the-platinum-card","label":"American Express The Platinum Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"2b512fef-27bf-4012-90f8-2cc55f163478","name":"American Express The Platinum Card","slug":"american-express-the-platinum-card","productType":"SERIES","updateType":"PRISM","mod":1664983096513,"displayDate":"Wed Oct 05 2022 11:18:16 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681966&cr=28282&last_updated=1598565914","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"78c89bda-326e-4bcf-8ea2-864fe1e955f1\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith competitive rates, attractive rewards, and few fees, the Chase Sapphire Preferred Credit Card is our top pick for the best credit card for international travel.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EInternational travel credit card\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EVariable APR\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EAnnual fee\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ERecommended Credit Score\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ELounge access\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EChase Sapphire Preferred® Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E21.24% to 28.24%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$95\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ERequires additional membership; $99\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAmerican Express® Gold Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E20.99% to 28.99%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$250\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✘\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EBank of America Travel Rewards\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E17.99% to 27.99%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✘\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECapital One Quicksilver Secured Cash Rewards Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E29.99%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EBad, Fair, Good, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EThe Platinum Card® from American Express\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E20.99% to 28.99%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$695\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E✔\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best international travel credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"90124067-d332-4afd-a738-2cb4dc087760\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt can feel overwhelming when trying to select a new credit card because there is no shortage of options out there.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo help you find the right international travel credit card, these are our expert suggestions.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this&nbsp;\u003C\u002Fstrong\u003E\u003Cstrong\u003Einternational travel credit card...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf you...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EChase Sapphire Preferred Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant a card with varied rewards&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAmerican Express®&nbsp;Gold Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant savings on those international meals\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EBank of America Travel Rewards\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EDon't want to waste those travel dollars on an annual fee\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECapital One Quicksilver Secured Cash Rewards Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant to travel but have poor credit\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EThe Platinum Card® from American Express\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EDon't want to worry about access to international travel lounges\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right international travel credit card for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"16da511e-b83c-420c-ac9d-8626b3bd9898\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn searching for the best credit cards for international travel, we consider several factors that can help you make the right decision for your finances.&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EAPR\u003C\u002Fstrong\u003E: The amount of interest you pay is important to review because it can seriously put a damper on your international travel if you have a high APR that you cannot reasonably afford.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E: Every credit card has some sort of fee, and it is important to budget for these expenses, as well. Some cards have no annual fee, while others, like American Express, may charge several hundred dollars. There also may be a foreign transaction fee that can apply when using your card during your international travels.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EPerks\u003C\u002Fstrong\u003E: The best credit card for international travel is one that comes with plenty of extra perks, in addition to an attractive APR. From airport lounge access to dining and travel perks, each card features different benefits that make your travel that much easier.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWhen shopping for international credit cards, these factors can help you find the right card for you.\u003C\u002Fp\u003E\" data-hed=\"How did we choose these credit cards for international travel?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"64f4f523-7065-4338-b08a-f30556d2fd25\" data-edition=\"us\" data-description=\"\u003Cp\u003EAn international credit card is one that is accepted worldwide. It is often equipped with special features and has embedded chip technology with an exclusive pin that will work wherever you use your card, even if it is outside of the country.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is an international credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1f343493-aaf6-4905-9efa-b4e469ac1873\" data-edition=\"us\" data-description=\"\u003Cp\u003EA foreign transaction fee is one that is often assessed on international purchases. However, many of the best credit cards for international travel skip the international fee by waiving the foreign transaction fee.\u003C\u002Fp\u003E\" data-hed=\"What is a foreign transaction fee?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"80d15305-9099-43f7-9110-a6888a7e3ff4\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many options for the best credit cards for international travel, as illustrated here. However, the best international credit card for you all depends on your specific needs and travel plans. Some cards prioritize no fees and a low APR, while others focus on bonus perks. Either way, we recommend shopping for your options to find the best one for your future globetrotting.\u003C\u002Fp\u003E\" data-hed=\"What is the best credit card for international travel?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2a781c4e-605c-4fe3-a79b-1a271f669c8e\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn our search for the best credit card for international travel, we also found these options that may work for you.&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fchase-ink-business-preferred-card-review\u002F" target="_blank"\u003EChase Ink Business Preferred Credit Card\u003C\u002Fa\u003E: An excellent option for business owners\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-chase-credit-card\u002F" target="_blank"\u003EChase Sapphire Reserve\u003C\u002Fa\u003E: When you want luxury international travel rewards\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-citi-business-credit-card\u002F" target="_blank"\u003ECiti Premier® Card\u003C\u002Fa\u003E: A great choice for travel points\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-mastercard-card\u002F" target="_blank"\u003EDeserve EDU Mastercard for Students\u003C\u002Fa\u003E: A card made for students\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EUnited Explorer Card: A card for frequent flyers\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EFor other travel credit cards, consider our picks for the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-travel-cards-for-beginners\u002F" target="_blank"\u003Ebest travel card for beginners\u003C\u002Fa\u003E, the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-airline-credit-card\u002F" target="_blank"\u003Ebest airline credit card\u003C\u002Fa\u003E, and the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-rewards-credit-card\u002F" target="_blank"\u003Ebest rewards credit card\u003C\u002Fa\u003E&nbsp;of 2022.\u003C\u002Fp\u003E\" data-hed=\"Are there alternative credit cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOpinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.    \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-05-24 00:53:00",timezone:"UTC",updated:c,published:c},description:"What is the best international travel credit card? It's the Chase Sapphire Preferred Card, but we also rounded up other excellent international travel credit cards that may be worthy of your globetrotting.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"02d4c3c8-763e-4790-827e-a810d2eecff8",image:{id:"63613082-57ba-422b-afe6-89c36ac45937",filename:"best-international-travel-credit-card.jpg",dateCreated:{created:c,date:"2022-05-23 20:22:23",timezone:"UTC",updated:c,published:c},alt:"Placeholder product image alt text",credits:"Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F23\u002F63613082-57ba-422b-afe6-89c36ac45937\u002Fbest-international-travel-credit-card.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1296,height:729,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The 5 best international travel credit cards: Globetrotter rewards",section:b,slug:"best-international-travel-credit-card",startYear:c,summary:b,title:"The 5 best international travel credit cards of 2022",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"923a7f65-24bc-4f58-89f4-3fbdc9502670",slug:"international",name:"International",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"73a85015-3a90-4672-a865-71ebb7bf6bfd",username:"LaurenAWard",profileUrl:c,email:c,firstName:"Lauren",lastName:"Ward",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"7723f262-f6fd-48d5-9fdd-348a63d1f7d5",filename:"image.jpg",dateCreated:{created:c,date:"2021-08-20 21:32:53",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F08\u002F20\u002F7723f262-f6fd-48d5-9fdd-348a63d1f7d5\u002Fimage.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lauren Ward is a personal finance and tech writer with a passion to help consumers make smart financial decisions. Her work has been featured on websites such as Bankrate, The Simple Dollar, DecisionData, Allconnect and This Old House.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EAs a new business owner, it's good to invest time into finding the perfect credit for your business because there are certainly a lot of options on the market. To help, we've outlined the credit cards we believe have the most to offer for startups and new businesses. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d998665b-7de7-480e-8a0f-67a6de3aea36\" data-edition=\"us\" data-description=\"\u003Cp\u003EChase's Ink Business Preferred Credit Card is a solid card to have for your business if you're looking to stock up on points. And if you need employees to have their own card, you can receive as many as you need at zero cost. Last but not least, the Ink Business Preferred card comes with free fraud protection, personalized account alerts, and purchase protection.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E100,000 bonus points after you spend $15,000 in the first three months\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EFree fraud and purchase protection\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EFree employee cards\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo foreign transaction fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ECharges a $95 annual fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EDoes not offer a 0% intro APR period\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EAPR between 20.99% and 25.99% depending on your creditworthiness\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Ink Business Preferred® Credit Card\" data-superlative=\"100,000 bonus points if you spend $15,000 in the first three months\" data-imagegroup=\"{}\" data-offer=\"{"id":"0016360d-5c43-4f1d-9d93-a6c08c2fe0c4","slug":"chase-ink-business-preferred","label":"Chase Ink Business Preferred","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"0016360d-5c43-4f1d-9d93-a6c08c2fe0c4","name":"Chase Ink Business Preferred","slug":"chase-ink-business-preferred","productType":"SERIES","updateType":"PRISM","mod":1640287458243,"displayDate":"Thu Dec 23 2021 14:24:18 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Chase","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682580&cr=28582&last_updated=1600378086","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"25a60fc4-b4cc-41e7-b704-b32618d8aa59\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf your company has sporadic cash flow, then The Plum Card by American Express may help. With the Plum Card, you can take up to 60 days to make a payment interest-free, or you can pay 10 days early and get a 1.5% early bonus applied to your next statement. The catch is that there is no interest rate because your entire balance is due by the bill due date.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ENo caps on points\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo foreign transaction fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E1.5% early-pay discount if you pay your bill 10 days before it's due\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EHave up to 60 days to pay without interest accruing\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E$250 annual fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EZero introductory rewards\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"The Plum Card® from American Express\" data-superlative=\"Flexible payments and early payment bonuses\" data-imagegroup=\"{}\" data-offer=\"{"id":"474ba6db-1a69-4e23-b866-2df44edde1ac","slug":"the-plum-card-from-american-express","label":"The Plum Card from American Express","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"474ba6db-1a69-4e23-b866-2df44edde1ac","name":"The Plum Card from American Express","slug":"the-plum-card-from-american-express","productType":"SERIES","updateType":"PRISM","mod":1640287711335,"displayDate":"Thu Dec 23 2021 14:28:31 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681993&cr=28283&last_updated=1598565948","url":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681993&cr=28283&last_updated=1598565948"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"99b8ff5a-79e0-4693-9d42-13f4de57f3ef\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe U.S. Bank Business Platinum credit card gives new card members 0% APR for the first 18 billing cycles on both purchases and balance transfers. If you have a large balance on another card, the U.S. Bank Business Platinum card is a great option to get you out of debt and start saving money. Unfortunately, the card doesn't offer any bonuses. However, 18 billing cycles of 0% APR should be enough of a reason to put this card on your radar, then variable APR 16.24% - 25.24%.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E$0 annual fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E0% intro APR for the first 18 billing cycles\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EZero rewards\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E3% balance transfer fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E$0 intro bonus\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"U.S. Bank Business Platinum Card\" data-superlative=\"0% APR for the first 18 billing cycles\" data-imagegroup=\"{}\" data-offer=\"{"id":"03a192f8-27e9-4090-b974-4df672cf5ff8","slug":"us-bank-business-platinum-card","label":"US Bank Business Platinum Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"03a192f8-27e9-4090-b974-4df672cf5ff8","name":"US Bank Business Platinum Card","slug":"us-bank-business-platinum-card","productType":"SERIES","updateType":"PRISM","mod":1640287840797,"displayDate":"Thu Dec 23 2021 14:30:40 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"41543e66-83d5-437b-b2bf-5410b2f6f65f\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe American Express Blue Business Cash™ Card is almost the best of two worlds. It comes with a 0% APR period for 12 months (then, 18.24% - 26.24% variable) and 2% cashback on eligible purchases up to $50,000. A unique thing about this card is that it comes with what American Express calls "Expanded Buying Power." With Expanded Buying Power, you can make purchases beyond your credit limit. All card members get car rental loss and damage insurance as an added bonus.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E$0 annual fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E0% intro APR for the first 12 months\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ESpend beyond your credit limit\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ECashback is capped at $50,000\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"American Express Blue Business Cash™ Card\" data-superlative=\"2% cashback on qualifying purchases\" data-imagegroup=\"{}\" data-offer=\"{"id":"043adbcc-ef06-463c-b1a2-b6a6892e0068","slug":"american-express-blue-business-cash-card","label":"American Express Blue Business Cash Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"043adbcc-ef06-463c-b1a2-b6a6892e0068","name":"American Express Blue Business Cash Card","slug":"american-express-blue-business-cash-card","productType":"SERIES","updateType":"PRISM","mod":1640288381831,"displayDate":"Thu Dec 23 2021 14:39:41 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681953&cr=28268&last_updated=1598565036","url":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681953&cr=28268&last_updated=1598565036"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"fe557da4-9c7d-4bfb-a88a-f0839a799951\" data-edition=\"us\" data-description=\"\u003Cp\u003EWe looked for cards that had the best advantages for card members. From extended 0% introductory APR periods to no annual fees to strong rewards programs, we kept an eye on the cards that would give business owners a unique advantage in running their companies.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How did we choose these cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7a7881b4-e585-4dbe-86ae-3deb98adf487\" data-edition=\"us\" data-description=\"\u003Cp\u003EIdentify what trait would best suit your business. Would 0% APR help you get out of debt sooner? Or are you looking to rack up some points to pay for your next flight to meet a client? Both are great regardless of what you need, but the key is to identify which one your company needs the most to gain a competitive edge.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOnce you have narrowed that down, compare similar cards. Does one have a longer 0% APR period? Are the rewards greater with one card but don't actually match up with your company's spending needs? It may be to your advantage to settle for unlimited 1% cashback, for example, if you never spend money on traditional cashback items. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFinally, compare APRs and fees. Don't assume you'll be able to pay off the balance each month; there may be a month where you're awaiting payment for a large order. Also, don't assume two cards come with the same set of fees. Cards that appear quite similar often have different&nbsp;fees.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Which card is the right one for your business?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9ee2822f-0f40-4bb2-8360-f5d8aefe65a6\" data-edition=\"us\" data-description=\"\u003Cp\u003ENo, you don't. You can qualify for a business credit card as a sole proprietor if you want.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Do you have to be an LLC to get a business credit card?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8305113f-a7a1-4510-a6a3-370e17771d1a\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen asked for an employer identification number, you can use your social security number if you are the sole proprietor.\u003C\u002Fp\u003E\" data-hed=\"If I am a sole proprietor, what do I do when asked for an employer identification number?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"bfdae243-335f-4eb9-a905-089df7f4a5a8\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt's fairly common for new businesses not to have an established credit history. When this is the case, credit card companies will often use the owner's credit score to approve or decline a credit request. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"If my business doesn't have a credit score, how will I get approved for a business credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b2151895-a217-43ea-b1d7-8b65dc403c9c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are a few cards worth considering that didn't make our list:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EBrex Business Credit Card\u003C\u002Fli\u003E\u003Cli\u003EBusiness Platinum Card® from American Express\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EMarriott Bonvoy Business® American Express® Card\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternative cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cbr\u003E\u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-09-23 00:30:00",timezone:"UTC",updated:c,published:c},description:"Don't just choose the first credit card you can find for your new business. Choose the one that matches your company's exact needs.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"98a34c8d-d38e-4718-808c-ccc62957890d",image:{id:"9f5857ac-fc49-4cb2-a878-5880d0ed4833",filename:"credit-card-for-small-business.jpg",dateCreated:{created:c,date:"2021-09-22 11:48:56",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"By Lotus_studio -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F22\u002F9f5857ac-fc49-4cb2-a878-5880d0ed4833\u002Fcredit-card-for-small-business.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The best business credit cards for startups and new businesses",section:b,slug:"best-business-credit-cards-for-startups",startYear:c,summary:b,title:"Best business credit card for startups",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"57b89c3b-5b67-4357-bd53-58c9f516a044",slug:"business",name:"Business",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d}],componentLabel:"Find the products we like the most",description:c,filters:c,paging:c,slug:"dynamic-topic-4-story-carousel-best-products",title:"Best Products",label:c,viewMoreText:c,viewMoreUrl:c,relatedItems:c},{id:"ba802e65-3bff-4165-a540-c416cf60272c",meta:{componentName:"ba802e65-3bff-4165-a540-c416cf60272c",componentDisplayName:"Reviews",componentType:"ContentList"},metadata:{},links:{self:{href:"https:\u002F\u002Fbender.cnetstatic.com\u002Fapi\u002Fneutron\u002Fcomponents\u002Fzdnet\u002Flisting\u002Fdynamic_listing\u002Fba802e65-3bff-4165-a540-c416cf60272c\u002Fweb?searchBy=id&topicSlug=banking&componentType=ContentList&componentName=ba802e65-3bff-4165-a540-c416cf60272c"}},items:[{author:{id:"74cfda70-fed9-47f5-b27e-f508b105c76f",username:"Mandy Sleight",profileUrl:c,email:c,firstName:"Mandy",lastName:"Sleight",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"887522cb-bafd-4ac6-bef5-89319a0851ec",filename:"mandy-sleight-author.png",dateCreated:{created:c,date:"2021-07-06 17:22:43",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F887522cb-bafd-4ac6-bef5-89319a0851ec\u002Fmandy-sleight-author.png",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Mandy Sleight has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar, and has been a licensed insurance agent since 2005. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThough it's a store card, Costco members can use the Costco Anywhere Visa card wherever Visa cards are accepted and earn rewards towards everyday purchases like gas, travel, and dining. However, the card is only offered to current Costco members. If you cancel your \u003Ca href=\"https:\u002F\u002Fwww.tkqlhce.com\u002Fclick-9041660-13804705?sid=[subid_value]\" target=\"_blank\"\u003ECostco membership\u003C\u002Fa\u003E, your Costco Anywhere Visa card will also be canceled.  \u003C\u002Fp\u003E\u003Cp\u003EIf you aren't a current Costco member, should you pay for the membership to get access to the Costco Anywhere Visa card? And if you are a Costco member, do the benefits and perks offered outweigh other rewards cards?  \u003C\u002Fp\u003E\u003Cp\u003EBefore you apply for this store card, here are five important things to know about the Costco Anywhere Visa card: \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1a9c09c3-0c93-4e03-b963-30175c88f846\" data-edition=\"us\" data-description=\"\u003Cp\u003EBefore you can apply for the Costco Anywhere Visa card, you must be a current member of Costco warehouse. When you apply for the store card, the first piece of information you must enter is your&nbsp;\u003Ca href="https:\u002F\u002Fwww.tkqlhce.com\u002Fclick-9041660-13804705?sid=[subid_value]" target="_blank"\u003ECostco membership\u003C\u002Fa\u003E&nbsp;number.\u003C\u002Fp\u003E\u003Cp\u003EThe annual cost is $60 for a Gold Star membership or $120 for an Executive membership, plus sales tax, where applicable. Executive members get more discounts and perks on Costco services and a 2% annual reward up to $1,000 on eligible purchases at Costco and Costco Travel. These perks are in addition to any cashback rewards you earn by making purchases using the Costco Anywhere Visa card.\u003C\u002Fp\u003E\u003Cp\u003EWith no annual fee outside the cost of Costco membership, the Costco Anywhere Visa card could be a great option. But if you are already a warehouse member at BJ's or Sam's Club, you have to decide if the additional membership cost is worth it.\u003C\u002Fp\u003E\" data-hed=\"Costco Anywhere Visa card\" data-imagegroup=\"{}\" data-offer=\"{"id":"f76604a0-1aa6-4aa9-aebd-9713cdfd90fe","slug":"costco-anywhere-visa-card","label":"Costco Anywhere Visa Card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"f76604a0-1aa6-4aa9-aebd-9713cdfd90fe","name":"Costco Anywhere Visa Card","slug":"costco-anywhere-visa-card","productType":"SERIES","updateType":"PRISM","mod":1647284774417,"displayDate":"Mon Mar 14 2022 14:06:14 GMT-0500 (Central Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Citi","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26683417&cr=28324&last_updated=1598581019","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b32c137c-f823-415f-a757-011f644f0568\" data-edition=\"us\" data-description=\"\u003Ch3\u003E\u003Cstrong\u003E1. You can earn rewards on more than Costco purchases\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EUnlike other&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-store-credit-card\u002F" target="_blank"\u003Estore cards\u003C\u002Fa\u003E, the rewards program is not limited to Costco purchases. The Costco Anywhere Visa card's rewards program offers a tiered cashback incentive based on the type of purchases you make:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E4% cashback on the first $7,000 per year and 1% after that\u003C\u002Fli\u003E\u003Cli\u003E3% cashback on dining and eligible travel\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E2% cashback on Costco and Costco.com purchases\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E1% cashback on all other purchases\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003E2. Your Costco purchases won't earn you the most cash back\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThough the Costco Anywhere Visa card is exclusive to Costco members, you won't earn the most cash back on Costco purchases. While gas, dining, and travel earn 3% to 4% cashback, Costco and Costco.com purchases are only eligible for 2% cashback rewards.\u003C\u002Fp\u003E\u003Cp\u003EWhile that may be disappointing, most&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-cash-back-credit-card\u002F" target="_blank"\u003Ecash back credit cards\u003C\u002Fa\u003E&nbsp;restrict reward eligibility on warehouse purchases. If you are a frequent Costco shopper, 2% cashback can help, making the Costco Anywhere Visa card a worthwhile card to have in your wallet. There is a $1000 cashback limit to how much Executive members can earn per year.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003E3. You'll get your rewards certificate once per year\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you've used other cashback credit cards before, you may be used to redeeming your rewards for purchases or cashback as soon as they show in your statement. But with the Costco Anywhere Visa card, you only get your cashback rewards once per year in February for the previous year. You can also only redeem the rewards for merchandise or cash in person at a Costco warehouse.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ELearn more about&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-redeem-costco-credit-card-rewards\u002F" target="_blank"\u003Ehow to redeem Costco credit card rewards\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003E4. You'll get more benefits than just cashback rewards\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThe Costco Anywhere Visa card has a solid cash back rewards program, but it's not the only benefit you get with this store card. Cardholders also have access to travel and shopping benefits when the card is used to make purchases.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECostco Anywhere Visa card travel benefits\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EWhen you pay for your rental car with the Costco Anywhere Visa card, you can save money by waiving the rental car company's collision damage insurance because the card offers up to $50,000 to fix or replace the car if it's damaged in an accident, stolen, vandalized, or damaged by a natural disaster.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou, your family members, and travel companions are also covered for travel and emergency assistance coverage. This includes help to make emergency travel arrangements, getting referrals, coordinating care, and getting consultations if you are hurt outside the U.S. Emergency, and professional service costs are not covered. The card also provides worldwide travel accident insurance, covering each qualified person up to $250,000 while traveling.\u003C\u002Fp\u003E\u003Cp\u003EYou can also use the roadside assistance dispatch service in any car wherever you need it in the U.S., Puerto Rico, and the U.S. Virgin Islands. You only pay for service if you use the coverage.\u003C\u002Fp\u003E\u003Cp\u003EAnother travel perk is no foreign transaction fees, no matter where you are in the world. Other cards can charge up to 3% for foreign transaction fees, which can be a surprise for cardholders once they review their statement after a vacation abroad.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECostco Anywhere Visa card shopping benefits\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ESuppose you use your Costco Anywhere Visa card or Costco reward certificate to make an eligible purchase. In that case, the damage and theft purchase protection covers you for 120 days (90 days for residents of New York) for up to $1,000 per item or the amount charged to the card or certificate, whichever is less. You can get up to $50,000 in coverage per year and are required to make a police report if the item is stolen.\u003C\u002Fp\u003E\u003Cp\u003EThose same purchases are also covered by the Costco Anywhere Visa card extended warranty. After the manufacturer warranty and customer purchased warranty expires, Citi provides 24 months of extended warranty coverage, up to $10,000 per item.\u003C\u002Fp\u003E\" data-hed=\"What should you know before you apply?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9a87d80e-3dd1-4182-9b4b-3f4fad869e2a\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Costco Anywhere Visa card is issued by Citibank. The card has no annual membership fee, but you have to be a current and active Costco member to apply for and keep the Costco Anywhere Visa card.\u003C\u002Fp\u003E\" data-hed=\"What bank issues the Costco card?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"36f39d79-fac8-49d9-82f8-a656f73a3063\" data-edition=\"us\" data-description=\"\u003Cp\u003ECostco accepts cash, checks, EBT, Costco Shop Cards, and mobile payments (Apple Pay, Google Pay, Samsung Pay). Visa credit and debit cards are also accepted, along with Mastercard debit cards only. Mastercard and American Express credit cards are not accepted at Costco, Costco.com, Costco gas stations, or Costco car washes.\u003C\u002Fp\u003E\" data-hed=\"What types of payment does Costco accept?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8b28986d-1e02-4b22-90cb-b74e83833c72\" data-edition=\"us\" data-description=\"\u003Cp\u003ECostco's policy allows members to bring children and up to two guests each time they visit a warehouse. However, Costco members are the only ones who can make purchases. So, if you bring a guest to buy merchandise at Costco, you must pay for it and be reimbursed by the guest. This could be an advantage if you want to increase your rewards using the Costco Anywhere Visa card.\u003C\u002Fp\u003E\" data-hed=\"How many guests can you bring to Costco?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9f23f2de-86a1-45f4-9606-3467422dafaa\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fcostco-anywhere-visa-business-card-review-2021\u002F" target="_blank"\u003ECostco Anywhere Visa Business Card\u003C\u002Fa\u003E is virtually the same as the Costco Anywhere Visa card, but it doesn't allow transfers. Depending on your needs for a \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-business-credit-card\u002F" target="_blank"\u003Ebusiness credit card\u003C\u002Fa\u003E, there may be other options out there that better fit your criteria\u003C\u002Fp\u003E\" data-hed=\"Is there an alternative to the Costco Anywhere Visa card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-22 23:12:00",timezone:"UTC",updated:c,published:c},description:"If you're considering this store card for the perks offered, here are some essential things to know about the Costco Anywhere Visa® Card before applying.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"17f3758f-fe5e-4669-a09f-1eba2376feac",image:{id:"15aa5cfc-078b-4f37-a748-2d169ba3018a",filename:"credt-card-template.jpg",dateCreated:{created:c,date:"2022-03-08 04:19:41",timezone:"UTC",updated:c,published:c},alt:"credt-card-template.jpg",credits:c,caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F08\u002F15aa5cfc-078b-4f37-a748-2d169ba3018a\u002Fcredt-card-template.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2100,height:1400,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"review-single",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"Costco Anywhere Visa card review: A credit card for members",section:b,slug:"costco-anywhere-visa-card-review",startYear:c,summary:b,title:"Costco Anywhere Visa card review: A credit card for members",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"84336c43-7529-4d53-acb0-d90e1bd6f722\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"(Image: USPS)\" data-image-alt-text=\"What is a money order?\" data-image-filename=\"what-is-a-money-order.png\" data-image-date-created=\"2022\u002F05\u002F23\" data-image-width=\"1296\" data-image-height=\"729\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EMoney order or cashier's check helps when you need money in a flash and a traditional check just won't do. But what is the difference between the two? \u003C\u002Fp\u003E\u003Cp\u003EHere we help break down the difference between a money order and a cashier's check so you can make the right decision for your finances, whether you are buying a new home or sending your kid sister birthday money. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6edb14c9-38e2-43a0-9331-bb55cb2cf268\" data-edition=\"us\" data-description=\"\u003Cp\u003EA money order is a paper certificate from a financial institution that is used to pay another party in cash. Because it is issued by an official bank or institution, it is a guaranteed form of payment that is generally accepted instead of a check or cash payment.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIt does function like a check in some ways, though. The payee is the person that receives the funds, while the payer has the opportunity to stop payment if needed. Anyone can get a money order, regardless of whether there is an open account or not.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a money order?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b9a5fb17-1d48-41c6-9412-00f04db0431f\" data-edition=\"us\" data-description=\"\u003Cp\u003EA cashier's check is different because it is a check guaranteed and drawn directly from a bank's own account. This means that you generally need to have a bank account to help secure the funds.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBecause it is issued directly by a bank, a cashier's check is issued and signed by a bank's teller or cashier, making it official. This is why it is a popular choice for larger payments because it is significantly safer than cash and is accepted instead of a check payment by most people.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a cashier's check?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fwhat-is-a-cashiers-check\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EWhat is a cashier's check? Definition, cost, uses, and how to get one\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"17ab5dfa-bc91-4f15-91a3-cda00dcde74a\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are several pros and cons for money orders versus cashier's checks that may be worth your consideration:\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros and cons of a money order\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EA money order is a great option when you need to make smaller purchases. Because it is a smaller amount, it is often cheaper than the cost of a cashier's check and usually does not require a new account.\u003C\u002Fp\u003E\u003Cp\u003EJust be sure that you can keep the total amount under $1,000 and account for any fees you may encounter. You also want to keep track of the transaction, safely storing the receipt until everything is completed because it is otherwise untraceable.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros and cons of a cashier's check\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EA cashier's check may require opening a new banking account; a money order may be your best bet because there are rarely new account requirements.\u003C\u002Fp\u003E\" data-hed=\"What is the difference between a money order and a cashier's check?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Ch3\u003E\u003Cbr\u003E\u003C\u002Fh3\u003E\u003Ctable class=\"NOTSELECTED\"\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMoney Order\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECashier's Check\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPros\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EGuaranteed by customer\u003C\u002Fli\u003E\u003Cli\u003EAppropriate for small purchases\u003C\u002Fli\u003E\u003Cli\u003ETypically cheaper than a cashier's check\u003C\u002Fli\u003E\u003Cli\u003EGenerally accepted worldwide\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EPros\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EGuaranteed by bank\u003C\u002Fli\u003E\u003Cli\u003EAvailable in large amounts\u003C\u002Fli\u003E\u003Cli\u003EMay clear faster \u003C\u002Fli\u003E\u003Cli\u003EAdvanced security protocols \u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECons \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E$1,000 maximum\u003C\u002Fli\u003E\u003Cli\u003EProne to fees\u003C\u002Fli\u003E\u003Cli\u003EUntraceable after purchase\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ECons \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMay require new banking account\u003C\u002Fli\u003E\u003Cli\u003EOften cannot be canceled\u003C\u002Fli\u003E\u003Cli\u003ETypically more expensive than a money order\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"46dcc6ef-1c45-4f92-8a1c-bdc82fa66676\" data-edition=\"us\" data-description=\"\u003Cp\u003EA cashier's check can help with everything from buying a vehicle to selling your home. It can also serve as a deposit for your lease or as repayment for a loan. There are countless opportunities to use a cashier's check, although it is missing the anonymity of a money order and instead displays your account details on the check itself.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EA money order works differently. With its $1,000 requirement, a money order is a great solution to a number of scenarios. Because it is limited in its amount, it is ideal for your monthly rent or the deposit for a used car. It is also often used to send money to friends and family or to make small purchases. Discrete and private, a money order is an excellent solution for those without a bank account. It is a great way to keep your private information secure by skipping the personal check with all of your account numbers on it.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Should I choose a money order or a cashier's check?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f7004726-5da6-4a0c-a340-c67cb40fd5b7\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen it comes to money orders versus cashier's checks, it all depends on your specific needs. If you can do without the extra security protocols, a money order could be a greater solution for those smaller purchases. However, if you plan to make a large payment and need something more secure with greater flexibility,&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EEither way, both are crucial financial tools that will no doubt come in handy in many a lifetime.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"The bottom line\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch3\u003E\u003Cbr\u003E\u003C\u002Fh3\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-05-23 20:35:00",timezone:"UTC",updated:c,published:c},description:"Before you make your next payment, consider the difference between a money order and a cashier's check.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a35f5f13-4fff-49ba-838c-4ec12aca7661",image:{id:"84336c43-7529-4d53-acb0-d90e1bd6f722",filename:"what-is-a-money-order.png",dateCreated:{created:c,date:"2022-05-23 20:07:07",timezone:"UTC",updated:c,published:c},alt:"what-is-a-cashiers-check.jpg",credits:"(Image: USPS)",caption:"\u003Cp\u003EUSPS\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F23\u002F84336c43-7529-4d53-acb0-d90e1bd6f722\u002Fwhat-is-a-money-order.png",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1296,height:729,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"review-multi",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:"Money order vs. cashier's check: What's the difference?",section:b,slug:"money-order-vs-cashiers-check-what-is-the-difference",startYear:c,summary:b,title:"Money order vs. cashier's check: What's the difference?",topic:{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"f0aaf4c5-10d5-11e4-9732-00505685119a",username:"Wendy M Grossman",profileUrl:c,email:c,firstName:"Wendy M",lastName:"Grossman",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"a10ddab3-1175-11e4-9732-00505685119a",filename:"wendy-grossman.jpg",dateCreated:{created:c,date:"2014-02-11 09:06:07",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2014\u002F02\u002F11\u002Fa10ddab3-1175-11e4-9732-00505685119a\u002Fwendy-grossman.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Wendy M. Grossman is a journalist, blogger, and folksinger. Her writing has been published in several newspapers, magazines, and specialized publications. She is the recipient of the 2013 Enigma Award for information security reporting.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"d188055c-4fac-4e37-b9c7-7aeb3956f331\" data-size=\"medium\" data-float=\"left\" data-image-caption=\"\u003Cp\u003EKings of Crypto: One Startup's Quest to Take Cryptocurrency Out of Silicon Valley and onto Wall Street • By Jeff John Roberts • Harvard Business Review • 256 pages • ISBN: 978-1-647820-18-3 • £22 \u002F $30&nbsp; &nbsp;\u003C\u002Fp\u003E\" data-image-alt-text=\"kings-of-crypto-book-main.jpg\" data-image-target-url=\"https:\u002F\u002Fhbsp.harvard.edu\u002Fproduct\u002F10436-HBK-ENG\" data-image-filename=\"kings-of-crypto-book-main.jpg\" data-image-date-created=\"2021\u002F12\u002F13\" data-image-width=\"352\" data-image-height=\"520\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe biggest chance at large, unearned sums of money that I ever passed up was around 2008, when a guy sitting next to me at a tech conference suggested I should mine a few bitcoin. I looked at all the technical complexity that was necessary to do it and thought it was just too much trouble (it was!).  \u003C\u002Fp\u003E\u003Cp\u003EWhere there is technical complexity, as dozens of early internet startups could tell you, there is a market opportunity.   \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ESEE: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-cio-role-is-changing-that-means-making-some-surprising-new-friends\u002F\"\u003E\u003Cstrong\u003EWant to get things done in tech? You'll need these surprising new allies\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn Jeff John Roberts' \u003Ca href=\"https:\u002F\u002Fhbsp.harvard.edu\u002Fproduct\u002F10436-HBK-ENG\" target=\"_blank\"\u003E\u003Cem\u003EKings of Crypto: One Startup's Quest to Take Cryptocurrency Out of Silicon Valley and onto Wall Street\u003C\u002Fem\u003E\u003C\u002Fa\u003E, the founder who seized the opportunity was \u003Ca href=\"https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FBrian_Armstrong_(businessman)\" target=\"_blank\"\u003EBrian Armstrong\u003C\u002Fa\u003E, and the startup whose rollercoaster he rode was \u003Ca href=\"https:\u002F\u002Fwww.coinbase.com\u002F\" target=\"_blank\"\u003ECoinbase\u003C\u002Fa\u003E. Vintage purists will note the use of \"crypto\" for \"cryptocurrencies\" -- a recent appropriation of the word, which for decades has denoted the more general \"cryptography\".  \u003C\u002Fp\u003E\u003Cp\u003EIn many ways, the story of Coinbase is little different from that of most startups: guy hits on an idea, seeks funding, has some ups and downs, and becomes book-worthy by either spectacularly flaming out or by building a successful business that's the envy of other major businesses.   \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"ba897fe6-2f92-4fbd-aab9-48162b509e96\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fba897fe6-2f92-4fbd-aab9-48162b509e96\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWhat's different about Coinbase is that its fortunes depended on those of the wildly volatile and scam-filled cryptocurrencies market, and on increasingly interested (for both good and bad) regulators and law enforcement. Neither of these external factors mixes well with the seat-of-the-pants we'll-figure-out-the-legal-stuff-later ethos of many Silicon Valley start-ups, including this one. Otherwise, exploits like Coinbase's use of geofencing to dupe Apple into thinking its app didn't have to pay commissions would be less notable than \u003Ca href=\"https:\u002F\u002Fen.wikipedia.org\u002Fwiki\u002FGreyball\" target=\"_blank\"\u003EUber's similar trick aimed at law enforcement\u003C\u002Fa\u003E.  \u003C\u002Fp\u003E\u003Cp\u003ENaturally, any company trying to make something complex and technical easy for the masses is divisive among some hardcore techies. Coinbase's sin -- which is the same sin as web farms, blog farms, and social media sites -- is that it centralises something whose founding myth included decentralisation and unregulated freedom. In Coinbase's case, that something is keys and hosted software wallets. At other times, the company's own Silicon Valley roots got it into trouble: even a Silicon Valley bank rejected them as a customer when it realised the scams for which cryptocurrencies could be used. When the IRS demanded a copy of its entire customer database, the company fought back in court (and won).  \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"cb388d19-f7d8-412a-ae28-9b4be13bea01\" data-edition=\"us\" data-hed=\"Buy a copy of Kings of Crypto\" data-imagegroup=\"{"alt":"kings-of-crypto-book-main.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"d188055c-4fac-4e37-b9c7-7aeb3956f331","filename":"kings-of-crypto-book-main.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F12\u002F13\u002Fd188055c-4fac-4e37-b9c7-7aeb3956f331\u002Fkings-of-crypto-book-main.jpg","dateCreated":{"date":"2021-12-13 18:19:37","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"d188055c-4fac-4e37-b9c7-7aeb3956f331","imageFilename":"kings-of-crypto-book-main.jpg","imageDateCreated":"2021\u002F12\u002F13"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.amazon.com\u002FKings-Crypto-Startups-Cryptocurrency-Silicon-ebook\u002Fdp\u002FB085TRJY8X\" data-offerprice=\"19\" data-offermerchant=\"Amazon\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ERoberts does a good job of making complex background compelling: the hacker-libertarian culture that produced cryptocurrencies, the underlying technology, the conflicting motives of early adopters that were exposed when growth sparked heated disagreement over block sizes, and the passing craze for ICOs (Initial Coin Offerings). Despite all this, Roberts argues that it's the financial industry's turn to be fundamentally reshaped, just as others -- hospitality, automotive, media -- already have been, and Coinbase's trajectory suggests how it will happen.   \u003C\u002Fp\u003E\u003Cp\u003ERoberts seeks to make some predictions in the final chapter, and argues his main point: that Coinbase will become a bank.  \u003C\u002Fp\u003E\u003Cp\u003EPredicting this stuff is hard. In \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fholiday-reading-roundup-how-the-future-looked-before-the-pandemic\u002F\" target=\"_blank\"\u003E\u003Cem\u003EThe Currency Cold War\u003C\u002Fem\u003E\u003C\u002Fa\u003E, Dave Birch distinguished between cryptocurrencies, which he saw as an intermediate step, and digital currencies, which are now being studied for adoption by central banks, governments, and credit card companies. But by the time Coinbase becomes a bank -- if it does -- will banks still matter? \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ERECENT AND RELATED CONTENT\u003C\u002Fstrong\u003E \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fcryptocurrency-should-bitcoin-mining-be-curbed-in-europe-swedish-authorities-say-yes\u002F\"\u003ECryptocurrency: Should Bitcoin mining be curbed in Europe? Swedish authorities say yes\u003C\u002Fa\u003E \u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fcryptocurrency-leaders-see-exponential-growth-globally-while-financial-banks-embrace-crypto-as-an-asset-class\u002F\"\u003ECryptocurrency leaders see exponential growth; banks embrace crypto as an asset class\u003C\u002Fa\u003E \u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fus-indicts-uk-resident-plugwalkjoe-for-cryptocurrency-theft\u002F\"\u003EUS indicts UK resident 'PlugwalkJoe' for cryptocurrency theft\u003C\u002Fa\u003E \u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fus-deputy-attorney-general-launches-cryptocurrency-enforcement-team-at-doj\u002F\"\u003EUS Deputy Attorney General launches cryptocurrency enforcement team at DOJ\u003C\u002Fa\u003E \u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fcoinbase-sends-out-breach-notification-letters-after-6000-accounts-had-funds-stolen\u002F\"\u003E\u003Cstrong\u003ECoinbase sends out breach notification letters after 6,000 accounts had cryptocurrency stolen\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ERead more book reviews\u003C\u002Fstrong\u003E \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwork-without-the-worker-book-review-microtasking-automation-and-the-future-of-work\u002F\"\u003EWork Without the Worker, book review: Microtasking, automation and the future of work\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fethical-hacking-book-review-a-hands-on-guide-for-would-be-security-professionals\u002F\"\u003EEthical Hacking, book review: A hands-on guide for would-be security professionals\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-new-breed-book-review-use-animals-not-humans-as-the-model-for-robots\u002F\"\u003EThe New Breed book review: Use animals, not humans, as the model for robots\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fexponential-book-review\u002F\"\u003EExponential, book review: Technology acceleration and its impact on society\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftiktok-boom-book-review-the-rise-and-rise-of-youtubes-younger-hipper-competitor\u002F\"\u003ETikTok Boom, book review: The rise and rise of YouTube's younger, hipper competitor\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-12-14 07:45:00",timezone:"UTC",updated:c,published:c},description:"Jeff John Roberts explores the world of cryptocurrencies, including the hacker-libertarian culture that produced them, the underlying technology, the conflicting motives of early adopters, and the passing craze for ICOs.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"fc4e6350-8966-4c2e-ba30-2d603cf311d1",image:{id:"fbbba6d2-8591-408e-b718-7da307b38cee",filename:"kings-of-crypto-book-thumb.jpg",dateCreated:{created:c,date:"2021-12-13 18:16:09",timezone:"UTC",updated:c,published:c},alt:"kings-of-crypto-book-thumb.jpg",credits:"Image: Harvard Business Review",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F12\u002F13\u002Ffbbba6d2-8591-408e-b718-7da307b38cee\u002Fkings-of-crypto-book-thumb.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:693,height:520,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"review-single",hubTopicPathString:"Finance^Blockchain",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"kings-of-crypto-book-review-how-coinbase-helped-to-reshape-the-future-of-finance",startYear:c,summary:b,title:"Kings of Crypto, book review: How Coinbase helped to reshape the future of finance",topic:{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"112a7545-ec91-11e3-95d2-02911863765e",slug:"reviews",name:"Reviews",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"bf9804d6-0261-46a3-b776-3ab8f6d8d9e6",username:"Cynthia Paez Bowman",profileUrl:c,email:c,firstName:"Cynthia",lastName:"Bowman",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"5188d06b-b9c8-4a07-baae-5d2a56c8b7b7",filename:"cynthia-bowman-author.jpg",dateCreated:{created:c,date:"2021-06-10 15:24:39",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F10\u002F5188d06b-b9c8-4a07-baae-5d2a56c8b7b7\u002Fcynthia-bowman-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Cynthia Paez Bowman is a finance, real estate and international business journalist. Besides ZDNET, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women's NGOs about small business development.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EOn average, an Amazon Prime member spends about \u003Ca href=\"https:\u002F\u002Fwww.statista.com\u002Fstatistics\u002F304938\u002Famazon-prime-and-non-prime-members-average-sales-spend\u002F\" target=\"_blank\"\u003E$1,400 per year\u003C\u002Fa\u003E. However, the figure is probably higher based on the \u003Ca href=\"https:\u002F\u002Fwww.reuters.com\u002Ftechnology\u002Famazon-first-quarter-sales-beat-expectations-2021-04-29\u002F\" target=\"_blank\"\u003Eonline shopping spike\u003C\u002Fa\u003E caused by the COVID-19 pandemic. The Amazon Prime Rewards Visa card is issued by Chase Bank and delivers 5% cashback on Amazon and Whole Foods Market purchases. If brown boxes regularly stack on your front porch, you could earn some money back simply for shopping at the world's largest retailer.  \u003C\u002Fp\u003E\u003Cp\u003ETo get a better idea of how much cashback you could earn (or have missed out on), log in to Amazon.com, navigate to \"Account & Lists,\" and click \"Ordering and Shopping Preferences.\" You'll find a useful tool that allows you to download order reports based on your chosen timeframe, including custom dates, current year, or entire history. The amount may be eye-opening, revealing you have left hundreds of dollars or more on the table in cashback rewards. Fortunately, you can fix that by applying for the Amazon Prime Rewards Visa credit card. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0a08d675-251c-4899-b655-80f87aa154f9\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Amazon Prime Rewards Visa credit card is designed to integrate seamlessly with your Amazon.com and Whole Foods Market purchases. Amazon provides a&nbsp;\u003Ca href="https:\u002F\u002Fwww.amazon.com\u002Fgp\u002Fcobrandcard\u002Fmarketing.html?pr=con321&amp;ref_=issecm" target="_blank"\u003Epre-qualification tool\u003C\u002Fa\u003E&nbsp;that can tell you whether you'd be approved for the card and your credit limit without affecting your credit score. It's a good way to test the waters and avoid a small hit to your credit score for an inquiry, only to get denied.\u003C\u002Fp\u003E\u003Cp\u003EGetting pre-qualified takes just a few seconds, and so does getting approved. Once you're approved, you can start shopping online -- even if you don't have a physical card yet. You'll see the option to pay using your Amazon Prime Rewards Visa credit card at checkout. The physical card will follow in the mail for all other purchases.\u003C\u002Fp\u003E\u003Cp\u003EThe key to good credit history is being selective about your credit cards and how you use them. Available credit, low card balances, on-time payments, and card longevity are some of the factors that affect your credit score most. Canceling a card because it isn't right for you could negatively impact the average age of your credit card accounts and your overall available credit. Make sure that the Amazon Prime Rewards Visa will suit your needs for years to come before you apply.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo annual fee\u003C\u002Fli\u003E\u003Cli\u003EInstant Amazon gift card bonus at approval\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EOpen-loop -- unlike many store-brand cards, it can be used everywhere Visa is accepted\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E5% cashback on Amazon and Whole Foods purchases\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EAn extra 10% to 25% back on select Amazon purchases\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E2% cashback at restaurants, gas stations, and drug stores&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E1% cashback everywhere else\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ECashback points can be applied to Amazon purchases, travel, and gift cards&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ETravel perks include no foreign transaction fees and Visa Signature benefits, such as travel insurance, luggage protection, and concierge services\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo cashback rewards if you chose a 6 or 12 month installment plan with 0% APR\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EUnlike other Chase credit cards, no access to the Chase Ultimate Rewards website\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Amazon Prime Rewards Visa\" data-imagegroup=\"{}\" data-offer=\"{"id":"15de618f-6d08-4d6e-9896-a335064783de","slug":"amazon-prime-rewards-visa-signature","label":"Amazon Prime Rewards Visa Signature","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"15de618f-6d08-4d6e-9896-a335064783de","name":"Amazon Prime Rewards Visa Signature","slug":"amazon-prime-rewards-visa-signature","productType":"PRODUCT","updateType":"PRISM","mod":1645221248756,"displayDate":"Fri Feb 18 2022 16:54:08 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9fc64a91-052c-4e2c-8dcf-179980326052\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Amazon Prime Rewards Visa already comes with a high rewards rate of 5% cashback on Whole Foods and Amazon purchases. You could earn more by taking advantage of \u003Ca href="https:\u002F\u002Fwww.amazon.com\u002Fb?ie=UTF8&node=17934980011" target="_blank"\u003Eexclusive offers\u003C\u002Fa\u003E available to Prime Rewards cardholders that let you earn another 10% to 25% on Amazon purchases -- on top of the 5% rewards.\u003C\u002Fp\u003E\" data-hed=\"How can you earn more cashback with my Amazon Prime Rewards Visa card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"db223a20-750b-45e0-88c5-30a75d08178c\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou won't earn bonus points for travel purchases, but the Amazon Prime Rewards Visa does come with Visa Signature travel perks. They include complimentary concierge services for help with travel, priority access and special rates at Luxury Hotel Collection properties, lost or delayed baggage coverage, no foreign transaction fees, and travel\u002Femergency assistance.\u003C\u002Fp\u003E\" data-hed=\"Is the Amazon Prime Rewards Visa credit card good for travel?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"29d70028-abc8-436e-bb80-d1b425f452ac\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F29d70028-abc8-436e-bb80-d1b425f452ac\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E \t\u003Cbr\u003E \u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-22 18:14:00",timezone:"UTC",updated:c,published:c},description:"This credit card allows you to earn rewards on Amazon and Whole Foods purchases. As with all credit cards, however, it has its pros and cons. Here's our review of the popular card.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"bef7bf52-42dc-40ad-9cf8-97f0ad4f60df",image:{id:"57c43ee8-2d67-423a-8dc3-e97dc246a595",filename:"amazon-prime-rewards-visa-card-review.jpg",dateCreated:{created:c,date:"2022-03-08 04:40:27",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"By Eui Jong Kim -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F08\u002F57c43ee8-2d67-423a-8dc3-e97dc246a595\u002Famazon-prime-rewards-visa-card-review.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2100,height:1400,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"review-single",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"Amazon Prime Rewards Visa card review: Earn money back by shopping",section:b,slug:"amazon-prime-rewards-visa-card-review",startYear:c,summary:b,title:"Amazon Prime Rewards Visa card review: Earn money back",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fb7a83c-ec91-11e3-95d2-02911863765e",slug:"amazon",name:"Amazon",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"f38a6ae7-332c-4e4c-b0ec-ea2601e1d71f",username:"Erin Gobler",profileUrl:c,email:c,firstName:"Erin",lastName:"Gobler",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"5273e8dd-f1f4-4e81-97ce-565a5a1c9ad3",filename:"erin-gobler-author.jpg",dateCreated:{created:c,date:"2021-06-30 15:31:56",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F30\u002F5273e8dd-f1f4-4e81-97ce-565a5a1c9ad3\u002Ferin-gobler-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Erin Gobler is a personal finance writer based in Madison, Wisconsin. She writes about topics including budgeting, student loans, credit, mortgages, investing, and insurance. Her work has been published in financial publications and startups such as The Simple Dollar, LendingTree, Robinhood, and more.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"77d2cfb7-3c75-4155-8ef5-21accdfab90a\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-alt-text=\"amazon-business-line-of-credit.jpg\" data-image-filename=\"amazon-business-line-of-credit.jpg\" data-image-date-created=\"2022\u002F03\u002F16\" data-image-width=\"2100\" data-image-height=\"1400\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EFinding the right financing for your business can be difficult. With so many options to choose from, how do you know which is right for you? For companies that regularly shop online, Amazon's Business Line of Credit makes for a simple and effective financing option. Keep reading to learn more features of Amazon's business credit lines and how to decide if it's right for you. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"57302856-83fa-493c-aeef-2b50182146ca\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Amazon Business Line of Credit is a financing option for businesses that shop on Amazon Business or Amazon.com. Managed by Synchrony Bank, this credit line makes it easy for companies to manage their inventory and track purchases.\u003C\u002Fp\u003E\u003Cp\u003EWhen you sign up for an Amazon business credit line, you'll get a dedicated account management team to help you set up, customize, and manage your Line of Credit. Businesses that spend more than $100,000 per year will also get an account specialist assigned specifically to their account.\u003C\u002Fp\u003E\u003Cp\u003EOnce your account is set up, you can create separate accounts for each of your organization's companies, locations, or departments. Then, you'll receive easy-to-read monthly statements that list your itemized transactions and product-level details for each invoice.\u003C\u002Fp\u003E\u003Cp\u003EAmazon's credit line is a pay-in-full Line of Credit with no interest and no annual fee. You'll have 55-day payment terms on all Amazon Business purchases, with a requirement to pay the credit line off in full each payment term.\u003C\u002Fp\u003E\u003Cp\u003EIt's important to note that there are some items you can't purchase with an Amazon Business Line of Credit, including:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECell phones\u003C\u002Fli\u003E\u003Cli\u003ETextbook rentals\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EE-documents\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EGames and software downloads\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EDigital newspapers and magazine subscriptions\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EPrime memberships\u003C\u002Fli\u003E\u003Cli\u003ERecurring deliveries and Subscribe & Save\u003C\u002Fli\u003E\u003Cli\u003EAmazon gift cards via email or print at home\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"What is an Amazon Business Line of Credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2c472606-8f98-4a25-a326-7abce64f00ad\" data-edition=\"us\" data-description=\"\u003Cp\u003EBefore you sign up for an Amazon Business Line of Credit, you must understand the pros and cons that come with it.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ENo interest or annual fee: \u003C\u002Fstrong\u003EThere's no annual fee to use an Amazon business credit line. Because you pay your bill in full each time, there's no interest either.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EPayment terms longer than one month: \u003C\u002Fstrong\u003EWhile Amazon's credit line does have a pay-in-full requirement, payment terms are 55 days instead of the standard one month.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EDedicated account management team:\u003C\u002Fstrong\u003E When you sign up for an Amazon business credit line, you'll get a dedicated account management team to help set up and service your account.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EOnly works for Amazon purchases:\u003C\u002Fstrong\u003E Amazon's credit line can only be used for Amazon Business or Amazon.com purchases. Since most businesses don't make 100% of their purchases on Amazon, this is inconvenient.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECan't be used for all goods on Amazon: \u003C\u002Fstrong\u003EWhile the Amazon credit line can be used for most Amazon purchases, several exceptions exist (see the ones listed above).\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ENo rewards:\u003C\u002Fstrong\u003E Unlike \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-business-credit-card\u002F" target="_blank"\u003Ebusiness credit cards\u003C\u002Fa\u003E, Amazon's business credit line doesn't give you any cashback or other rewards for shopping.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"What are the pros and cons of an Amazon Business Line of Credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b42c67bc-26d6-4b15-aeb6-7cc1b78c7785\" data-edition=\"us\" data-description=\"\u003Cp\u003EAmazon currently only offers pay-in-full lines of credit. As a result, you don't have to worry about paying interest on your purchases. There's also no annual fee to use your credit line. \u003C\u002Fp\u003E\u003Cp\u003EHowever, there are some fees that you may be subject to. There's a fee of 2% per month or an annualized rate of 24% for late payments. There's also a $29 returned check fee.\u003C\u002Fp\u003E\" data-hed=\"What are the costs to an Amazon Business Line of Credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9ce08ce9-288d-4b5c-93f7-d8b33d558f56\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo apply for an Amazon Business Line of Credit, visit the credit line page on \u003Ca href="https:\u002F\u002Fwww.amazon.com\u002FAmazon-com-Corporate-Credit-Line-Pay-in-Full\u002Fdp\u002FB07CBJQS16\u002F?tag=zdnet-deals-20" target="_blank"\u003EAmazon's website\u003C\u002Fa\u003E and click "Apply Now." You can learn more about the credit line, and when you're ready to apply, you'll be redirected to the application form with Synchrony Bank.\u003C\u002Fp\u003E\u003Cp\u003ETo apply, you'll have to provide the following information:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EBusiness name\u003C\u002Fli\u003E\u003Cli\u003EBusiness address, phone number, and email address\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EBusiness type\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EAnnual revenue\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ETax ID number\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EInformation about the authorized representative or owner\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWhen you fill out the form, you'll be given the option to provide a personal guarantee. The personal guarantee is optional, but it may be required if your company has been in business less than two years or doesn't have an established credit history.\u003C\u002Fp\u003E\" data-hed=\"How do you apply for an Amazon Business Line of Credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3e2ca007-1c3d-4108-ad3b-891ea6c3f0c1\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Amazon Business Line of Credit is best for established businesses with at least two years of credit history that regularly shop on Amazon.\u003C\u002Fp\u003E\" data-hed=\"Who should apply for an Amazon Business Line of Credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a8f163f1-f323-4d9a-8eb0-15181f670939\" data-edition=\"us\" data-description=\"\u003Cp\u003ENow that you've learned about the Amazon Business Line of Credit, you might be wondering whether it's right for your organization. \u003C\u002Fp\u003E\u003Cp\u003EThere are a few types of businesses that are best-suited to these lines of credit:\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EEstablished businesses\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ESynchrony Bank, the financial institution that manages the Amazon lines of credit, requires applying organizations to have been in business for more than two years. If you've been in business less than two years or don't have a \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftop-6-ways-to-build-business-credit-quickly\u002F" target="_blank"\u003Ebusiness credit history\u003C\u002Fa\u003E, then you'll have to provide a personal guarantee -- meaning you'll cover the bill if the business can't.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EBusinesses that frequently shop at Amazon\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThis Line of Credit can only be used for purchases on Amazon Business or Amazon.com. As a result, you'll only get the most of the credit line if you often shop on Amazon.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EBusinesses that can pay their bill in full\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EAmazon's business Line of Credit is currently only available with pay-in-full terms (more specifically, they have 55-day payment terms). If you need more time to pay off your purchases, then you might be better suited to looking at a credit card.\u003C\u002Fp\u003E\" data-hed=\"Is an Amazon Business Line of Credit right for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"bd073eb9-d96c-4c4a-a234-d1c75ab504dc\" data-edition=\"us\" data-description=\"\u003Cp\u003EAmazon's business credit line can only be used at Amazon and must be paid in full each 55-day term. Amazon's business credit card doesn't have a pay-in-full requirement and can be used at most retailers. \u003C\u002Fp\u003E\u003Cp\u003EThe credit card also comes with cashback rewards.\u003C\u002Fp\u003E\" data-hed=\"What's the difference between an Amazon Business credit line and an Amazon Business credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"90f43d20-3507-4350-b8dc-1e01331a1556\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Amazon Business Line of Credit can be an excellent option for companies to simplify their Amazon purchasing, but it's not the only option. \u003C\u002Fp\u003E\u003Cp\u003EHere are a few alternatives you might want to consider:\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Famazon-business-prime-american-express-card-review\u002F" target="_blank"\u003EAmazon Business Prime American Express card\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EFor companies that regularly shop on Amazon, the Line of Credit isn't the only option. Amazon also offers a business credit card, which gives you cashback on most purchases, which you can then use to put toward Amazon purchases. Unlike the credit line, your credit card bill doesn't have to be paid in full each time (though you'll pay interest on unpaid expenses).\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EBlueVine Business Line of Credit\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EBlueVIne is a popular provider of small business credit lines, with amounts ranging from $5,000 to $250,000. There are a few benefits to BlueVines credit lines over Amazon's. First, you can pay back the amount you borrowed over 6-12 months. This is more generous than Amazon's pay-in-full requirement. The money can also be used for any purpose, unlike Amazon's credit line, which can only be spent on Amazon purchases.\u003C\u002Fp\u003E\" data-hed=\"Are there alternatives to an Amazon Business Line of Credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-03-16 13:53:00",timezone:"UTC",updated:c,published:c},description:"The Amazon Business line of credit creates a simple inventory system for companies that regularly shop with Amazon.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"741a5295-0488-4033-9779-aad646febf9e",image:{id:"77d2cfb7-3c75-4155-8ef5-21accdfab90a",filename:"amazon-business-line-of-credit.jpg",dateCreated:{created:c,date:"2022-03-16 13:47:46",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Shutterstock",caption:"\u003Cp\u003ECreditcards.com\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F16\u002F77d2cfb7-3c75-4155-8ef5-21accdfab90a\u002Famazon-business-line-of-credit.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2100,height:1400,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"review-single",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:"What is an Amazon Business Line of Credit and is it right for you?",section:b,slug:"amazon-business-line-of-credit-review",startYear:c,summary:b,title:"Amazon Business Line of Credit: Is it right for you?",topic:{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fb7a83c-ec91-11e3-95d2-02911863765e",slug:"amazon",name:"Amazon",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d}],componentLabel:"Advice that helps you decide",description:c,filters:c,paging:c,slug:"dynamic-topic-3-story-carousel-reviews",title:"Reviews",label:c,viewMoreText:c,viewMoreUrl:c,relatedItems:c},{id:"49cbd472-fb49-40ab-832b-366ddd22eb32",meta:{componentName:"49cbd472-fb49-40ab-832b-366ddd22eb32",componentDisplayName:"How-to Guides",componentType:"ContentList"},metadata:{},links:{self:{href:"https:\u002F\u002Fbender.cnetstatic.com\u002Fapi\u002Fneutron\u002Fcomponents\u002Fzdnet\u002Flisting\u002Fdynamic_listing\u002F49cbd472-fb49-40ab-832b-366ddd22eb32\u002Fweb?searchBy=id&topicSlug=banking&componentType=ContentList&componentName=49cbd472-fb49-40ab-832b-366ddd22eb32"}},items:[{author:{id:"79d67b90-8175-11e2-9d12-0018fe8a00b0",username:"charlieosborne",profileUrl:c,email:c,firstName:"Charlie",lastName:"Osborne",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2e4c50de-700f-4193-ab8f-046747723cf0",filename:"charlie-osborne.jpg",dateCreated:{created:c,date:"2022-08-05 15:00:38",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002F2e4c50de-700f-4193-ab8f-046747723cf0\u002Fcharlie-osborne.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Charlie Osborne is a cybersecurity journalist and photographer who writes for ZDNET and CNET from London. PGP Key: AF40821B",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"c3372401-b46f-454a-8053-af26440f8b95\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"ZDNet\" data-image-alt-text=\"sample-image-16-9-red.jpg\" data-image-filename=\"gettyimages-185256722-stack-of-one-pound-coins-falling-over2.jpg\" data-image-date-created=\"2022\u002F05\u002F24\" data-image-width=\"2121\" data-image-height=\"1193\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe UK government is offering payments to help its residents cope with the increased cost of living.\u003C\u002Fp\u003E\u003Cp\u003EAs the UK experiences a surge in inflation beyond 9%, the cost of fuel is perilously close to £2 a liter, and the overall cost of travel, goods, food and services continues to climb, the majority of UK citizens are feeling the sting. \u003C\u002Fp\u003E\u003Cp\u003EThe cost of energy, in particular, is becoming a painful subject for many. Cornwall Insight predicts that the price cap -- originally designed to protect consumers from short-term fluctuations in price -- will be hiked by 65% to £3,240, an amount that few will be able to manage without help. \u003C\u002Fp\u003E\u003Cp\u003EThere are payments and grants available, and here's what you need to know about them. \u003C\u002Fp\u003E\u003Ch2\u003EUK cost of living payments explained\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe UK government announced a \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Fnews\u002Fone-in-four-families-get-first-government-cost-of-living-payment-from-today\" target=\"_blank\"\u003E£37 billion\u003C\u002Fa\u003E support package, including cuts to fuel duty and support payments. In the first wave, £650 will be deposited in the bank accounts of individuals who qualify. The payments are tax-free. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"fc32f91f-9f6a-413e-bb01-08a579346b4d\" data-edition=\"us\" data-description=\"\u003Cp\u003EAnyone on means-tested benefits should automatically receive the £650 payment. This includes:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EUniversal Credit\u003C\u002Fli\u003E\u003Cli\u003EIncome-based Jobseekers Allowance (JSA)\u003C\u002Fli\u003E\u003Cli\u003EIncome-related Employment and Support Allowance (ESA)\u003C\u002Fli\u003E\u003Cli\u003EIncome Support\u003C\u002Fli\u003E\u003Cli\u003EWorking Tax Credit\u003C\u002Fli\u003E\u003Cli\u003EChild Tax Credit&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EPension Credit\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Who is eligible?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Ch3\u003EThe first cost of living payment\u003Cbr\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThe first payment of £326 is beginning to appear -- both clear and pending -- in bank accounts now, automatically. You should see it by July 31, but contact \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Ffind-local-council\" target=\"_blank\"\u003Eyour local council\u003C\u002Fa\u003E for assistance if you don't. You will see the payment made on your bank account under the reference DWP Cost of Living. \u003C\u002Fp\u003E\u003Cp\u003EHowever, if you \u003Cstrong\u003Eonly\u003C\u002Fstrong\u003E receive \u003Cstrong\u003Etax credits\u003C\u002Fstrong\u003E, the schedule is different. The first payment will be made in autumn, followed by another around Christmas, but the dates are yet to be made public. \u003C\u002Fp\u003E\u003Ch3\u003E A second payment is coming  \u003C\u002Fh3\u003E\u003Cp\u003EThe second payment of £324 will be due in autumn, although there is no definite date yet when it will land.  \u003C\u002Fp\u003E\u003Ch3\u003EEnergy bill grants\u003C\u002Fh3\u003E\u003Cp\u003EInitially, the former UK Chancellor Rishi Sunak offered the public a \"discount\" of £200 off their energy bills this year. However, the scheme was widely condemned as a \"loan-not-loan\" that you could not opt-out of and would have to pay back at £40 per year -- even if you didn't receive it. \u003C\u002Fp\u003E\u003Cp\u003ENow, every household in England, Scotland, and Wales will be part of the \"\u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fgovernment\u002Fnews\u002Fenergy-bills-support-scheme-explainer\" target=\"_blank\"\u003EEnergy Bills Support Scheme\u003C\u002Fa\u003E\". Unlike the cost of living payments, this won't be landing in your bank account. Instead, £400 of credit will be added directly to your energy provider account. As a bonus, however, you won't have to pay this one back. \u003C\u002Fp\u003E\u003Cp\u003EYou don't need to apply for this grant, and it's expected to appear on your account in autumn. If you are on a pre-payment meter, you will likely receive a voucher instead, although the details are still being debated. \u003C\u002Fp\u003E\u003Cp\u003ERenters are also complicated. If you pay your landlord for energy use, for example, you won't necessarily benefit. There are also cases when individual energy meters are installed in houses of multiple occupancy (HMOs) -- and there is no word, as of yet, how these challenges will be dealt with. \u003C\u002Fp\u003E\u003Ch3\u003EWinter fuel payments\u003C\u002Fh3\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fwinter-fuel-payment\" target=\"_blank\"\u003EWinter Fuel Payments\u003C\u002Fa\u003E were introduced to help pensioners and a smaller group of people on fixed incomes deal with the extra cost of heating their homes during the colder months. \u003C\u002Fp\u003E\u003Cp\u003EUsually, you have to have been born on or before September 25, 1956, to apply. \u003C\u002Fp\u003E\u003Cp\u003EThe government says a further £300 may be offered to pensioners from autumn as a one-off payment. The winter fuel discount scheme typically ranges from £250 to £600, depending on eligibility. \u003C\u002Fp\u003E\u003Cp\u003EIf you receive the state pension, the payment is made automatically. Alternatively, you need to make \u003Ca href=\"https:\u002F\u002Fwww.gov.uk\u002Fwinter-fuel-payment\u002Fhow-to-claim\" target=\"_blank\"\u003Ea claim\u003C\u002Fa\u003E if you think you have a case for additional help.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ccb8487d-5aef-4d3d-aa19-23bbc8836a54\" data-edition=\"us\" data-description=\"\u003Cp\u003EYes. To receive the £650 sum, you have to have claimed for and received Universal Credit for an assessment period that ended between April 26 and May 25. Claimants of income-based JSA, income-related ESA, Income Support, or Pension Credit are also limited to the period of April 26 to&nbsp;May 25.\u003C\u002Fp\u003E\" data-hed=\"Is there a catch?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"71053725-1443-43af-93ad-f1a2623ed82b\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you are overdrawn when the cost of living payments come in, you have the chance to ask your bank to pay particular bills before paying off the overdraft you owe to them. This is known as the first right of appropriation.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo make a request, use this \u003Ca href="https:\u002F\u002Fwww.nationaldebtline.org\u002Fsample-letters\u002Fask-your-bank-pay-particular-bills\u002F" target="_blank"\u003Eexample letter\u003C\u002Fa\u003E.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What if I have an overdraft?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"892c1500-bfbb-43a0-8ca2-67bd687d046f\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith the UK government occupied with leadership changes and debate spats, further announcements concerning help in the near future are unlikely.\u003C\u002Fp\u003E\u003Cp\u003EThe Competition and Markets Authority (CMA) is \u003Ca href="https:\u002F\u002Fwww.theguardian.com\u002Fmoney\u002F2022\u002Fjul\u002F08\u002Fpetrol-prices-uk-watchdog-raises-concerns-over-refinery-margins" target="_blank"\u003Einvestigating\u003C\u002Fa\u003E the record prices of fuel in the UK, which continue to climb despite a cut in fuel duty. The watchdog will be analyzing whether or not the savings are being passed to drivers at the pumps.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhen it comes to energy, financial expert Martin Lewis \u003Ca href="https:\u002F\u002Fwww.theguardian.com\u002Fmoney\u002F2022\u002Fjul\u002F19\u002Fmartin-lewis-warns-next-uk-prime-minister-of-financial-cataclysm" target="_blank"\u003Ehas warned\u003C\u002Fa\u003E the next hike in the energy savings cap could be considered a "national financial cataclysm" for the next PM to tackle. £400 is a start but when estimates suggest consumers will be paying thousands of pounds more over the year, in real-term impact, you can understand why Lewis has suggested "warm spaces" may end up opening alongside food banks this winter.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Will there be any further help toward the cost of living?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"374797da-2c8a-4b10-931e-006cca2c8eb3\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere is an extra £150 payment for those on disability benefits that will be paid in September. Some households will qualify for a combination of the help on offer and will receive more than one type of payment.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EA further £150 rebate on council tax was paid out several months ago to properties in council tax bands A to D, although some councils may still be processing these discounts. Many local councils also have discretionary funds to help you, but you need to contact them \u003Ca href="https:\u002F\u002Fwww.gov.uk\u002Ffind-local-council" target="_blank"\u003Edirectly\u003C\u002Fa\u003E to be considered.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIf you are struggling and need help urgently, check out the resources below:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EUK government:\u003C\u002Fstrong\u003E \u003Ca href="https:\u002F\u002Fcostoflivingsupport.campaign.gov.uk\u002F" target="_blank"\u003ECost of Living support\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EEnergy customer support funds\u003C\u002Fstrong\u003E: \u003Ca href="https:\u002F\u002Fcommunity.scottishpower.co.uk\u002Ft5\u002FExtra-Help\u002FHardship-Fund\u002Fta-p\u002F53" target="_blank"\u003EScottish Power\u003C\u002Fa\u003E | \u003Ca href="https:\u002F\u002Fwww.ovoenergy.com\u002Fhelp\u002Fdebt-and-energy-assistance" target="_blank"\u003EOvo Energy\u003C\u002Fa\u003E | \u003Ca href="https:\u002F\u002Fwww.eonenergy.com\u002Fmore-for-your-home\u002Fenergy-fund.html" target="_blank"\u003EE.ON\u003C\u002Fa\u003E&nbsp;| \u003Ca href="https:\u002F\u002Fwww.edfenergy.com\u002FPSR" target="_blank"\u003EEDF\u003C\u002Fa\u003E | \u003Ca href="https:\u002F\u002Fcitizensadviceplymouth.org.uk\u002Fbulb-energy\u002F" target="_blank"\u003EBulb\u003C\u002Fa\u003E | \u003Ca href="https:\u002F\u002Foctopus.energy\u002Fblog\u002Fstruggling-to-pay\u002F" target="_blank"\u003EOctopus\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EBritish Gas Energy Trust:\u003C\u002Fstrong\u003E \u003Ca href="https:\u002F\u002Fbritishgasenergytrust.org.uk\u002Fgrants-available\u002F" target="_blank"\u003Eenergy bill grants\u003C\u002Fa\u003E available to customers and non-customers\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EStepChange\u003C\u002Fstrong\u003E: \u003Ca href="https:\u002F\u002Fwww.stepchange.org\u002F" target="_blank"\u003Edebt advice\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECitizens Advice\u003C\u002Fstrong\u003E: \u003Ca href="https:\u002F\u002Fwww.citizensadvice.org.uk\u002F" target="_blank"\u003EDebt and money matters\u003C\u002Fa\u003E, legal issues\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Is any other financial help available?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ffee019a-090d-4c43-b534-28de7a285df6\" data-edition=\"us\" data-description=\"\u003Cp\u003EFor further information on what we can expect this year and how inflation is causing chaos worldwide, check out our guides:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fuk-cost-of-living-crisis-whats-happening-why-and-what-might-help\u002F" target="_blank"\u003E\u003Cstrong\u003EUK cost-of-living crisis\u003C\u002Fstrong\u003E: What's happening, why, and what might help\u003C\u002Fa\u003E\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fcost-of-living-crisis-why-small-business-owners-are-bleak-about-the-future\u002F" target="_blank"\u003E\u003Cstrong\u003ECost of living crisis\u003C\u002Fstrong\u003E: Why small business owners are feeling bleak\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Finflation-what-it-means-for-your-wallet-and-how-it-impacts-your-life\u002F" target="_blank"\u003E\u003Cstrong\u003EInflation\u003C\u002Fstrong\u003E: What it means for your wallet and how it impacts your life\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Finflation-and-your-business-what-happens-next-and-how-to-navigate-the-storm\u002F" target="_blank"\u003E\u003Cstrong\u003EInflation and your business\u003C\u002Fstrong\u003E: What happens next and how to navigate the storm\u003C\u002Fa\u003E\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Additional resources\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"61b2fa86-25ca-4edd-8c79-0a571ebf1336\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F61b2fa86-25ca-4edd-8c79-0a571ebf1336\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-20 16:41:52",timezone:"UTC",updated:c,published:c},description:"The UK government's payments have begun to hit bank accounts, and more are expected in the coming months.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"09bc3d03-7ce0-454c-8fcc-87133ec2d014",image:{id:"c3372401-b46f-454a-8053-af26440f8b95",filename:"gettyimages-185256722-stack-of-one-pound-coins-falling-over2.jpg",dateCreated:{created:c,date:"2022-05-24 14:37:54",timezone:"UTC",updated:c,published:c},alt:"sample-image-16-9-red.jpg",credits:"ZDNet",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F24\u002Fc3372401-b46f-454a-8053-af26440f8b95\u002Fgettyimages-185256722-stack-of-one-pound-coins-falling-over2.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1193,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"how-to",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:"UK cost of living payments explained: How much, when, and who is eligible?",section:b,slug:"uk-cost-of-living-payments-explained-how-much-when-and-who-is-eligible",startYear:c,summary:b,title:"UK cost of living payments explained: How much, when, and who is eligible?",topic:{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"11d1f1d9-ec91-11e3-95d2-02911863765e",slug:"united-kingdom",name:"United Kingdom",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"79d67b90-8175-11e2-9d12-0018fe8a00b0",username:"charlieosborne",profileUrl:c,email:c,firstName:"Charlie",lastName:"Osborne",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2e4c50de-700f-4193-ab8f-046747723cf0",filename:"charlie-osborne.jpg",dateCreated:{created:c,date:"2022-08-05 15:00:38",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002F2e4c50de-700f-4193-ab8f-046747723cf0\u002Fcharlie-osborne.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Charlie Osborne is a cybersecurity journalist and photographer who writes for ZDNET and CNET from London. PGP Key: AF40821B",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"8c125b60-d34d-475a-8e49-218774bd24ce\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EHigh Rock Beach, Grand Bahama\u003C\u002Fp\u003E\" data-image-credit=\"Jason Perlow\u002FZDNet\" data-image-alt-text=\"img20220422132446-2.jpg\" data-image-filename=\"img20220422132446-2.jpg\" data-image-date-created=\"2022\u002F04\u002F26\" data-image-width=\"8192\" data-image-height=\"6144\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ENow that many countries are opening up their borders to travelers again, some of us are resuming our vacation schedules and are booking work trips. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"9df049c3-2b84-47ee-9fa6-ffa6330ae2f0\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F9df049c3-2b84-47ee-9fa6-ffa6330ae2f0\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAs the cost of living rises, so has the general price of everything from fuel to clothing, potentially making travel abroad more expensive. As every dollar counts, we shouldn't forget the additional expenses that leaving our home countries can result in: using our debit or credit cards to pay for a meal, using our current bank accounts to make a withdrawal, the commission tacked on to currency conversion rates, or hotel charges -- to name but a few. \u003C\u002Fp\u003E\u003Cp\u003EAfter sorting out your flights, hotels, and insurance, you shouldn't forget there are financial services out there that can offer better deals on spending while you're away from home. Here's what to consider:\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EWhat extra charges can I expect when I travel abroad?\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EI've just booked my first holiday in three years, and I've noted a substantial rise in the overall cost of my booking. I intend to visit two Canadian cities, and this also involves a domestic hop across the country. But hotel prices, added charges for \"premium services\" (such as plane seat choices) and car rentals are all higher than I've expected. \u003C\u002Fp\u003E\u003Cp\u003EGranted, I've chosen a busy summer period, and demand for travel might be outstripping supply. But I'd still caution vacationers to expect a higher bill across the board in comparison to the pre-pandemic prices of 2019. \u003C\u002Fp\u003E\u003Cp\u003EOn your next trip abroad, you may come across expenditures including:\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"998c5bff-76cb-44fc-bc21-8776e4c8607e\" data-edition=\"us\" data-description=\"\u003Cp\u003EYour bank may charge you for purchases outside of your home country, as well as for any services or subscriptions purchased from overseas vendors.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EWhat you can do&nbsp;\u003C\u002Fh3\u003E\u003Cp\u003EWhen a bank receives withdrawal requests or transactions issued by a foreign bank, it will often impose a service fee. You may also be charged a fee every time you make a withdrawal from a foreign ATM.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EUnless you have a bank account that specifically offers low- or no-fee features on international exchanges, you should try to avoid dipping into your home account while traveling -- and this is where credit cards come into play.\u003C\u002Fp\u003E\" data-hed=\"Bank charges\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e53359df-4970-435f-8cfd-35da8eb6b99b\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.investopedia.com\u002Fterms\u002Ff\u002Fforeign-transaction-fee.asp" target="_blank"\u003EForeign transaction\u003C\u002Fa\u003E&nbsp;(FX) fees are common charges that will appear on your card when you use it on holiday. These fees, imposed by card issuers and transaction handlers, can range from 1% to 3%.\u003C\u002Fp\u003E\u003Ch3\u003E What you can do&nbsp;\u003C\u002Fh3\u003E\u003Cp\u003EYou may want to consider applying for a credit card for travel purposes only. \u003C\u002Fp\u003E\u003Cp\u003EWhile your at-home credit card may have great benefits, this doesn't mean it will work to your benefit abroad. You will want to find a credit card that specifically offers decent rates and fee models for international use.&nbsp; \u003C\u002Fp\u003E\u003Cp\u003EOur&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-international-travel-credit-card\u002F" target="_blank"\u003Ecurrent favorite\u003C\u002Fa\u003E&nbsp;is the Chase Sapphire Preferred Card, which has no foreign transaction fee and offers points and rewards for dining, hotel booking, and travel purchases (6.24% - 23.24% Variable).&nbsp; \u003C\u002Fp\u003E\u003Cp\u003EIf you aren't sure where to start the hunt for a travel-friendly credit card, you can read our&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-travel-cards-for-beginners\u002F" target="_blank"\u003Ebeginner's guide here\u003C\u002Fa\u003E.&nbsp; \u003C\u002Fp\u003E\" data-hed=\"Credit card charges\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ad7f934d-6c94-410f-9631-d294919db3b8\" data-edition=\"us\" data-description=\"\u003Cp\u003ECurrency exchangers vary in their buy\u002Fsell rates for switching currencies and some will include a commission.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EWhat you can do&nbsp;\u003C\u002Fh3\u003E\u003Cp\u003EThe best way to avoid high exchange rates and additional fees is to change up cash at a 0% commission agency or your bank before you travel, or to use a 0% foreign transaction fee credit card as much as possible.\u003C\u002Fp\u003E\u003Cp\u003EIf you are using a card to make a purchase, always pay in the local currency rather than USD or your home (and issuer country) currency. This is because when conversions are made, payment providers and banks will often apply a small fee -- and these can add up very quickly.\u003C\u002Fp\u003E\u003Cp\u003EAvoid currency exchange kiosks in airports, hotels, and popular tourist areas. They will likely slap on high fees, commissions, and give you poor rates.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EA note on cash:\u003C\u002Fstrong\u003E&nbsp;It's always useful to have some local currency on you. If you are going to purchase some, you should submit your order at least a week or so before your trip and keep an eye out for the best rates on offer. You can also order currency online through services offered by the likes of Wells Fargo, Chase, Bank of America, and Travelex.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"High exchange rates and conversion fees\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3dbd4c0e-0771-4134-ad23-43300471543d\" data-edition=\"us\" data-description=\"\u003Cp\u003EMobile networks vary from country and country, and many major telecommunications providers, such as Orange or T-Mobile, will 'piggyback' on local networks to keep their customers connected. Unless your service package already includes international roaming, you may find that taking phone calls, sending messages, or browsing the internet results in a daily fee.\u003C\u002Fp\u003E\u003Ch3\u003EWhat you can do&nbsp;\u003C\u002Fh3\u003E\u003Cp\u003EThe best way to avoid unexpected roaming charges is to plan ahead.&nbsp;\u003Ca href="https:\u002F\u002Fwww.fcc.gov\u002Finternational-roaming" target="_blank"\u003EDomestic plans\u003C\u002Fa\u003E, in the US and beyond, do not usually cover international travel -- unless you have opted for an extra service to your existing plan.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Mobile data and roaming fees\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EAT&T:\u003C\u002Fstrong\u003E AT&T offers customers \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"e2a2c541-6222-4df2-80d8-2bd7f5a74aff\" data-raw-url=\"https:\u002F\u002Fwww.att.com\u002Finternational\u002Fday-pass\u002F\" data-link-shortcode-text=\"a day pass\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E for $10, which includes coverage in over 210 destinations and mobile internet access. If you're making calls to countries outside of the scheme's scope, however, you will still be charged per minute at a long-distance rate.  \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ET-Mobile:\u003C\u002Fstrong\u003E Magenta, ONE Plan, and Simple Choice contracts include free 2G (yes, 2G) roaming and texts in over 210 countries. Calls are $0.25 per minute. Alternatively, you can pick up an \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"3f38efb7-934d-4dff-ba7c-db3632e45726\" data-raw-url=\"https:\u002F\u002Fwww.t-mobile.com\u002Fcustomers\u002Fdata-pass\" data-link-shortcode-text=\"international pass\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E ahead of time for high-speed internet access and unlimited calls. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EVerizon\u003C\u002Fstrong\u003E: Verizon offers monthly plans for frequent fliers and \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"11b4aede-bcb1-40c9-b923-dc3039a97840\" data-raw-url=\"https:\u002F\u002Fwww.verizon.com\u002Fsupport\u002Ftravelpass-faqs\u002F\" data-link-shortcode-text=\"passes\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E for shorter trips at $5 - $10 per day. Travel passes cover over \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"2daa9b3b-7146-4b18-ae62-5b9317724088\" data-raw-url=\"https:\u002F\u002Fwww.verizon.com\u002Fplans\u002Ftravelpass-countries\u002F\" data-link-shortcode-text=\"210 countries\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E, and you can also use this international \u003Ca href=\"https:\u002F\u002Fwww.verizon.com\u002Fplans\u002Finternational\u002Finternational-travel\u002Ftrip-planner-tool\u002F\" target=\"_blank\"\u003Etrip planner\u003C\u002Fa\u003E to decide what service is best for you. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EComcast Xfinity\u003C\u002Fstrong\u003E: Xfinity supports international roaming for over 200 countries. Customers have the choice of \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"f2ecda15-18a0-438d-bdeb-9d9c960e0802\" data-raw-url=\"https:\u002F\u002Fwww.xfinity.com\u002Fmobile\u002Fmy-account\u002Finternational\" data-link-shortcode-text=\"pay-as-you-go\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E while abroad, where charges vary depending on the country, or a \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"470c7f7a-9eec-415c-b6bb-879e6c90833d\" data-raw-url=\"https:\u002F\u002Fwww.xfinity.com\u002Fmobile\u002Fsupport\u002Farticle\u002Fglobal-travel-pass\" data-link-shortcode-text=\"global travel pass\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E, which is $10\u002Fday per line in over 170 countries (or $5\u002Fday in Mexico and Canada). Make sure you contact the company to enable international roaming in either case.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003EConsider local SIM cards:\u003C\u002Fstrong\u003E If you are visiting a specific country often, it could be worth purchasing a local SIM card for making calls and surfing the internet. This way, you can top up as you need and will pay local rates rather than roaming charges -- but you will need an unlocked phone.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"38d856eb-dccb-4ed5-bc65-4a7b38122094\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you end up having an accident or illness abroad, there may be medical and hospital fees to pay. The amount owed will depend on whether or not you have insurance, a health card, and which country you are visiting.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EWhat you can do\u003C\u002Fh3\u003E\u003Cp\u003EIf you want to avoid potentially costly medical bills abroad, you need to prepare. I consider travel healthcare insurance essential. Coverage of up to millions of dollars can be purchased, including repatriation and treatment. It should be noted that domestic insurance will usually not cover trips abroad.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EUK travelers should apply for their free UK Global Health Insurance Card (\u003Ca href="https:\u002F\u002Fwww.gov.uk\u002Fglobal-health-insurance-card" target="_blank"\u003EGHIC\u003C\u002Fa\u003E) for free or subsidized healthcare in Europe, Norway, Iceland, Liechtenstein, or Switzerland.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Medical costs\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"bd61a4d8-7b0f-434e-bb57-5f6a1b284ef3\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou may have extra fees tacked on for tours and excursions. Local guides included in a booked activity may also require tips in cash.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EWhat you can do\u003C\u002Fh3\u003E\u003Cp\u003EYou aren't going to be able to escape added taxes, charges, or levies placed on tourists for popular attractions. However, to avoid any nasty surprises, you should check the terms and conditions of any tours or activities you book -- and, perhaps, venture outside of the usual tourist hotspots.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Service charges and tourist levies\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"16cf3024-187a-44c1-9bd9-09f24361a122\" data-edition=\"us\" data-description=\"\u003Cp\u003E&nbsp;If you are a single traveler, hotels, excursions, and tourist activities may charge you a subsidy for going solo when prices are based on at least double occupancy.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EWhat you can do\u003C\u002Fh3\u003E\u003Cp\u003EIt can be tricky to avoid paying single supplements, but it is not impossible. The first tip is to try and avoid companies that charge solo traveler fees. But if you can't and really want to go on the activity or tour they offer, you might be able to avoid it by booking early. Last-minute deals, too, can wipe out the supplement if the firm wants to fully book and only has a few spaces left. You might have the best luck in securing waivers off-peak.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Single travel subs and supplements\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"dd24af37-eed1-47f8-ba79-e9001bca6782\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou may be expected to pay a service charge for services at hotels, restaurants, resorts, bars, tours, sports, and excursions.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EWhat you can do\u003C\u002Fh3\u003E\u003Cp\u003E\u003Cstrong\u003ETip your waiters, bar, and service staff\u003C\u002Fstrong\u003E: Especially important in the US and in countries where servers rely on their tips rather than salaries to survive, it's important to tip if this is culturally accepted -- or expected.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIn my own travels, I've found that providing a tip on the first round, more often than not, means that the staff looks after you (and this can also mean free or discounted drinks and food). In another case, when I tipped the cleaners for my hotel room in Morocco, they were the first to help me source a particular souvenir for the local's rate, rather than the inflated, extortionate tourist price.&nbsp;\u003C\u002Fp\u003E\u003Cdiv class="shortcode shortcode--size-3 shortcode--float-none" data-shortcode="pinbox" data-uuid="aa46de76-899f-4423-83b7-a891c88392d8" data-uri="\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8" data-float="none" data-content="PINBOX" draggable="true" ondragstart="hub.app.view.control.form.shortcode.hDragstart(event)" contenteditable="false" style="font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; font-family: &quot;Helvetica Neue&quot;, Helvetica, Arial, sans-serif; font-size: 14px; width: 322px;"\u003E\u003Cbr\u003E\u003C\u002Fdiv\u003E\" data-hed=\"Tips\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"450fe85a-1001-47af-af72-0c0791e706b0\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile slowly being phased out in many countries, some might require you to take a COVID-19 test prior to travel. Make sure you check country restrictions before you fly.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"COVID-19 testing\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ff3a4fa7-7ce8-4617-b396-f46c64e4c75c\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt's far too easy while you're traveling to overspend and not realize it until you're back home and looking at your bank statement.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EWhat you can do\u003C\u002Fh3\u003E\u003Cp\u003ETo control your costs, you should consider downloading a planner or budget mobile app. These options include:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ETravelSpend:\u003C\u002Fstrong\u003E&nbsp;Keep track of your travel expenses, no internet connection required.&nbsp;\u003Ca href="https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Ftravelspend-travel-budget-app\u002Fid1434284824" target="_blank"\u003EiOS\u003C\u002Fa\u003E&nbsp;|&nbsp;\u003Ca href="https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=tech.jonas.travelbudget&amp;hl=en_US&amp;gl=US" target="_blank"\u003EAndroid\u003C\u002Fa\u003E&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EWallet:\u003C\u002Fstrong\u003E&nbsp;An overall useful app for budgeting and expenses.&nbsp;\u003Ca href="https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.droid4you.application.wallet&amp;hl=en_US&amp;gl=US" target="_blank"\u003EAndroid\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ESplitwise\u003C\u002Fstrong\u003E: Useful for groups, this app can be used to track balances, split bills, transfer payments made between friends and family, and organize who is paying for what.&nbsp;\u003Ca href="https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.Splitwise.SplitwiseMobile&amp;hl=en_US&amp;gl=US" target="_blank"\u003EAndroid\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Going over budget\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cstrong\u003ERead on: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-international-travel-credit-card\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe 5 best international travel credit cards: Globetrotter rewards\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EOther tips and tricks\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Ch3\u003E\u003Cstrong\u003EBuy travel insurance\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ETravel insurance is often the last thing we buy, but if the COVID-19 pandemic taught us anything about going abroad, the process should be: flights, hotels, then insurance. Travel insurance can cover you if you are suddenly unable to go, there is a medical emergency, or something else happens that puts your plans on hold. \u003C\u002Fp\u003E\u003Cp\u003EThis can save you from having to pay out for a new trip entirely. If you don't purchase travel insurance beforehand, this can cost you dearly.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"ff1514a1-13ee-47ab-951b-e8a02e704141\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fff1514a1-13ee-47ab-951b-e8a02e704141\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Ch3\u003E\u003Cstrong\u003EDownload digital files in advance\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you need files, music playlists, films, or games to keep you occupied, or you want to have local maps stored on your mobile device before landing, make sure you download everything you need before you leave. This can prevent you from paying extra roaming charges. \u003C\u002Fp\u003E\u003Cp\u003EOn this note, something I'm a fan of is \u003Ca href=\"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=travel.opas.client&hl=en_US&gl=US\" target=\"_blank\"\u003Edownloading\u003C\u002Fa\u003E audio walking tours before I visit a new city. These can be found for free as mobile downloads and cover thousands of popular cities and attractions. \u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EInsure personal items\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EYou should also make sure any valuable personal items you take with you have their own insurance. As I found to my detriment when I dropped my watch on an airport security check conveyer belt and smashed it, home coverage doesn't necessarily mean travel coverage for repairs or replacement.  \u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EExplore airport parking options\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EAirport parking can cost you an arm and a leg, especially if you book on the day. Even booking on the morning of a trip can save you money, and the earlier, the better. It can also be worth exploring other options if airport parking is obscenely expensive, such as renting a driveway or parking space nearby through apps including \u003Ca href=\"https:\u002F\u002Fwww.justpark.com\u002F\" target=\"_blank\"\u003EJustPark.\u003C\u002Fa\u003E \u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EBe flexible on travel dates\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIn the UK, at least, there is chaos at passport control, as many of the employees who were made redundant during the pandemic have not been replaced. During the summer, you may expect similar disruption at some major airports. If you can, it's worth traveling at \"off-peak\" times and dates. Not only will you likely spare yourself the stress of this disruption, but flights will be cheaper. \u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003ESave on flights and hotel bookings\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EBefore you book directly with a hotel, run your preferred flights and hotel dates through Google, \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"ab01dc22-8d0e-4493-b0d4-c168584526a5\" data-raw-url=\"https:\u002F\u002Fwww.cheapflights.com\u002F\" data-link-shortcode-text=\"Cheapflights\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E, \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"71751e6e-14b3-42b9-803f-e4a8bfafc4f3\" data-raw-url=\"https:\u002F\u002Fwww.skyscanner.com\u002F\" data-link-shortcode-text=\"Skyscanner\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E, \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"8010b849-2970-4d6c-ac3e-c9914cab874f\" data-raw-url=\"https:\u002F\u002Fwww.trivago.com\u002F\" data-link-shortcode-text=\"Trivago\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E, and similar services. You can often find third-party sites with discounts. However, a word of warning: type the name of your third-party site and \"reviews\" into Google first, as some travel companies have poor service records and could end up disrupting your travel plans.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003ECheck frequent customer points\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EDon't forget to check your points and air miles. You might be able to slash the price of your next flight, upgrade, or more for free.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ERead on: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-airline-credit-card\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe 6 best airline credit cards: Earn travel points\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EEat street food\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EYou don't always need to eat in restaurants on a trip; check out resources like TripAdvisor for tips on the best places to eat. When I've been abroad, I've often found street food either matches or rivals restaurant offerings. It's part of the experience, too.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EWatch out for scams\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you're visiting a new area, make sure you conduct some research on the common scams against tourists. Some of the ones you may encounter include: \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ESomeone draping a snake or bird on you, allowing you to take a photo, and then demanding money (the same goes for \"friendship\" bracelets and forcing you to wear items)\u003C\u002Fli\u003E\u003Cli\u003EDemands for payment in return for directions\u003C\u002Fli\u003E\u003Cli\u003EFake cops, law enforcement who require \"bribes\"\u003C\u002Fli\u003E\u003Cli\u003ETransport overcharging or failing to give you back the correct change. Stay wary of \"broken\" meters.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-05-31 20:52:00",timezone:"UTC",updated:c,published:c},description:"Relying on cash and your domestic bank accounts can cost you more while you're on vacation.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"1380b20d-5c88-4511-9f81-64cdb7d6e260",image:{id:"8c125b60-d34d-475a-8e49-218774bd24ce",filename:"img20220422132446-2.jpg",dateCreated:{created:c,date:"2022-04-26 21:14:43",timezone:"UTC",updated:c,published:c},alt:"img20220422132446-2.jpg",credits:"Jason Perlow\u002FZDNet",caption:"\u003Cp\u003EHigh Rock Beach, Grand Bahama\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F04\u002F26\u002F8c125b60-d34d-475a-8e49-218774bd24ce\u002Fimg20220422132446-2.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8192,height:6144,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"how-to",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-to-save-money-when-traveling-abroad",startYear:c,summary:b,title:"How to save money when traveling abroad",topic:{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"923a7f65-24bc-4f58-89f4-3fbdc9502670",slug:"international",name:"International",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EFor some, a credit score is enough to keep them tossing and turning at night. But what if you don't have to worry about it? What if there's someone -- or something -- that can keep an eye on your score for you, perhaps improve it, even as you sleep tight at night? It is a tempting proposition. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ERegardless of your credit score, \u003Ca href=\"https:\u002F\u002Fwww.creditkarma.com\u002F\" target=\"_blank\"\u003ECredit Karma\u003C\u002Fa\u003E can help you improve your credit and even help you find the right credit card for your credit score. Here's what you need to know about Credit Karma. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"29943885-c3df-4802-a43b-89990a98026b\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit Karma is a service that helps you track your&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fwhat-is-my-credit-score-this-is-why-they-exist-and-why-you-need-to-build-it\u002F"\u003Ecredit score\u003C\u002Fa\u003E. Whether your score increases or decreases, Credit Karma will help keep you in the know. It also offers specially curated offers based on your specific qualifications to help you find the right credit cards for your financial situation.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is Credit Karma?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"206d851b-9cd7-42d7-a706-947b2a9a7be0\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit Karma works two ways: providing updated credit scores and helping you build your credit through exclusive credit card offers.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe service works with two of the three major credit reporting agencies, Equifax and TransUnion, so that you can be sure that you are receiving the latest information about your credit record. Unlike some of the other credit sites, Credit Karma provides actual credit scores instead of just providing an estimate. It uses your Social Security number to dig deep into the credit bureaus for any sign of change in your credit status. As your credit changes, you can log in and watch your progress.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How does Credit Karma work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9d3d376f-9ca8-403c-a56d-b99725265f11\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are several reasons why your Credit Karma credit score may differ from the one you see on other services.\u003C\u002Fp\u003E\u003Ch3\u003EThere is a delay in reporting\u003C\u002Fh3\u003E\u003Cp\u003ECredit scores may update at different times, so your credit report could experience a lag based on when creditors report your payments. There are also some lenders that only report to select credit bureaus instead of to all three. Some creditors may report faster than others, causing your credit score to change in response, even if it is only temporary.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EThe credit scoring model varies\u003C\u002Fh3\u003E\u003Cp\u003EDifferent credit reporting agencies may utilize separate scoring models, affecting how your credit score is calculated. It is one reason why credit scores can vary so significantly. One model may prioritize some facets of your credit more than others, such as late payments or your debt-to-income ratio.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFor its part, Credit Karma does not use the popular FICO® score for your credit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EInstead, it uses the Vantage 3.0 credit score that is based upon TransUnion and Equifax reporting.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EIt is a mistake&nbsp;\u003C\u002Fh3\u003E\u003Cp\u003EMost credit scores you see on Credit Karma reflect the latest available information provided by credit bureaus. However, sometimes mistakes happen, and they can negatively impact your credit report. That is why it is so important to monitor your credit report, so you know if there are any inaccuracies that need fixing.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo help, Credit Karma offers its&nbsp;\u003Ca href="https:\u002F\u002Fwww.creditkarma.com\u002Fadvice\u002Fi\u002Fcredit-karma-direct-dispute"\u003EDirect Dispute tool\u003C\u002Fa\u003E&nbsp;so you can make an easy appeal to removal inaccurate information.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Why is my credit score different on Credit Karma?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"90a09c5b-1fd6-4e0b-8f36-f6752f2880ce\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn short, no.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo calculate your score, Credit Karma uses a soft check to pull your current credit score, giving you the most current information available. Unlike a hard credit check, a soft check does not affect your credit, leaving your credit report unchanged by Credit Karma, no matter how many times you&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fhow-to-check-your-credit-score\u002F"\u003Echeck your score\u003C\u002Fa\u003E. When you log in to check your score, a soft credit inquiry occurs. Because it is a general inquiry and not specific to one application, it is considered a soft credit check and does not impact your score. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"Does Credit Karma affect my credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"52b0e6d1-f528-4325-920f-c74897023446\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit Karma is a&nbsp;\u003Ca href="https:\u002F\u002Fsupport.creditkarma.com\u002Fs\u002Farticle\u002FIs-Credit-Karma-really-free-US"\u003Efree service\u003C\u002Fa\u003E&nbsp;that costs nothing to join. At no point are you asked for your credit card or banking information, keeping your payment details safe from the service.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How much does Credit Karma cost?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2da835a5-7bd5-4bcf-ac2e-e0b508a55d04\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit Karma can be a massively helpful tool in building and maintaining your credit. It is an easy way to monitor your credit score without dinging your credit or causing any damage to your credit report. Even better, it costs nothing to join or check your credit score. Plus, if you experience any trouble with your credit report, the service is ready and waiting to get an in-depth look at your credit or to help you file a dispute.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAll said, Credit Karma will not affect your credit score, but it will help you improve it. It could very well be the perfect solution to your financial needs.&nbsp; &nbsp;\u003C\u002Fp\u003E\" data-hed=\"Bottom line\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-08 12:00:09",timezone:"UTC",updated:c,published:c},description:"Credit Karma can help you monitor your credit without impacting your score.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"77cfe9e7-fcf4-430d-8a29-505bb3275ce1",image:{id:"826c33a4-9994-464d-90c1-c0b50c8e8d53",filename:"carrying-massive-key.jpg",dateCreated:{created:c,date:"2022-06-04 03:22:50",timezone:"UTC",updated:c,published:c},alt:"Does Credit Karma Affect Your Credit?",credits:"https:\u002F\u002Fwww.creditkarma.ca\u002F",caption:"\u003Cp\u003EZDNet answers the question: Does Credit Karma affect your credit?\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F04\u002F826c33a4-9994-464d-90c1-c0b50c8e8d53\u002Fcarrying-massive-key.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1296,height:729,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:"Does Credit Karma affect your credit score? The answer may surprise you.",section:b,slug:"does-credit-karma-affect-your-credit-score",startYear:c,summary:b,title:"Does Credit Karma affect your credit score?",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9d1d8859-7c82-49cc-835f-482b74812c91",username:"SeanJackson01",profileUrl:c,email:c,firstName:"Sean",lastName:"Jackson",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d459f4c3-79dc-4419-bb4b-5dfdb210aa2a",filename:"sean-jackson-author.jpg",dateCreated:{created:c,date:"2021-06-30 15:34:33",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F30\u002Fd459f4c3-79dc-4419-bb4b-5dfdb210aa2a\u002Fsean-jackson-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Sean Jackson is a creative copywriter living in Florida. He's had work published with CNET, Realtor.com, theScore, ESPN, and the San Francisco Chronicle. In his free time, Sean likes to play drums, fail miserably at improv, spend time at the beach, and volunteer at the Jacksonville Humane Society.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ECarrying credit card debt is an American tradition. The average household credit card debt is \u003Ca href=\"https:\u002F\u002Fwallethub.com\u002Fedu\u002Fcc\u002Fcredit-card-debt-study\u002F24400\" target=\"_blank\"\u003E$8,590\u003C\u002Fa\u003E as of the fourth quarter of 2021, with an interest rate of around \u003Ca href=\"https:\u002F\u002Flanterncredit.com\u002Fcredit-cards\u002Faverage-credit-card-interest-rate\" target=\"_blank\"\u003E14.51%\u003C\u002Fa\u003E. And, if you have cards with higher interest rates, it makes it more difficult to pay down the balance. \u003C\u002Fp\u003E\u003Cp\u003EIf you feel stuck in this cycle, there are ways out. Here are some options to consolidate your credit card debt and pay off your balances.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"37f18cab-2b74-4e73-a101-b1904e449a54\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you have a good credit history (your score is above 680), you might qualify for a credit card with a&nbsp;generous introductory period. Some card issuers allow you to pay no interest on balances transferred for the first 12 to 18 months. During this time, you can pay down or off your balances, which&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fhow-to-save-money-with-a-balance-transfer\u002F" target="_blank"\u003Esaves you money\u003C\u002Fa\u003E&nbsp;in interest charges over the life of the debt.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fthe-best-balance-transfer-card-2022\u002F" target="_blank"\u003EThe best balance transfer cards\u003C\u002Fa\u003E&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EHow it works:\u003C\u002Fstrong\u003E When you sign up, you notify the card issuer of any balances you want to transfer to them. You'll need basic information, such as your account number, balance owed, and the mailing address of the credit card company. Upon approval, the card provider issues a check to pay off the credit card balance with your old provider. Then, you'll make payments at 0% interest for that introductory period. If you do not pay off the balance in that time, you'll pay interest until you pay off the debt.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EYou'll gain a 0% introductory rate\u003C\u002Fli\u003E\u003Cli\u003EYou'll save money on interest charges over the life of the debt and could pay it off quicker\u003C\u002Fli\u003E\u003Cli\u003EYou consolidate multiple payments into one\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ESome issuers charge a balance transfer fee (3% to 5% of the balance transferred)\u003C\u002Fli\u003E\u003Cli\u003EYou have a narrow window of opportunity to pay it off\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Use a balance transfer credit card\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5994a543-1a2d-4198-9267-cbaa5ece6b14\" data-edition=\"us\" data-description=\"\u003Cp\u003EA home equity loan allows you to borrow from the equity in your home to pay off debt. It is a wise option because they typically carry lower interest rates than personal loans (these are secured loans, since you're using the equity in your home as the collateral). The only downside is that if you default on a home equity loan, your bank could take your house.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EHow it works: \u003C\u002Fstrong\u003EA home equity loan allows you to borrow a lump sum. You can use this money to pay off your old credit card debt, and then you'll pay off the home equity loan in fixed installments, similar to how auto loans work.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002F5-ways-to-improve-your-credit-score-without-a-credit-card\u002F" target="_blank"\u003E5 ways to improve your credit score without a credit card\u003C\u002Fa\u003E&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThere's also a home equity line of credit (HELOC) you could choose. These are similar to credit cards in that you have a credit line you can borrow. You can use as much of it as needed to pay down credit cards. And as you pay that down, you have more access to your credit limit. If the ultimate goal is paying off debt, the home equity loan is a wiser choice. You borrow what you need and have fixed payments until you pay off the debt.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EThe interest rate can be lower than a personal loan\u003C\u002Fli\u003E\u003Cli\u003EYou have fixed monthly payments with a home equity loan\u003C\u002Fli\u003E\u003Cli\u003EA HELOC gives you the flexibility to borrow from your credit line as needed\u003C\u002Fli\u003E\u003Cli\u003EYou might qualify for a longer repayment period\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EIt's a more involved process than a personal loan in that you need equity in your home (at least 15%-20%) and an appraisal done\u003C\u002Fli\u003E\u003Cli\u003EIf you default on your loan, you could lose your home\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Pay off debt with equity in your home\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8ba40c46-dc8d-4b08-bbfc-7fdaafa40e11\" data-edition=\"us\" data-description=\"\u003Cp\u003EAnother option involves consolidating your credit card debt into a personal loan. If you have great credit, you could qualify for a lower interest rate than you're currently paying on your credit cards.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIt allows you to pay your balance down at a faster pace, since you don't have to contend with a higher interest rate. And it makes it easier for you to pay off debt, as you only have one payment instead of multiple.\u003C\u002Fp\u003E\u003Cp\u003EMoreover, some online lenders allow you to see if you qualify with a soft pull on your credit score. It means a hard inquiry won't appear on your credit report.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAnd credit unions are a wise option to consider because they keep their interest rates low for their members. It's even smarter if you have an established relationship with one.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EYou could qualify for lower interest rates\u003C\u002Fli\u003E\u003Cli\u003ESome lenders send payments directly to credit card companies on your behalf\u003C\u002Fli\u003E\u003Cli\u003EYour payments are more manageable since you only have one\u003C\u002Fli\u003E\u003Cli\u003EA fixed payment allows for easier budgeting\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ESome lenders assess an origination fee to consolidate -- this can equate to 3% to 5% of the debt owed\u003C\u002Fli\u003E\u003Cli\u003EYour credit score could drop if your old credit card provider closes your account\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Roll your credit card debt into a personal loan\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6d024ec3-3653-419f-9c63-c69280330bae\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou can consolidate your credit card debt through a personal loan, credit cards with a 0% introductory offer, or a home equity loan. Before you explore any option, review your credit reports. You can receive a free one from each bureau annually at&nbsp;\u003Ca href="https:\u002F\u002Fwww.annualcreditreport.com\u002Findex.action" target="_blank"\u003Eannualcreditreport.com\u003C\u002Fa\u003E. Doing this allows you to see where you stand, make improvements if needed, and contest any items that shouldn't be on there. Since prospective lenders use this information to gauge risk, knowing where you stand helps you be realistic about your options.\u003C\u002Fp\u003E\u003Cp\u003EIf you're a homeowner with a lower credit score, a home equity loan might be a wiser option. You might qualify for lower interest rates than you would with a personal loan. And since it's a secured loan, your bank might feel more comfortable approving you.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-unsecured-credit-card\u002F" target="_blank"\u003EThe best unsecured credit cards: Bad credit? No worries\u003C\u002Fa\u003E&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EMeanwhile, if you have an excellent score, it opens more doors. You can explore credit cards with low introductory rates or personal lenders.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAlong with checking your credit, make an inventory of all the debts you want to consolidate. Gather the latest statements from each and receive payoff quotes. It allows you to see how much you need to borrow.\u003C\u002Fp\u003E\" data-hed=\"How do I consolidate my credit card debt?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3fc9c3bf-1943-4d2c-b473-8024760436b8\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you have been making payments on your credit card balances but haven't had much success with paying them down, consolidating them could be a wise choice.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Is consolidating my credit card debt right for me?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9378529f-d9ad-4caa-a3ee-aeab7f858300\" data-edition=\"us\" data-description=\"\u003Cp\u003EExamine how much credit card debt you have and make realistic goals on how long it would take you to pay it off. If you think you could do it within the next 12 to 18 months, a credit card with a 0% introductory rate can help you pay off your balances for less. Conversely, a personal loan works best if it will take several years to pay off the balances.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Which option is the best fit for me?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"97639d1c-4f7c-4af3-84e8-6245ba06bd22\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're a homeowner with equity in your home, you might be able to do a home equity loan. However, if you're not and struggle to keep up with payments, a debt management plan might be the next option.&nbsp;Often, you'll work with a consumer credit counselor, who'll negotiate on your behalf with your creditors to set up monthly payments. In some cases, they might be able to reduce the interest rate and eliminate late fees. It allows you a repayment plan that fits your budget, and it can get you out of the high-interest, minimum payment cycle.\u003C\u002Fp\u003E\" data-hed=\"How do I consolidate my credit card debt with a lower credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-28 15:48:00",timezone:"UTC",updated:c,published:c},description:"Consolidating your debt can help you quickly pay off your balances and save money.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"4d4a4540-6a4d-41e2-9763-01562570b2f9",image:{id:"9f706d59-827a-4adb-9059-dc245b9ddf35",filename:"pc-problem.jpg",dateCreated:{created:c,date:"2019-03-26 11:56:59",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Getty Images\u002FiStockphoto",caption:"\u003Cp\u003EFrustrated woman using laptop, worried about problem, reading bad news online, looking at computer screen, receiving email with debt notification or negative message, feeling depressed\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2019\u002F03\u002F26\u002F9f706d59-827a-4adb-9059-dc245b9ddf35\u002Fpc-problem.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:770,height:513,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-to-consolidate-your-credit-card-debt",startYear:c,summary:b,title:"How to consolidate your credit card debt",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"f38a6ae7-332c-4e4c-b0ec-ea2601e1d71f",username:"Erin Gobler",profileUrl:c,email:c,firstName:"Erin",lastName:"Gobler",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"5273e8dd-f1f4-4e81-97ce-565a5a1c9ad3",filename:"erin-gobler-author.jpg",dateCreated:{created:c,date:"2021-06-30 15:31:56",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F30\u002F5273e8dd-f1f4-4e81-97ce-565a5a1c9ad3\u002Ferin-gobler-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Erin Gobler is a personal finance writer based in Madison, Wisconsin. She writes about topics including budgeting, student loans, credit, mortgages, investing, and insurance. Her work has been published in financial publications and startups such as The Simple Dollar, LendingTree, Robinhood, and more.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EAs you're growing a business, having a credit card can help you manage your cash flow, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-a-business-line-of-credit-and-how-does-it-work\u002F\" target=\"_blank\"\u003Ebuild your business credit\u003C\u002Fa\u003E, access special credit card rewards, and more.\u003C\u002Fp\u003E\u003Cp\u003EWhen you choose a credit card for your business, you might be wondering which type of card is best for you: a small business credit card or a corporate credit card? While the two have some similarities, they offer different perks and features and are designed for different types of businesses.\u003C\u002Fp\u003E\u003Cp\u003EKeep reading to learn what small business and corporate credit cards are, how they differ, and how to decide which is right for you.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6f78c016-968c-4a6e-8de2-635052e52516\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-apply-for-a-business-credit-card\u002F" target="_blank"\u003EA business credit card\u003C\u002Fa\u003E&nbsp;is one that allows businesses of all sizes to manage their spending. Business credit cards can be used by entrepreneurs with no employees or large companies with many employees and high revenue.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBusiness credit cards have a simple qualification process that usually requires the business owners to provide a personal guarantee, meaning accepting liability for the company's debt on the credit card. Many business credit cards allow companies to add employees as authorized users, as well as set spending limits and track their employee purchases.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EBetter credit card rewards\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EAvailable to businesses of all sizes\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo or low annual fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EPersonal liability for business expenses\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EFewer reporting features\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"What is a small business credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ff5740a5-329a-478e-8b93-abcf069edef4\" data-edition=\"us\" data-description=\"\u003Cp\u003EA corporate credit card is one that is held by a corporation or eligible limited liability company (LLC). These cards are designed for large companies that have millions of dollars in annual revenue, high annual spending, and at least several employees. Corporate credit cards allow companies to grant many employee cards and allow the company to track expenses and easily set spending limits for their employees.\u003C\u002Fp\u003E\u003Cp\u003ECorporate credit cards are tied to the finances of the company. To qualify for these cards, you'll need to prove that your business is creditworthy. You'll likely to be required to share financial statements to prove revenue, spending, and ability to pay.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EReduced personal risk\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EBetter reporting features\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENo effect on personal credit\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ELower rewards than small business cards\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EHigher annual fees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELimited to businesses with millions of dollars in revenue\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"What is a corporate credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b0a8e2ac-422f-4308-86c9-7353838e7df1\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are several critical differences between small business credit cards and corporate credit cards:\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003ELiability\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EWith a small business credit card, the company's owner is often directly liable for credit card debt. That means that if the company goes out of business or can't pay its debts, the business owner is responsible.\u003C\u002Fp\u003E\u003Cp\u003EBut in the case of a corporate credit card, the business is responsible for its debts. The business owner isn't personally liable.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EEligibility\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ESmall business credit cards are widely available. Anyone with a business of any size can apply, and as long as your personal credit is sufficient to qualify, then you can open a credit card.\u003C\u002Fp\u003E\u003Cp\u003ECorporate credit cards, on the other hand, have stricter eligibility requirements. In most cases, card issuers require that companies have at least $4 million in revenue to qualify. Some issuers may also require a certain amount of annual spending or a certain number of employees.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003ECost\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ESome small business credit cards charge an annual fee, but many are entirely free to use. Even those that do charge fees are usually limited to less than $100. On the other hand, corporate credit cards tend to charge higher fees because of the additional features they offer.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003ECredit impact\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EWhen you apply for a small business credit card, as the business owner, the credit card issuer is likely to run your credit to determine if you qualify for the card. Additionally, in many cases, the card issuer will report your business credit card activity to the credit bureaus, which means your company's spending can impact your personal credit.\u003C\u002Fp\u003E\u003Cp\u003EWhen you apply for a corporate credit card, the card issuer will rely on your company's creditworthiness to determine if you qualify for the card. And rather than reporting your spending to your personal credit, they'll report it to your business credit.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EReporting\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EMany small business credit cards come with reporting features that allow business owners to track their spending and their employees' spending easily. But these features are even more robust with corporate credit cards.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003ERewards\u003C\u002Fstrong\u003E&nbsp;\u003C\u002Fh3\u003E\u003Cp\u003EMany small business credit cards come with similar cashback and travel rewards to what you would find on personal credit cards. These rewards allow business owners to gain extra money and perks on spending they're already doing. Corporate credit cards tend to have fewer rewards.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Small business vs. corporate credit card: What's the difference?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ff4c89d2-cf7f-43d6-a8a7-29f35e2581b5\" data-edition=\"us\" data-description=\"\u003Cp\u003EA corporate card can be extremely beneficial if you own a large business with millions of dollars in revenue and many employees. It reduces your personal risk, makes it easy to manage employee spending, and more.\u003C\u002Fp\u003E\u003Cp\u003EThat being said, corporate credit cards aren't right for all businesses. Credit card issuers generally require that companies have millions of dollars in revenue before they're even eligible for a corporate card. Additionally, the perks of corporate credit cards are offset by some disadvantages, such as higher fees and lower rewards-earning potential.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIf your business has lower revenue than is generally required, only a few employees, or takes advantage of the rewards on your current small business credit card, then a corporate card may not be right for you.\u003C\u002Fp\u003E\" data-hed=\"Should you get a small business credit card or a corporate credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ff2be8e8-7183-4463-8490-bed5cb07782a\" data-edition=\"us\" data-description=\"\u003Cp\u003ENo, a corporate credit card won't affect your credit score in the same way that a small business credit card might. This is because the business, not the individual, is liable for the debt.\u003C\u002Fp\u003E\" data-hed=\"Does a corporate credit card affect your personal credit score?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"41853814-a6c6-4476-bde7-704884052930\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo qualify for a corporate credit card, your business must be both legally and financially established. They are often only open to businesses with millions of dollars in revenue and satisfactory business credit history.\u003C\u002Fp\u003E\" data-hed=\"How do you qualify for a corporate credit card?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b6d6154f-8254-42fd-9930-e16778bfc6e9\" data-edition=\"us\" data-description=\"\u003Cp\u003ESmall businesses have plenty of credit cards to choose from to help manage cash flow in their businesses. Visit our round-up of the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-business-credit-card\u002F" target="_blank"\u003Ebest business credit cards\u003C\u002Fa\u003E&nbsp;available now to help&nbsp;choose the right one for you.\u003C\u002Fp\u003E\" data-hed=\"What is the best small business credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cbr\u003E\u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-09-16 15:51:00",timezone:"UTC",updated:c,published:c},description:"Keep reading to learn what small business and corporate credit cards are, how they differ, and how to decide which is right for you.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"4b1ad198-6635-4b80-ab36-a7c3a14218d7",image:{id:"3fbac9b1-2384-4b31-ade0-fd50fdc6c625",filename:"corperate-credit-card.jpg",dateCreated:{created:c,date:"2021-09-16 11:15:21",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"By Aleksandr Grechanyuk -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F16\u002F3fbac9b1-2384-4b31-ade0-fd50fdc6c625\u002Fcorperate-credit-card.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"small-business-credit-card-vs-corporate-credit-card",startYear:c,summary:b,title:"Small business credit card vs. corporate credit card: Which is right for your business?",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"bf9804d6-0261-46a3-b776-3ab8f6d8d9e6",username:"Cynthia Paez Bowman",profileUrl:c,email:c,firstName:"Cynthia",lastName:"Bowman",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"5188d06b-b9c8-4a07-baae-5d2a56c8b7b7",filename:"cynthia-bowman-author.jpg",dateCreated:{created:c,date:"2021-06-10 15:24:39",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F10\u002F5188d06b-b9c8-4a07-baae-5d2a56c8b7b7\u002Fcynthia-bowman-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Cynthia Paez Bowman is a finance, real estate and international business journalist. Besides ZDNET, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women's NGOs about small business development.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ECash flow is the lifeline of a business -- and the biggest pressure point. A recent \u003Ca href=\"https:\u002F\u002Fquickbooks.intuit.com\u002Fr\u002Fgetting-paid\u002Fstate-of-payments-cash-flow-2021\u002F\" target=\"_blank\"\u003EQuickBooks survey\u003C\u002Fa\u003E of 3,500 small business owners found that 60% said cash flow was a problem for their business. Part of the reason that cash flow is such a challenge is that newer businesses don't have business credit, making it difficult to qualify for funding. And even if a business loan is possible, the process is slow, causing delays in getting vendors, employees and suppliers paid.\u003C\u002Fp\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftop-6-ways-to-build-business-credit-quickly\u002F\" target=\"_blank\"\u003EA business line of credit\u003C\u002Fa\u003E is a good alternative to a traditional loan, especially when unexpected expenses pop up. It's a hybrid between a credit card and a loan, eliminating the drawn-out underwriting process when you need capital. Small businesses can benefit from having an available line of credit.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"88da690c-8de5-477f-986a-2147a86c74a3\" data-edition=\"us\" data-description=\"\u003Cp\u003ESimilar to a credit card, a business line of credit makes funds available to your business with a credit limit. The limit can be anywhere between $1,000 and $250,000.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIt's a revolving line of credit -- you'll be able to access some or all of the credit limit as often as you need, as long as you don't exceed the limit. For example, if your lender approved your company for a business line of credit of $40,000, you can draw $25,000 and still have $15,000 left to borrow.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOnce you draw on your line of credit, you'll need to replenish it by paying back the balance in installments. You'll only pay interest on the portion you borrowed, and you can continue to borrow from the available balance while you pay off the line of credit. There are no limits to how often you draw on a business line of credit as long as you stay within the limit and make timely installment payments.\u003C\u002Fp\u003E\u003Cp\u003EOnce the line is established, you have peace of mind knowing that you have access to the funds right away. You don't have to worry about applying for a loan. Simply transfer funds from the line of credit to your business bank account or write your company a check from the line of credit account.\u003C\u002Fp\u003E\" data-hed=\"How does a business line of credit work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e7e08e9b-39a6-4b30-bfbd-43c925ebb1c2\" data-edition=\"us\" data-description=\"\u003Cp\u003EGetting a business line of credit is similar to a business loan. Before you apply, it's important to make sure your business is established. Most lenders will require that you've been in business for at least six months and can show an annual income of at least $25,000. If your business doesn't have a credit score yet, you may need to guarantee the line of credit personally.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOnce you're ready to apply, shop around for lenders offering business lines of credit. Most banks and credit unions will offer them. If you already have a business bank account, ask about a line of credit since you've already established a relationship with the financial institution. To apply, you will probably need to submit:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ETwo years of personal tax returns\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EBusiness tax returns\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ECompany profit-and-loss statements and a balance sheet\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EBusiness bank statements\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EYour personal information, such as Social Security number and identification&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How to apply for a business line of credit\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b64b37ff-86b0-42de-a671-fad06663f21d\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe bank you currently have a business account with is a good place to start. However, traditional banks are more stringent about lending, and it may be difficult for a newer business to get a business line of credit. The following lenders offer business lines of credit:\u003C\u002Fp\u003E\" data-hed=\"The best line of credit lenders\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"bde794f1-bda6-4f61-9d38-7b8868ffefb2\" data-edition=\"us\" data-description=\"\u003Cp\u003EBlueVine's lines of credit are meant to fund quickly, allowing your business to bridge a cash-flow gap. The APR starts at 4.8% but can climb significantly based on the credit line amount and company\u002Fpersonal creditworthiness. BlueVine provides as much as $250,000.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo apply, you'll need a credit score of 600 or higher and be in business for at least six months, with $10,000 in monthly revenue. Each time you draw funds, you'll need to pay them back in weekly or monthly installments over six or twelve months.\u003C\u002Fp\u003E\" data-hed=\"BlueVine\" data-imagegroup=\"{"alt":"bluevine.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: rafapress \u002F Shutterstock","imageData":{"id":"ec75e097-0f05-4fe0-ae12-bac79989a1e3","title":"bluevine","filename":"bluevine.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F10\u002Fec75e097-0f05-4fe0-ae12-bac79989a1e3\u002Fbluevine.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1147286,"width":1600,"height":1069,"dateCreated":{"date":"2021-09-10 12:39:50","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-10 12:40:03","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"By rafapress -- Shutterstock","alt":"bluevine.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"ec75e097-0f05-4fe0-ae12-bac79989a1e3","imageAltText":"bluevine.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: rafapress \u002F Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"bluevine.jpg","imageDateCreated":"2021\u002F09\u002F10","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: rafapress \u002F Shutterstock\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"BlueVine","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.bluevine.com\u002Frt02-line-of-credit\u002F","url":"https:\u002F\u002Fwww.bluevine.com\u002Frt02-line-of-credit\u002F"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c84e7e60-8bd2-45fa-8319-ae4e8de40179\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredibly is a good resource for small business owners with below-average credit. Applicants may be able to qualify for a line of credit for their business with a personal credit score of 560 or higher. In addition, lines of credit are available for as much as $250,000, but its terms may be one of the shortest at 26 weeks (six months). Rates start at 4.80% APR.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EHowever, applicants with poor credit may see a higher interest rate. You can prequalify for a Credibly business line of credit as long as your business has been running for at least six months and you have an annual income of $50,000 or more.\u003C\u002Fp\u003E\" data-hed=\"Credibly\" data-imagegroup=\"{"alt":"credibly.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: Credibly","imageData":{"id":"a4546c8d-fd61-4fe0-89e3-fc087fe916bf","title":"credibly","filename":"credibly.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F10\u002Fa4546c8d-fd61-4fe0-89e3-fc087fe916bf\u002Fcredibly.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":8574,"width":300,"height":168,"dateCreated":{"date":"2021-09-10 12:43:08","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-10 12:43:15","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"Credibly","alt":"credibly.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"a4546c8d-fd61-4fe0-89e3-fc087fe916bf","imageAltText":"credibly.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: Credibly","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"credibly.png","imageDateCreated":"2021\u002F09\u002F10","imageWidth":300,"imageHeight":168,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: Credibly\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Credibly","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.credibly.com\u002Fsmall-business-loans\u002Fline-of-credit\u002F","url":"https:\u002F\u002Fwww.credibly.com\u002Fsmall-business-loans\u002Fline-of-credit\u002F"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cf3365e3-0239-44c5-b946-abb4903c508b\" data-edition=\"us\" data-description=\"\u003Cp\u003EOnDeck is an online lender providing business lines of credit of $6,000 to $100,000 to small business owners. Its biggest selling point is fast funding; OnDeck promises to fund you in seconds, even on nights or weekends.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EHowever, the speed and convenience of an OnDeck business line of credit comes at a cost: the APR starts at 35.9%, depending on your creditworthiness and company financials.\u003C\u002Fp\u003E\" data-hed=\"OnDeck\" data-imagegroup=\"{"alt":"ondeck.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: OnDeck","imageData":{"id":"54aa6842-0b15-46d6-9d52-21d5e14e7ca7","title":"ondeck","filename":"ondeck.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F10\u002F54aa6842-0b15-46d6-9d52-21d5e14e7ca7\u002Fondeck.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1679081,"width":1600,"height":1069,"dateCreated":{"date":"2021-09-10 12:47:11","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-10 12:47:27","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"By g0d4ather -- Shutterstock","alt":"ondeck.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"54aa6842-0b15-46d6-9d52-21d5e14e7ca7","imageAltText":"ondeck.png","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: OnDeck","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ondeck.jpg","imageDateCreated":"2021\u002F09\u002F10","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: OnDeck\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"OnDeck","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.ondeck.com\u002Fbusiness-line-of-credit","url":"https:\u002F\u002Fwww.ondeck.com\u002Fbusiness-line-of-credit"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c42da144-71dd-49c7-b9c5-38826122edbe\" data-edition=\"us\" data-description=\"\u003Cp\u003EWells Fargo has two lines of credit: BusinessLine for companies older than two years, and Small Business Advantage for newer businesses. The BusinessLine awards as much as $100,000, while the Small Business Advantage line of credit has a maximum limit of $50,000 and five years of credit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ERates start at Prime Rate plus 1.75%. Wells Fargo doesn't require collateral, but you'll need to provide personal and company financials.\u003C\u002Fp\u003E\" data-hed=\"Wells Fargo\" data-imagegroup=\"{"alt":"wells-fargo.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Image: Casimiro PT \u002F Shutterstock","imageData":{"id":"a740a731-87bd-4d76-a2b8-2c9a579b8948","title":"wells-fargo","filename":"wells-fargo.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F09\u002F10\u002Fa740a731-87bd-4d76-a2b8-2c9a579b8948\u002Fwells-fargo.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1166295,"width":1600,"height":1069,"dateCreated":{"date":"2021-09-10 12:49:56","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-09-10 12:50:08","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"By Casimiro PT -- Shutterstock","alt":"wells-fargo.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"a740a731-87bd-4d76-a2b8-2c9a579b8948","imageAltText":"wells-fargo.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Image: Casimiro PT \u002F Shutterstock","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"wells-fargo.jpg","imageDateCreated":"2021\u002F09\u002F10","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Image: Casimiro PT \u002F Shutterstock\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Wells Fargo","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.wellsfargo.com\u002Fbiz\u002Fbusiness-credit\u002Flines-of-credit\u002F","url":"https:\u002F\u002Fwww.wellsfargo.com\u002Fbiz\u002Fbusiness-credit\u002Flines-of-credit\u002F"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"86251828-8050-4d3b-bc9f-f0365d8133dc\" data-edition=\"us\" data-description=\"\u003Cp\u003EA business line of credit can be a great financial resource for developing and established businesses. However, there are benefits and drawbacks worth considering before you apply for one.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E:\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EYou'll only need to apply one time for funding\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EYou can draw on the revolving credit line whenever you need capital\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EIt can help build business credit\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EYou only pay interest on the outstanding balance\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ELines of credit are typically available for several years -- as long as you keep up with the payments, the credit line should be available\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E:\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EThe credit limit may be smaller than the amount you'd receive for a small business loan\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EThere is usually an annual fee\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EThe lender may cancel the line of credit or reduce it\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EInterest may be higher than a business loan\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EYou may need to provide collateral\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Business lines of credit: The pros and cons\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2147adcc-5de0-4628-af71-15f42274ac34\" data-edition=\"us\" data-description=\"\u003Cp\u003EA business loan is awarded for a set amount and has a term length that the loan must be paid back by. A business line of credit comes with a credit limit which could be accessed many times for any amount within the limit. While business loan funding happens only one time, you can draw as much as needed from your line of credit's limit.\u003C\u002Fp\u003E\" data-hed=\"What's the difference between a business line of credit and a loan?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8f8a3d81-02e2-4f1f-a6b4-49e76ad48c87\" data-edition=\"us\" data-description=\"\u003Cp\u003EMost lenders will require that your business has been operating for at least six months. Depending on the lender, you may need to provide financials showing your company has made at least $25,000 per year in income.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Can a new business get a business line of credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cbr\u003E\u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-09-10 16:32:00",timezone:"UTC",updated:c,published:c},description:"A business line of credit can ease cash flow issues, since the funds are there when you need them.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"559082dd-c757-470e-b776-2100cce24cf1",image:{id:"ec81f67d-4014-47fe-9199-a5baf282fdbe",filename:"shutterstock-1927023575.jpg",dateCreated:{created:c,date:"2021-09-10 16:13:52",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"By 4 PM production -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F10\u002Fec81f67d-4014-47fe-9199-a5baf282fdbe\u002Fshutterstock-1927023575.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"What is a business line of credit and how does it work?",section:b,slug:"what-is-a-business-line-of-credit-and-how-does-it-work",startYear:c,summary:b,title:"What is a business line of credit and how does it work?",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EYour credit score is critical to your financial wellbeing. It's the key to achieving a comfortable lifestyle and helps you in maintaining healthy borrowing power \u003Ca href=\"https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Fdoes-being-retired-affect-credit-score\u002F\" target=\"_blank\"\u003Ein retirement\u003C\u002Fa\u003E. But having a bad credit score can close out many opportunities to live a comfortable life -- and have a healthy financial future -- especially at a time when credit is king amid rising interest rates and a looming recession.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe good news is that if you have bad credit, you're not stuck with it forever. With our help, and some time, you can improve your credit score fast and with little trouble. Here's how.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c7ba21e4-6709-42be-bee9-d6a6ab40fce2\" data-edition=\"us\" data-description=\"\u003Cp\u003EBefore we can dive into how to increase one's credit score, it's important first to understand how credit scores are determined.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYour credit score consists of a three-digit value to convey your financial responsibility. It shows lenders and financial institutions how well you can make timely payments. Your credit score falls within a specific range that lets lenders know quickly what type of credit you have -- from very poor to excellent.\u003C\u002Fp\u003E\u003Cp\u003EThere are two types of credit score models:&nbsp;\u003C\u002Fp\u003E\u003Col\u003E\u003Cli\u003EFICO® score\u003C\u002Fli\u003E\u003Cli\u003EExperian® score\u003C\u002Fli\u003E\u003C\u002Fol\u003E\u003Cp\u003EThese two score types vary but slightly.\u003C\u002Fp\u003E\" data-hed=\"What is a credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5c0e0522-1eaf-43e0-b65d-5f8a1a245841\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe FICO credit scoring system is constantly revamping; the newest version is \u003Ca href="https:\u002F\u002Fwww.myfico.com\u002Fcredit-education\u002Fcredit-scores\u002Ffico-score-versions" target="_blank"\u003EFICO Score 10\u003C\u002Fa\u003E but there are two models currently being used,&nbsp;\u003Ca href="https:\u002F\u002Fwww.creditkarma.com\u002Fadvice\u002Fi\u002Fgood-fico-score-range" target="_blank"\u003EFICO Score 8\u003C\u002Fa\u003E&nbsp;and \u003Ca href="https:\u002F\u002Fwww.myfico.com\u002Fcredit-education\u002Fcredit-scores\u002Ffico-score-versions" target="_blank"\u003EFICO Score 9\u003C\u002Fa\u003E. Here's the breakdown of current FICO scores: &nbsp;\u003C\u002Fp\u003E\u003Cdiv class="table--container " data-role="table" data-rows="6" data-columns="2" data-title="6x2 Table" draggable="true" ondragstart="hub.view.control.rte.RichTextEditorTable.hDragstart(event)"\u003E\u003Cdiv class="table-wrapper"\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EType of credit\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EFICO Score\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EExceptional\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E800-850\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EVery Good\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E740-799\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EGood\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E670-739\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EFair\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E580-669\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPoor\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E300-579\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Ch3\u003E\u003Cbr\u003E\u003C\u002Fh3\u003E\" data-hed=\"What is FICO credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card-for-good-credit\u002F\" target=\"_blank\"\u003EThe 5 best credit cards for good credit\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"aa05857c-4462-466a-acbe-4f461c54d9bb\" data-edition=\"us\" data-description=\"\u003Cp\u003EExperian also offers its own credit scoring model. Under this model, credit scores are assigned a little differently. Excellent credit runs from 781 to 850, while very poor credit ranges from 300 to 499.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is Experian credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"ffc5441f-388d-4f4c-a042-64767f42e07a\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EZDNet presents the Experian credit scoring model\u003C\u002Fp\u003E\" data-image-credit=\"https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Fcredit-education\u002Fscore-basics\u002Fwhat-is-a-good-credit-score\u002F\" data-image-alt-text=\"Experian credit scoring model\" data-image-filename=\"experian-good-score-ranges-vantage-1.jpg\" data-image-date-created=\"2022\u002F05\u002F29\" data-image-width=\"1296\" data-image-height=\"729\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"25860de7-0a40-4ac3-8635-8f2a1416f696\" data-edition=\"us\" data-description=\"\u003Cp\u003EFICO credit scores are based on specific guidelines that are each weighted and contribute to an overall credit rating of 100%.&nbsp;\u003C\u002Fp\u003E\u003Cdiv class="table--container " data-role="table" data-rows="6" data-columns="2" data-title="6x2 Table" draggable="true" ondragstart="hub.view.control.rte.RichTextEditorTable.hDragstart(event)"\u003E\u003Cdiv class="table-wrapper"\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EType of rating\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPercentage\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPayment history\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E35%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECredit utilization\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E30%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ELength of credit history\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E15%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECredit mix\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E10%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENew credit\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E10%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBased on this breakdown, there are many reasons why your credit score is lower than before. These are some of the major factors that can quickly impact your credit score.&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ENo credit history or, alternatively, too much credit:&nbsp;\u003C\u002Fstrong\u003EIf you don't have a well-rounded credit history, it is difficult for lenders to assess your payment behaviors because there is no real way to determine if or how you will make payments for this debt.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EToo many new accounts:&nbsp;\u003C\u002Fstrong\u003EIf you show too many new accounts, it can mean financial instability and signify that you may not be ready to take on another financial burden.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EMissed payments:&nbsp;\u003C\u002Fstrong\u003EIt reflects poorly upon your credit if you fail to make regular, timely payments on your account.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ECredit card debt:&nbsp;\u003C\u002Fstrong\u003EIf you have a lot of outstanding debt, it can quickly lower your credit.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EBankruptcy:&nbsp;\u003C\u002Fstrong\u003EBankruptcy on your credit report is a major red flag to lenders because it shows that you were unable to pay your debt previously. It causes concern that you may have difficulties in paying this loan, as well.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"What lowers my credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5ac6fd20-b3ec-4a57-b882-96a9bf69135c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThankfully, you are not stuck with your credit score forever. Credit is a revolving machine that grows over time, constantly evolving as you spend and borrow. Today's credit score doesn't have to be the same one you have in a few months if you pay close attention to your finances and make timely payments.&nbsp; &nbsp;\u003C\u002Fp\u003E\u003Cp\u003EUsing research from FICO and CNBC, Bankrate assembled a 2022 report showing the typical time it takes to improve your credit.\u003C\u002Fp\u003E\u003Cdiv class="table--container " data-role="table" data-rows="10" data-columns="2" data-title="10x2 Table" draggable="true" ondragstart="hub.view.control.rte.RichTextEditorTable.hDragstart(event)"\u003E\u003Cdiv class="table-wrapper"\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EType of financial issue\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAverage recovery time for credit score\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EApplying for a new credit card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E3 months\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EMaxed credit card account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E3 months\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EClosing credit card account\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E3 months\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ELate mortgage payment (1-3 months)\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E9 months\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EMissed payments&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E18 months\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EHome foreclosure\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E3 years\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ELate payments\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E7 years\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EDebt collections\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EUp to 7 years\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EBankruptcy (Chapter 13)\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E7 years\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ETo best understand how long credit scores may stick around, you must first examine which events are currently plaguing your report. Once you identify the trouble spots, you can look to see how long it will take to improve them. For example, if you have a bankruptcy on your record, it could take six years or more until it is removed from your report.\u003C\u002Fp\u003E\" data-hed=\"How long does it take to increase my credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card-for-bad-credit\" target=\"_blank\"\u003EThe 5 best credit cards for bad credit\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"04c27245-4a57-473d-ac66-af5572243cf5\" data-edition=\"us\" data-description=\"\u003Cp\u003EJust because you have a poor credit score today, it does not mean that you were stuck with one forever. The beautiful part about credit is that it is constantly changing, and so is your credit score, too.\u003C\u002Fp\u003E\u003Cp\u003EInstead of fretting about today's credit score, work on improving tomorrow's instead.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EMake timely payments\u003C\u002Fstrong\u003E: Late payments can take up to seven years to drop off your credit report, depending on how long it takes for your credit issuer to sync up with the credit bureaus.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EWatch what you pay\u003C\u002Fstrong\u003E: If you can, pay more than the minimum to reduce your debt as soon as possible. However, if you cannot afford to pay more than the minimum, make sure you at least make that minimum payment so your account (and your credit score!) do not fall behind.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ENo new accounts\u003C\u002Fstrong\u003E: When you apply for a new account, it can ding your credit report and take that much longer to remove.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EDebt-to-income ratio\u003C\u002Fstrong\u003E: Consider your debt-to-income ratio and try to get your utilization score below 30%, so your credit score will increase faster.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EFor other ways to improve your credit score, check out our new \u003Cem\u003EZDNet \u003C\u002Fem\u003Eguide to&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002F5-ways-to-improve-your-credit-score-without-a-credit-card\u002F"\u003Eimproving your credit\u003C\u002Fa\u003E.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How can I improve my credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-bankruptcy-credit-card\u002F\" target=\"_blank\"\u003EBest bankruptcy credit card: Rebuild credit\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Ch2\u003EBottom line\u003Cbr\u003E\u003C\u002Fh2\u003E\u003Cp\u003EIt may take a while to remove certain large financial events from your credit report, like a bankruptcy, but acting responsibly, like making payments on time and minimizing new accounts, can help move things along. Be sure to sign up for a \u003Ca href=\"https:\u002F\u002Fwww.myfico.com\u002Fcredit-education\u002Fcredit-reports\u002Ffree-credit-reports\" target=\"_blank\"\u003Efree FICO credit report\u003C\u002Fa\u003E, such as with \u003Ca href=\"https:\u002F\u002Fwww.annualcreditreport.com\u002Findex.action\" target=\"_blank\"\u003EAnnualCreditReport.com\u003C\u002Fa\u003E, so you carefully monitor how your score changes over time. \u003C\u002Fp\u003E\u003Cp\u003EAt the end of the day, all you can do is act financially responsible and give your report time to recover. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-06-27 13:00:00",timezone:"UTC",updated:c,published:c},description:"Improving your credit score is not an overnight process, but we can help the process move that much faster.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"56160e64-7858-4671-8c54-906d02409fd0",image:{id:"8e8422cf-47db-458b-9580-b79578f1da04",filename:"istockphoto-1203955041-612x612.jpg",dateCreated:{created:c,date:"2022-05-29 21:32:53",timezone:"UTC",updated:c,published:c},alt:"How Long Does It Take For My Credit Score To Increase?",credits:"https:\u002F\u002Fwww.istockphoto.com\u002Fsearch\u002F2\u002Fimage?phrase=credit+score",caption:"\u003Cp\u003EHow Long Does It Take For My Credit Score To Increase?\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F29\u002F8e8422cf-47db-458b-9580-b79578f1da04\u002Fistockphoto-1203955041-612x612.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1296,height:729,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-long-does-it-take-for-my-credit-score-to-increase",startYear:c,summary:b,title:"How long does it take for my credit score to increase?",topic:{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ECredit cards with APRs as high as 36% can cost you a lot of money just on paying the interest, and countless many Americans are utilizing high interest rate cards with APRs in the mid- to upper-20% range. The Consumer Financial Protection Bureau (CFPB) estimates that Americans pay \u003Ca href=\"https:\u002F\u002Fwww.consumerfinance.gov\u002Fabout-us\u002Fblog\u002Famericans-pay-120-billion-in-credit-card-interest-and-fees-each-year\u002F\"\u003E$120 billion\u003C\u002Fa\u003E each year just in credit card interest and fees.\u003C\u002Fp\u003E\u003Cp\u003ESave your money by paying less on interest. Let \u003Cem\u003EZDNet\u003C\u002Fem\u003E help you find ways to avoid interest on your credit cards.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e71eb429-081b-4dc7-98b5-2d3c2f3e1da3\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit cards can be a great way to build your credit reputation. To be eligible for cards with low interest rates and fees, you first need a \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fhow-to-build-credit-fast\u002F" target="_blank"\u003Egood credit score\u003C\u002Fa\u003E. Your credit score is affected by five factors:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EPayment history:\u003C\u002Fstrong\u003E&nbsp;This is one of the most important factors because it shows lenders that you can be relied upon to repay what you borrow. According to Experian, payment history&nbsp;\u003Ca href="https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Fcredit-education\u002Fscore-basics\u002Fwhat-affects-your-credit-scores\u002F"\u003Eaccounts for 35%\u003C\u002Fa\u003E&nbsp;of your overall FICO credit score. &nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAmount due:\u003C\u002Fstrong\u003E&nbsp;Creditors will also look at your total debt to see if you can handle additional payments. &nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECredit ratio:\u003C\u002Fstrong\u003E&nbsp;It is also important to have a good debt-to-credit ratio, also known as a credit utilization ratio. This shows how much available credit you have versus how much you owe. It's wise to keep your revolving credit utilization below 30%, if possible.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECredit diversity:\u003C\u002Fstrong\u003E&nbsp;Credit diversity is also important because it shows that you can handle a variety of different loans, such as your home mortgage, car loan, student loan, or your credit card. &nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ENew credit:\u003C\u002Fstrong\u003E&nbsp;If you have too many new accounts, creditors will worry that you have overburdened yourself financially, so they may not want to extend credit.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EBe sure to regularly&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fhow-to-check-your-credit-score\u002F"\u003Echeck your credit score\u003C\u002Fa\u003E. It may take a while for your&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fhow-long-does-it-take-for-my-credit-score-to-increase\u002F"\u003Escore to increase\u003C\u002Fa\u003E, but it's worth it.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What affects your credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ba0f1087-6b64-46dc-b207-fe8326b6b56c\" data-edition=\"us\" data-description=\"\u003Cp\u003EA credit card grace period is an interest-free timeframe where you can make purchases without any interest. According to 2009's&nbsp;\u003Ca href="https:\u002F\u002Fwww.ftc.gov\u002Flegal-library\u002Fbrowse\u002Fstatutes\u002Fcredit-card-accountability-responsibility-disclosure-act-2009-credit-card-act"\u003ECredit CARD Act\u003C\u002Fa\u003E, this is a mandatory interest-free period covering a minimum of 21 days, lasting from the last day of your&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fhow-do-credit-card-billing-cycles-work\u002F"\u003Ecredit card billing cycle\u003C\u002Fa\u003E&nbsp;to the bill date. If you make your payment before your billing date, you will not pay any interest on any new and unpaid purchases and transfers.\u003C\u002Fp\u003E\u003Cp\u003EAn interest-free period can also cover the first few months of your credit card when there is a promotional offer. Before you sign up for a new credit card, compare introductory offers to see if there is one that can save you money.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a credit card grace period?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7ab53101-902f-4324-b23c-68eac5a78f22\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou can easily lower interest on your credit card -- or eliminate it altogether -- when you follow these tips:&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EPay in full\u003C\u002Fh3\u003E\u003Cp\u003EEliminate interest when you pay your monthly statement in full. Not only can a late payments add interest, but it can affect your credit score, too. When you pay off your entire balance each month, you skip the interest typically attached to purchases.\u003C\u002Fp\u003E\u003Ch3\u003ESpace out your purchases\u003C\u002Fh3\u003E\u003Cp\u003EThere's nothing like the excitement of a new card, but hold off on that shopping spree. If you take time between purchases, it is far easier to pay what you owe. If you have a big purchase to make, save it for a&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-low-interest-credit-card\u002F"\u003Elow-interest credit card\u003C\u002Fa\u003E&nbsp;so you don't stack up the interest on that big-ticket item.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003ESign up for a new card\u003C\u002Fh3\u003E\u003Cp\u003EIf you have&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card-for-good-credit\u002F"\u003Egood credit\u003C\u002Fa\u003E&nbsp;to get a new credit card, consider signing up for a card with a promotional APR. A card issuer, for example, could offer you an&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fsix-facts-you-should-know-about-0-apr-credit-cards\u002F"\u003Eintroductory 0% APR\u003C\u002Fa\u003E&nbsp;lasting more than a year, saving you money in the meantime. There are also buy now, pay later (BNPL) plans such as Affirm that allow you to make your purchases and then pay them off in smaller payments, making those larger purchases a bit more attainable.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EConsider a balance transfer credit card\u003C\u002Fh3\u003E\u003Cp\u003EA&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fthe-best-balance-transfer-card-2022\u002F"\u003Ebalance transfer credit card\u003C\u002Fa\u003E&nbsp;allows you to take all of your debt and move it to one card with a single bill. You could also use this opportunity to select a new credit card with no interest for a certain period, giving you more time to pay off your debts. Just watch out for balance transfer fees which can cut into your savings.\u003C\u002Fp\u003E\u003Ch3\u003EMake a budget\u003C\u002Fh3\u003E\u003Cp\u003EKnowing what you owe -- and when -- can help ensure that you make timely payments and that you don't overspend. Make a budget showing your monthly expenses, plus any extra items you may need to buy. It can help you stay on track with your spending, so you don't accrue interest and risk falling into debt.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How can you avoid interest on your credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"37697b16-8c49-4aad-87ac-49ca51f92887\" data-edition=\"us\" data-description=\"\u003Cp\u003EPaying interest is a fact of life when it comes to using credit cards, but there are ways to pay less, or avoid, interest on cards if you're careful.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EPay close attention to your accounts so you always know what you owe, and when. A new credit card could be what you need to reduce, or eliminate,&nbsp;short-term interest. Even if you can't qualify for a new credit card, little things such as creating a budget and watching your spending can contribute to a low-interest rate lifestyle.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou'll be surprised by how much money you can save when you avoid interest on your credit card.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"The bottom line\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-01 14:36:20",timezone:"UTC",updated:c,published:c},description:"Avoiding interest could be as simple as these five tips.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"98d9db37-5f21-421e-afc1-01c67186770f",image:{id:"e1c78cd1-81a7-43e0-af97-94908120dd26",filename:"depositphotos-9080952-stock-photo-credit-card-interest-rates.jpg",dateCreated:{created:c,date:"2022-06-30 23:40:40",timezone:"UTC",updated:c,published:c},alt:"How to Avoid Interest on Your Credit Card",credits:"https:\u002F\u002Fdepositphotos.com\u002Fstock-photos\u002Fcredit-card-interest.html",caption:"\u003Ch1\u003EHow to Avoid Interest on Your Credit Card \u003C\u002Fh1\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F30\u002Fe1c78cd1-81a7-43e0-af97-94908120dd26\u002Fdepositphotos-9080952-stock-photo-credit-card-interest-rates.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1296,height:729,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"how-to",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"How to avoid interest on your credit card",section:b,slug:"how-to-avoid-interest-on-your-credit-card",startYear:c,summary:b,title:"How to avoid interest on your credit card",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EGood credit is key to building a healthy financial future. \u003C\u002Fp\u003E\u003Cp\u003EAs \u003Ca href=\"https:\u002F\u002Fwww.cnet.com\u002Fpersonal-finance\u002Fcredit-cards\u002Finterest-rates-keep-rising-why-you-should-pay-off-your-credit-card-now\u002F\" target=\"_blank\"\u003Einterest rates continue to rise\u003C\u002Fa\u003E, it's more important than ever to ensure that your credit is either \"very good\" or \"exceptional.\" The benefits of having such upper-tier credit are worth the time and effort to build it. For starters, good credit enables you to borrow money at a lower interest rate, receive better terms and deals on credit cards and cell phones, and receive a better, lower interest rate on a home mortgage. What's more, a solid credit score demonstrates to lenders that you're reliable at keeping your promise of repaying money that's loaned to you. \u003C\u002Fp\u003E\u003Cp\u003EBut what if your credit isn't in good standing or if you're just getting started building your credit? You're not alone. In the first quarter of 2022, ended March 31, credit card balances rose year-over-year to $841 billion, according to the Federal Reserve Bank of New York. The national average credit card debt among cardholders with unpaid balances was $6,569. That kind of debt can give your credit score quite the beating, but don't fear, there's still hope you can build a better credit score.\u003C\u002Fp\u003E\u003Cp\u003EIf you suffer from a less-than-optimal credit score, we can show you how to build credit fast so you can get the things you and your family need.\u003C\u002Fp\u003E\u003Ch2\u003EWhat is a good credit score? \u003C\u002Fh2\u003E\u003Cp\u003EThere are two kinds of credit scores: the Experian score and the FICO Score. The FICO Score is used more often, but both are used interchangeably, depending on each individual.\u003C\u002Fp\u003E\u003Cp\u003EThe \u003Ca href=\"https:\u002F\u002Fwww.creditkarma.com\u002Fadvice\u002Fi\u002Fgood-fico-score-range\"\u003EFICO scale\u003C\u002Fa\u003E runs from 300 to 850, with the latter reserved only for those with the best credit. From there, it ranges from good to fair to bad, depending on your \u003Ca href=\"https:\u002F\u002Fwww.creditkarma.com\u002Fadvice\u002Fi\u002Fgood-fico-score-range\"\u003Enumerical score\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EFICO® Credit Scoring 8 Model\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPoor\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFair \u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EVery good \u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EExceptional\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E300 - 579\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E580 - 669\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E670 - 739\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E740 - 799\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E800 - 850\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Ch2\u003EHow to build your credit fast\u003C\u002Fh2\u003E\u003Cp\u003EEager to improve your credit score? ZDNet offers the following steps to help you bolster your numbers without prolonged delay or added stress. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"78809743-78b2-4490-8ae7-505a1c016368\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou won't know what you need to fix if you don't know what's broken. You can get a free copy of your credit report through either \u003Ca href="https:\u002F\u002Fwww.annualcreditreport.com\u002Findex.action" target="_blank"\u003EAnnual CreditReport.com\u003C\u002Fa\u003E or&nbsp;\u003Ca href="https:\u002F\u002Fwww.experian.com\u002Fconsumer-products\u002Ffree-credit-report.html"\u003EExperian's Free Credit Report\u003C\u002Fa\u003E, which allows you to see your updated FICO Score every 30 days. It is also an invaluable tool to help you monitor your growth from month to month, so you know your options when it comes to applying for a&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ftopic\u002Fcredit-cards\u002F"\u003Ecredit card\u003C\u002Fa\u003E&nbsp;or loan.\u003C\u002Fp\u003E\" data-hed=\"1. Request a copy of your credit report.\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b02b21b1-4be2-451e-9a68-db418df0ff4e\" data-edition=\"us\" data-description=\"\u003Cp\u003EAnother benefit of your credit report is that it can inform you of erroneous information, which can negatively impact your credit score. Because your credit report lists the items against you, you can confirm or refute whether each item is correct and whether it is a late payment or a closed account. It is a quick way to build your credit fast and without much trouble at all. Just file a credit report dispute with the three credit reporting agencies -- \u003Ca href="https:\u002F\u002Fwww.equifax.com\u002Fpersonal\u002Fcredit-report-services\u002Fcredit-dispute\u002F" target="_blank"\u003EEquifax\u003C\u002Fa\u003E, \u003Ca href="https:\u002F\u002Fwww.experian.com\u002Fdisputes\u002Fmain.html" target="_blank"\u003EExperian\u003C\u002Fa\u003E and \u003Ca href="https:\u002F\u002Fwww.transunion.com\u002Fcredit-disputes\u002Fdispute-your-credit" target="_blank"\u003ETransUnion\u003C\u002Fa\u003E -- to fix the incorrect information, and watch your score climb over time.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"2. Confirm your credit report.\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"28302c28-efdd-437b-84d6-487405d6a835\" data-edition=\"us\" data-description=\"\u003Cp\u003EBe sure to pay your debts as quickly as possible. Making timely payments helps improve your credit score fast because it shows that you are a responsible borrower and are able to repay your debts. Your debt-to-income ratio shows how much credit you have versus your outstanding debt. Your&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fwhy-is-credit-utilization-such-a-big-deal\u002F"\u003Ecredit utilization score\u003C\u002Fa\u003E&nbsp;can help you determine whether you have room to get that new car or upgrade to a&nbsp;better credit card.\u003C\u002Fp\u003E\" data-hed=\"3. Make timely payments to improve your debt utilization score.\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b73ae7f2-7733-47da-8895-86097bafcba2\" data-edition=\"us\" data-description=\"\u003Cp\u003ESometimes, you can benefit from someone else's credit. If you have a close family member or friend who you trust, ask if you can become an&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fauthorized-users-vs-joint-accounts-whats-the-difference\u002F"\u003Eauthorized user\u003C\u002Fa\u003E&nbsp;on the account. You can benefit from that person's higher credit limit, and being an authorized user adds another account to your credit score, and helps you achieve a balanced ratio of debt to&nbsp;credit (ideally below 30%).&nbsp;\u003C\u002Fp\u003E\" data-hed=\"4. Become an authorized user.\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d06c8459-12f0-4edf-aab2-0cfdd9f912e6\" data-edition=\"us\" data-description=\"\u003Cp\u003EA secured loan is another option for building your credit fast when you have&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fhow-to-fix-your-bad-credit\u002F"\u003Ebad credit\u003C\u002Fa\u003E. This type of loan requires that you pay in advance in exchange for a line of credit. After a period of responsible use, you may be able to trade in your&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-secured-credit-card\u002F"\u003Esecured credit card\u003C\u002Fa\u003E&nbsp;for an&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fwhat-is-an-unsecured-credit-card\u002F"\u003Eunsecured credit card\u003C\u002Fa\u003E. A secured loan is another recommended way to build credit fast. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"5. Apply for a secured credit card or loan.\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"66a4cff6-eead-49ed-a3d7-4b0b0a63e675\" data-edition=\"us\" data-description=\"\u003Cp\u003EOver time, life changes. You may now have a dual income from marriage, or perhaps you got a raise at work and are making more money. Whatever the reason, positive changes like those could impact your credit limit. If you request an&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fhow-to-increase-your-credit-limit-fast\u002F"\u003Eincrease to your credit limit\u003C\u002Fa\u003E, your credit score could benefit from a better balance of&nbsp;your credit utilization ratio.&nbsp; &nbsp;\u003C\u002Fp\u003E\" data-hed=\"6. Increase your credit limit.\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"21099476-1f98-4fec-b87a-713772e79ef7\" data-edition=\"us\" data-description=\"\u003Cp\u003EDon't go on an application spree and begin applying for credit cards left and right. Constantly running your credit can compromise your credit score. Instead, keep the ones you have and focus on making responsible, timely payments. Over time, you will see improvement in your credit score when you stick to a credit utilization level below 30%. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"7. Commit to your cards.\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"25725cc7-7c39-4385-a7e6-f4549a534fb2\" data-edition=\"us\" data-description=\"\u003Cp\u003EBuilding your credit need not be a Herculean task. In fact, your credit score isn't cast in stone, but is, rather, a score that evolves over time. If you have a bad credit score now, you can improve it faster than you think if you take a proactive and responsible approach using the steps above. Start managing your use of credit cards and reviewing (and updating) your credit reports to keeping your credit utilization level below 30%.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhen you can be trusted to repay what you owe, you might just be surprised at how quickly you can build credit and improve your credit score.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Bottom line\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-06-30 22:09:00",timezone:"UTC",updated:c,published:c},description:"Anxious to improve your credit score without delay? Consider these seven expert tips.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a43c9340-a503-42a4-bcb3-ad66bcde777e",image:{id:"8c7a5e60-f8b6-4b83-8677-25feb13e8b7b",filename:"istockphoto-984129264-612x612.jpg",dateCreated:{created:c,date:"2022-06-09 02:03:37",timezone:"UTC",updated:c,published:c},alt:"How to Build Credit Fast",credits:"https:\u002F\u002Fwww.istockphoto.com\u002Fsearch\u002F2\u002Fimage?phrase=credit+score",caption:"\u003Cp\u003EHow to Build Credit Fast\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F09\u002F8c7a5e60-f8b6-4b83-8677-25feb13e8b7b\u002Fistockphoto-984129264-612x612.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1296,height:729,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"how-to",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"How to build your credit score fast: It might not take as long as you think",section:b,slug:"how-to-build-credit-fast",startYear:c,summary:b,title:"How to build your credit score fast",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"863fe219-de4d-4c2d-9e95-55e19301075a",slug:"education",name:"Education",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"bf9804d6-0261-46a3-b776-3ab8f6d8d9e6",username:"Cynthia Paez Bowman",profileUrl:c,email:c,firstName:"Cynthia",lastName:"Bowman",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"5188d06b-b9c8-4a07-baae-5d2a56c8b7b7",filename:"cynthia-bowman-author.jpg",dateCreated:{created:c,date:"2021-06-10 15:24:39",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F10\u002F5188d06b-b9c8-4a07-baae-5d2a56c8b7b7\u002Fcynthia-bowman-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Cynthia Paez Bowman is a finance, real estate and international business journalist. Besides ZDNET, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women's NGOs about small business development.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EBusinesses need cash to run and grow. Unfortunately, cash is often hard to come by, making it necessary for business owners to find funding solutions. \u003Ca href=\"https:\u002F\u002Fwww.fedsmallbusiness.org\u002Fmedialibrary\u002FFedSmallBusiness\u002Ffiles\u002F2021\u002F2021-sbcs-employer-firms-report\"\u003EMore than one-third\u003C\u002Fa\u003E of small businesses sought financing in 2020. Based on the statistic, it's likely you'll need to borrow at some point to keep your business running. As with personal credit, a business needs to establish good credit.\u003C\u002Fp\u003E\u003Cp\u003ESimilar to personal credit, your business credit score can affect whether you're approved for a loan or business credit card. Three business credit bureaus (Equifax, Experian, and Dun & Bradstreet) score companies between 0 and 100. You may be familiar with Equifax and Experian -- they also measure personal credit scores. The higher the business credit score, the more likely your company will qualify for a line of credit or financing. \u003C\u002Fp\u003E\u003Cp\u003EDon't wait until you're in a cash flow crunch -- the sooner you begin working on your business credit, the better. The following five steps will help you get started. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d6413281-57a0-4f5b-a84f-d1bc7c45aded\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt's common for business owners to combine&nbsp;their personal assets with their company's in the early stages. However, doing so makes it hard to establish the business as its own separate entity. Incorporating or forming a limited liability company (LLC) officially establishes the business.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOnce created, an Inc. or LLC typically protects you against personal liability from business-related events -- as long as you follow the proper guidelines to operate. It's important to start treating the new business entity as separate from you. Even if you're incorporated, for you to be truly protected, you must show you've taken the necessary steps to separate your personal finances from your company's. Doing so will not only help you against legal liability but will also establish business credit.\u003C\u002Fp\u003E\u003Cp\u003EIncorporating is the first step to take for the business credit bureaus to recognize your business. Sole proprietorships or partnerships aren't enough. Once your business is officially established, you can start building a business credit history.\u003C\u002Fp\u003E\" data-hed=\"1. Establish a business entity\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e9292c76-7dec-404a-890f-8470b0bd89ca\" data-edition=\"us\" data-description=\"\u003Cp\u003EOnce you have your Inc. or LLC established, you can apply for a free EIN. The EIN is like the Social Security number for a business. You'll need it to apply for business credit cards and loans, open bank accounts, and file taxes. You can&nbsp;\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fbusinesses\u002Fsmall-businesses-self-employed\u002Fapply-for-an-employer-identification-number-ein-online" target="_blank"\u003Eapply online\u003C\u002Fa\u003E&nbsp;through the IRS in just a few minutes to receive your company's EIN.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"2. Apply for an Employer Identification Number\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d64f3efb-106f-4857-bc4b-293368edc962\" data-edition=\"us\" data-description=\"\u003Cp\u003EOnce you have your Articles of Incorporation and an EIN,&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-online-business-bank-account\u002F" target="_blank"\u003Eyou can open a business account\u003C\u002Fa\u003E. It's best to do some research and compare what different banks charge for maintaining a business bank account, since they typically have more fees than a personal account. Although keeping your business and personal bank accounts with the same bank can be convenient, you may decide that a different bank or a credit union is a lower-cost alternative. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003EEven if your company isn't very active financially yet, having a business bank account is one of the best ways to show that you've separated your personal assets from your company's. If you need to pay a business-related expense, it's best to "lend money" to your business (deposit the funds into the business bank account for the company to issue the payment).&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIf you paid for items with your personal credit card, you could write yourself a check later reimbursing you for paying business-related expenses. The important part is to start keeping your personal finances separate from your company's.\u003C\u002Fp\u003E\" data-hed=\"3. Open a business bank account\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"40bd4e3a-6939-41a6-b624-06423eab97e7\" data-edition=\"us\" data-description=\"\u003Cp\u003EEquifax and Experian both automatically pull new business records from the Secretary of State. As soon as you form an LLC or incorporate, you'll be recognized.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EDun &amp; Bradstreet is the most commonly used business credit bureau and has its own system. The bureau creates three separate credit scores for your company based on public records, industry information, and more.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo view your DB credit reports and make it easier in the future for lenders and suppliers to issue you credit, you'll need a data universal numbering system (DUNS) number. If you've done business with suppliers already, you may even already have one.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBefore you apply,&nbsp;\u003Ca href="https:\u002F\u002Fwww.dnb.com\u002Fduns-number\u002Flookup.html" target="_blank"\u003Echeck for a DUNS number\u003C\u002Fa\u003E&nbsp;by entering your company name. If you don't find a number, you can&nbsp;\u003Ca href="https:\u002F\u002Fwww.dnb.com\u002Fduns-number\u002Fget-a-duns.html" target="_blank"\u003Efile with D&amp;B\u003C\u002Fa\u003E&nbsp;to get one. But before you can access it, you'll need at least three trade references. Ask companies or suppliers you've done business with to report your payment history to D&amp;B -- it's free.\u003C\u002Fp\u003E\" data-hed=\"4. Register for business credit\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"18250984-69ad-4ecc-9cf3-6c8ba7e549c0\" data-edition=\"us\" data-description=\"\u003Cp\u003ENow that you've taken steps to create an official business entity and the credit bureaus are tracking your company, it's time to&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbuild-business-credit\u002F" target="_blank"\u003Estart building a credit history for your company\u003C\u002Fa\u003E. One of the simplest and most effective ways is to establish trade lines. A trade line is basically a vendor that agrees to let you pay for goods later. Known as "net-30," many vendors will allow you to pay them within 30 days of receiving their goods or services.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EEven small trade lines help. Start with the companies that supply your business already. Ask them to give you terms and\u002For start reporting your activity to the credit bureaus (if they haven't already). The reporting is free.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIf you don't already have net-30 terms with suppliers, ask. Or consider the following companies:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Ca href="https:\u002F\u002Fcrownofficesupplies.com\u002F" target="_blank"\u003E\u003Cstrong\u003ECrown Office Supplies\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E: Chances are your business will need some office supplies. Crown Office Supplies will extend a trade line and report it to the credit bureaus for an annual fee of $99.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.grainger.com\u002F" target="_blank"\u003E\u003Cstrong\u003EGrainger\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E: The industrial-supply company sells janitorial supplies and business equipment. Establishing a line of credit with the company is fairly simple, even for newer businesses. You'll need to call 1-800-GRAINGER (472-4643) to get started.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.uline.com\u002F" target="_blank"\u003E\u003Cstrong\u003EUline\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E: Another option for office supplies and business materials, Uline allows you to&nbsp;apply for an account. If you're approved, be sure to choose net-30 and checkout. Make small orders and pay your bill on time or early to establish a positive track record for your company.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EMonitor your DB credit reports. When you feel confident with the track record you've built, consider expanding into small business loans or applying for a business credit card that doesn't require a personal guarantee, such as Brex, Shell (for gas), or the Office Depot OfficeMax Business card.\u003C\u002Fp\u003E\" data-hed=\"5. Start building business credit\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"664dbf2d-b328-441e-9291-3930411460a7\" data-edition=\"us\" data-description=\"\u003Cp\u003EMost business credit cards typically use your personal credit to approve you. If you've applied for a business or corporate card that requires your Social Security number, your card's history will not be reported to the business credit bureaus. To build business credit, look for business cards that don't ask for a personal guarantee.\u003C\u002Fp\u003E\" data-hed=\"FAQ: Does my business credit card report to the business credit bureaus?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2ab1d4a1-eb85-4cf6-ac84-60735ada13e2\" data-edition=\"us\" data-description=\"\u003Cp\u003ENet-30 is a line of credit from a vendor or supplier that allows you to buy goods now and pay for them within 30 days. Small businesses should request a line of credit with net-30 terms from their suppliers to start establishing credit. Be sure to pay your bills on time, however, since your activity will likely be reported to the business credit bureaus.\u003C\u002Fp\u003E\" data-hed=\"FAQ: What is net-30?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-09-10 20:00:00",timezone:"UTC",updated:c,published:c},description:"Good business credit is essential to help your company weather financially challenging times. Here's a step-by-step guide on how to build that credit.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"d830dc56-36e3-47c3-83d9-aec43daf668b",image:{id:"862ce4a4-e3a3-4c60-8cc1-7ecbeb88c80c",filename:"shutterstock-613161920.jpg",dateCreated:{created:c,date:"2021-09-10 16:46:38",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"By Aleksey Mnogosmyslov -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F10\u002F862ce4a4-e3a3-4c60-8cc1-7ecbeb88c80c\u002Fshutterstock-613161920.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"how-to",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-to-build-your-business-credit-in-5-simple-steps",startYear:c,summary:b,title:"How to build your business credit in 5 simple steps",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"79d67b90-8175-11e2-9d12-0018fe8a00b0",username:"charlieosborne",profileUrl:c,email:c,firstName:"Charlie",lastName:"Osborne",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2e4c50de-700f-4193-ab8f-046747723cf0",filename:"charlie-osborne.jpg",dateCreated:{created:c,date:"2022-08-05 15:00:38",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002F2e4c50de-700f-4193-ab8f-046747723cf0\u002Fcharlie-osborne.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Charlie Osborne is a cybersecurity journalist and photographer who writes for ZDNET and CNET from London. PGP Key: AF40821B",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"36fbcdf6-9757-46b9-b488-2acbbb62e7a1\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EThere are benefits and disadvantages with most kinds of savings accounts\u003C\u002Fp\u003E\" data-image-credit=\"Getty Images\" data-image-alt-text=\"Stack of dollar bills\" data-image-filename=\"gettyimages-122343747-stack-of-dollar-bills169.jpg\" data-image-date-created=\"2022\u002F05\u002F11\" data-image-width=\"1765\" data-image-height=\"993\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAlthough inflation in the US pulled back slightly last month to 8.3% after seven months of incessant gains, it remains uncomfortably high not just in the US, but in the UK and other countries, with one \u003Ca href=\"https:\u002F\u002Ffinance.yahoo.com\u002Fnews\u002Finflation-struggle-food-insecurity-170639530.html\" target=\"_blank\"\u003ECOO\u003C\u002Fa\u003E calling the situation a \"perfect storm.\" \u003C\u002Fp\u003E\u003Cp\u003EThe eye of the storm surfaced due to the COVID-19 pandemic, and now, we are seeing the ripple effect this economic disease has had on the financial world.  \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"5e37017c-faa4-4d56-bd4a-41e11b2b14ff\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F5e37017c-faa4-4d56-bd4a-41e11b2b14ff\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe stock market is in disarray, the Great Resignation (and so-called Great Reshuffle) is underway, and closer to home, we feel the sting of rising food and energy prices, with a general surge in the cost of living.  \u003C\u002Fp\u003E\u003Cp\u003EInflation is a reduction in purchasing power over a period of time, caused by factors including the rising prices of goods or services. This can also be caused when there is a notable increase in the money supply. \u003C\u002Fp\u003E\u003Cp\u003EFor example, if you used to pay $100 a month for electricity and now you must pay $200 a month every 12 months, this increase in the price of the service may reduce your purchasing power elsewhere -- think going out to eat, buying a new car or booking vacations -- and this, in turn, impacts demand for other goods and services, potentially hampering economic growth. \u003C\u002Fp\u003E\u003Cp\u003EWhile the price of everyday goods, like milk and gas, can be individually inflated, inflation looks at the broader picture and a general rise in prices across the board. Inflation remains in the stratosphere: In March, the US Consumer Price Index (CPI) \u003Ca href=\"https:\u002F\u002Fwww.cnn.com\u002F2022\u002F05\u002F08\u002Finvesting\u002Fstocks-week-ahead\u002Findex.html\" target=\"_blank\"\u003Ereached 8.5%\u003C\u002Fa\u003E, a rate not seen since 1981, and economists \u003Ca href=\"https:\u002F\u002Fwww.theguardian.com\u002Fbusiness\u002F2022\u002Fmay\u002F09\u002Fhigh-uk-inflation-could-last-for-years-rather-than-months-warns-economist\" target=\"_blank\"\u003Ehave warned\u003C\u002Fa\u003E that inflation could pass 10% in the UK.  \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"codesnippet\" data-code=\"PGRpdiBjbGFzcz0ibXlGaW5hbmNlLXdpZGdldCIgZGF0YS13aWRnZXQtaWQ9ImMyZDYzY2QyLWFhOGYtNDJiNi05ODg2LThmNDk4NGI5MWU0YiIgZGF0YS1jYW1wYWlnbj0iemRuZXQtc2F2aW5ncy1tdWx0aSI+PC9kaXY+\" data-encoding=\"base64\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EEarlier today, however, the US Department of Labor announced the CPI \u003Ca href=\"https:\u002F\u002Fwww.bls.gov\u002Fnews.release\u002Fcpi.nr0.htm\" target=\"_blank\"\u003Eretreated to 8.3%\u003C\u002Fa\u003E, ending a 40-year high. Although today's announcement is a welcome news, 8.3% is still a hefty weight on households and there's still no end in sight. In fact core prices -- excluding food and energy categories -- rose 0.6% from March to April. \u003C\u002Fp\u003E\u003Cp\u003EAs everyday expenses increase, consumers may also feel the squeeze on their savings -- and their rate of return.  \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4c2016f9-59fe-4b51-a5a2-8f65c3cfbafe\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe general rule is that if inflation is higher than the interest rate of your savings account, in real-world "purchasing power" terms, you are losing money as the intrinsic value of each currency "unit" is&nbsp;\u003Ca href="https:\u002F\u002Fwww.investopedia.com\u002Farticles\u002Finvesting\u002F090715\u002Fhow-inflation-affects-your-cash-savings.asp" target="_blank"\u003Egoing down, not up\u003C\u002Fa\u003E.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBut if you're trying to tighten your belt in the face of high living costs and want to make sure you have some money stashed away to weather the storm, the question to ask yourself is: Should I open a savings account?&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere are benefits and disadvantages with most kinds of savings accounts. Despite the US Federal Reserve&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fthe-federal-reserve-increases-interest-rates-by-half-a-percentage-point-further-increases-likely-to-come\u002F" target="_blank"\u003Erecently raising interest rates\u003C\u002Fa\u003E&nbsp;by 50 basis points (or half a percentage point) rates are pretty poor across the sector (at least, for now). However, savings accounts are still worth considering as a safety net. Here's how to get started.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Should you open a savings account?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e6917eae-f621-4675-9e53-dc638320eb3c\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EInflation\u003C\u002Fstrong\u003E: Generally, the rising cost of living\u002Fconsumer services and goods over a sustained period.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EConsumer Price Index\u003C\u002Fstrong\u003E (CPI): The \u003Ca href="https:\u002F\u002Fwww.bls.gov\u002Fcpi\u002F" target="_blank"\u003ECPI\u003C\u002Fa\u003E measures changes in the prices consumers pay, and inflation is calculated based on these figures. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAPY\u003C\u002Fstrong\u003E: The annual percentage yield, or interest rate, offered by a financial service or account. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ETransaction, service fee\u003C\u002Fstrong\u003E: Some banks and financial providers will charge account opening fees, service charges, or a fee every time you make a transaction -- and this can include making one-off payments or setting up direct debits.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Terms to learn\" data-superlative=\"Terms you should become familiar with\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"094c2e79-9039-40ae-9ce8-440558f46bdf\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe first question to consider is what you want the savings account for. Do you want an account separate from your standard checking account to save a few dollars as and when you can, or for an emergency fund? Or, do you want something long-term?\u003C\u002Fp\u003E\u003Cp\u003EThere are many different types of savings accounts on the market, including:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ETraditional savings accounts\u003C\u002Fstrong\u003E: Opened at your bank, easy access, and an interest rate between 0.01% and 1.00%\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EHigh-yield savings accounts\u003C\u002Fstrong\u003E: Higher interest rates (up to 1.25%) but may impose service fees and withdrawal limits, as well as minimum balances\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ERetirement funds\u003C\u002Fstrong\u003E: Funds either saved or invested on your behalf and typically locked in until retirement age. These can include IRA\u002FRoth IRAs (US) and UK personal pensions (SIPPs).\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EOnline-only savings accounts\u003C\u002Fstrong\u003E: Only managed online and may not accept cash, but typically offer better APY rates due to lower overheads\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECertificate of deposit (CD) accounts (US)\u003C\u002Fstrong\u003E: Banks and credit unions may offer CD accounts at high, fixed interest rates (up to 2.00%). However, there is usually a minimum deposit to earn interest, and funds are held over a fixed term, such as 12 months or five years. You are earning more interest, but you can't withdraw your cash without a penalty before the term ends on its "maturity" date.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EMoney Market accounts \u003Cstrong\u003E(MMAs)\u003C\u002Fstrong\u003E (US)\u003C\u002Fstrong\u003E: A \u003Ca href="https:\u002F\u002Fwww.capitalone.com\u002Fbank\u002Fmoney-management\u002Fbanking-basics\u002Fwhat-is-a-money-market-account\u002F" target="_blank"\u003Emoney market account\u003C\u002Fa\u003E is similar to a high-yield savings account but may give you a debit card and checkbook. Minimum balances to earn high APY (up 0.82%) may apply.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAccounts for children\u003C\u002Fstrong\u003E: Many savings accounts will require an adult as a custodian or joint owner. For example, the \u003Ca href="https:\u002F\u002Fwww.capitalone.com\u002Fbank\u002Fsavings-accounts\u002Fkids-savings-account\u002F" target="_blank"\u003ECapital One Kids\u003C\u002Fa\u003E saving account is in the child's name, offers up to 0.30% APY, and is managed by a guardian. \u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWhen you're making your choice, keep in mind that regular savings accounts can provide you quick access to your funds in the case of an emergency, whereas some types of accounts -- such as retirement or cash-to-investment products -- can lock in funds for years.  \u003C\u002Fp\u003E\u003Cp\u003E"It's worth noting that most regular savings accounts are linked to current accounts, meaning you can only open one if you already have or open a bank account with that bank or building society," commented Connor Campbell, personal finance expert at NerdWallet. "Therefore, it may be worth seeing which current accounts are on offer, too. Some regular savings accounts, however, are open to all and you can usually apply online. By checking both current accounts and the linked savings accounts, you might end up with a more holistic improvement to your personal banking than just by opening a savings account alone."\u003C\u002Fp\u003E\" data-hed=\"What do you want your savings account for?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"79f41a92-a8b2-4929-83c1-de9d0b2da9fd\" data-edition=\"us\" data-description=\"\u003Cp\u003EAt a high of 1.25%, high-yield savings accounts can't beat rising inflation, but they can buffer the impact. When you're looking for a new savings account, whether to open or to switch, you'll want to find the highest interest rate possible.\u003C\u002Fp\u003E\u003Cp\u003EThe average savings account in the US is currently reported at \u003Ca href="https:\u002F\u002Fwww.bankrate.com\u002Fbanking\u002Fsavings\u002Faverage-savings-interest-rates\u002F"\u003E0.06%\u003C\u002Fa\u003E APY -- and when you compare this to the surge in inflation, it's poor. \u003C\u002Fp\u003E\u003Cp\u003EHowever, some banks are offering online-only savings accounts with APY rates beyond the national average. The best rate we've \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fbest-savings-account\u002F" target="_blank"\u003Efound so far\u003C\u002Fa\u003E offers 0.61% APY. \u003C\u002Fp\u003E\u003Cp\u003ENow the federal reserve has increased its \u003Ca href="https:\u002F\u002Fwww.cnbc.com\u002F2022\u002F05\u002F04\u002Ffed-raises-rates-by-half-a-percentage-point-the-biggest-hike-in-two-decades-to-fight-inflation.html" target="_blank"\u003Ebenchmark interest rate\u003C\u002Fa\u003E by half a percentage point to try and combat inflation, we may begin to see more competitiveness in the market -- especially as some financial organizations are offering far beyond the average rate. \u003C\u002Fp\u003E\" data-hed=\"What are the interest rates like?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b4748d95-ca4d-4ab1-8abf-0eb1916ff58a\" data-edition=\"us\" data-description=\"\u003Cp\u003EBanks or other financial service providers may impose fees to open a new account, switch, or close a savings account. Savings account providers may impose fees when processing transactions (a common practice when making international payments), when ATM withdrawals are made, or through maintenance fees\u002Fservice charges. \u003C\u002Fp\u003E\u003Cp\u003EThere may also be withdrawal limit fees if a consumer makes too many withdrawals or transfers during a specific time period. \u003C\u002Fp\u003E\u003Cp\u003EHowever, many financial organizations will waive monthly maintenance fees if there are regular deposits or the savings account always maintains a specific balance. \u003C\u002Fp\u003E\u003Cp\u003EHere are some examples:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.usbank.com\u002Fbank-accounts\u002Fsavings-accounts.html" target="_blank"\u003EUS Bank\u003C\u002Fa\u003E: Savings account maintenance fees of between $4 and $10. Fees may be waived if the account is opened for someone under the age of 18 or if a minimum amount is held in the account. \u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.chase.com\u002Fpersonal\u002Ffees\u002Fsavings" target="_blank"\u003EChase\u003C\u002Fa\u003E: Chase Savings has a monthly fee of up to $5 (which can be waived) or up to $25 for premium accounts. Chase may also charge between $2.50 to $5 for making withdrawals from a non-Chase ATM. \u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fonline.citi.com\u002FUS\u002Fag\u002Fbanking\u002Fciti-savings" target="_blank"\u003ECiti\u003C\u002Fa\u003E: Citi Bank's Basic or Access savings accounts have a $4.50 monthly fee unless an average monthly balance of $500 is maintained. \u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.bankofamerica.com\u002Fdeposits\u002Fsavings\u002Fsavings-accounts\u002F" target="_blank"\u003EBank of America\u003C\u002Fa\u003E: Bank of America's Advantage savings account has no monthly fee as long as a balance of $500 is maintained, you are a student, under 18, or there are waivers due to you already being a client. However, withdrawal fees of $10 are charged when there are more than six withdrawals\u002Ftransfers in a month. \u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Do savings accounts have fees?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"634e8d5a-5d16-44b4-b0b9-0a9921b64ccf\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen choosing your savings account, you should also know of potential requirements or restrictions. These may include:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EAge\u003C\u002Fstrong\u003E: Some accounts will only be available after you've turned 18. Other savings accounts can be opened for minors, with restrictions, or by an adult on behalf of a child. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EOpening balance\u003C\u002Fstrong\u003E: You may be required to deposit a minimum amount to open a new account. For example, \u003Ca href="https:\u002F\u002Fwww.usbank.com\u002Fbank-accounts\u002Fsavings-accounts.html" target="_blank"\u003EUS Bank\u003C\u002Fa\u003E savings accounts require a deposit of between $25 and $100, depending on the type of account you want. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EDaily balances\u003C\u002Fstrong\u003E: Some accounts can only be signed up for on the understanding there will be a minimum amount held. For example, the \u003Ca href="https:\u002F\u002Fwww.chase.com\u002Fpersonal\u002Fsavings\u002Fsavings-account" target="_blank"\u003EChase Savings\u003C\u002Fa\u003E account may require a daily balance of $300 or more if other terms are not met.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECredit score:\u003C\u002Fstrong\u003E You may also need a specific credit score rating to open a savings account. Banks may perform a soft check for pre-approval or a hard check before opening an account for you, although if you're already a customer, you might bypass this process. Generally, credit scores from fair to excellent are most likely to be accepted. \u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ERead on: \u003C\u002Fstrong\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fwhat-is-my-credit-score-this-is-why-they-exist-and-why-you-need-to-build-it\u002F" target="_blank"\u003E\u003Cstrong\u003EWhat is my credit score? Why it exists and why you need to build it\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\" data-hed=\"Are there any requirements to open a savings account?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ccc225d7-5c2c-4f97-8dcd-6b09faf6f6f5\" data-edition=\"us\" data-description=\"\u003Cp\u003EPerks may include overdraft protection if a savings account is linked to a checking account, cashback offers, higher interest rates when a set balance is maintained, or "clubs" that give you discounts on partner items and services. For example, \u003Ca href="https:\u002F\u002Fwww.lloydsbank.com\u002Fcurrent-accounts\u002Fall-accounts\u002Fclub-lloyds.html" target="_blank"\u003EClub Lloyds\u003C\u002Fa\u003E offers free magazine subscriptions, movie rentals, and cinema tickets. \u003C\u002Fp\u003E\u003Cp\u003EMost US banks will offer premium savings accounts with higher monthly fees in return for perks. For example, the \u003Ca href="https:\u002F\u002Fwww.wellsfargo.com\u002Fsavings-cds\u002F" target="_blank"\u003EWells Fargo\u003C\u002Fa\u003E Platinum Savings \u003Ca href="https:\u002F\u002Fwww.wellsfargo.com\u002Fsavings-cds\u002Fplatinum\u002F" target="_blank"\u003Eaccount\u003C\u002Fa\u003E offers unlimited withdrawals and a higher interest rate. \u003C\u002Fp\u003E\" data-hed=\"Does the savings account have any perks attached?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"fb83a646-ebbb-4551-8083-f63ed91254fe\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou should check if your bank is insured by the Federal Deposit Insurance Corporation (FDIC) in the United States. The deposit limit covered by the agency is usually \u003Ca href="https:\u002F\u002Fwww.fdic.gov\u002Fresources\u002Fdeposit-insurance\u002Ffaq\u002F" target="_blank"\u003E$250,000\u003C\u002Fa\u003E and includes checking accounts, typical savings accounts, MMAs and CD savings accounts. Although, the rules are different depending on the asset category, such as for trusts. \u003C\u002Fp\u003E\u003Cp\u003EThe FDIC does not generally cover investment products. \u003C\u002Fp\u003E\u003Cp\u003EIn the UK, the Financial Services Compensation Scheme (FSCS) covers bank accounts holding \u003Ca href="https:\u002F\u002Fwww.fscs.org.uk\u002Fwhat-we-cover\u002F" target="_blank"\u003Eup to £85,000\u003C\u002Fa\u003E, or £170,000 in joint accounts if an approved bank or financial institution goes bust.\u003C\u002Fp\u003E\u003Cp\u003EMost major financial products are protected, but you should always check if there is FDIC\u002FFSCS cover if you are investigating a lesser-known savings account. \u003C\u002Fp\u003E\" data-hed=\"Is the savings account protected by governing bodies?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3884d04b-3407-4277-8788-5d5a81a02607\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn short, yes. Even if APY rates are paltry at best right now, you still have to declare any interest you receive on your savings. This includes your checking accounts, savings accounts, CDs, bonds and money market accounts. \u003C\u002Fp\u003E\" data-hed=\"Do I have to pay tax on savings account interest?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"19fb5fbf-aaab-4796-af4a-b2107b3a192c\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou can open "savings" accounts which are based on stocks and shares investments. For example, a stocks and shares ISA removes some tax liability while converting funds into investments.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou can turn to these products instead of a traditional savings account, and choosing long-term investments in stable index funds, for example, can provide you with an annual return on investment closer to, or beyond, the CPI. This may potentially preserve the real-time value of your money more than today's interest-based accounts, but they also come with a level of risk.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIt can also be challenging to pull your money out on short notice.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E"One way to battle against inflation is to put your cash into a stocks and shares ISA, where returns are linked to the performance of the stock market instead," commented Laura Howard, Editor at Forbes Advisor. "But while, historically, stock market-based investments have produced much better returns than cash savings accounts, you'll pay the price in that your cash is always at risk -- this means you could get less out than you put in. There's also a spectrum of costs to consider, such as an annual management fee and trading charges."\u003C\u002Fp\u003E\u003Cp\u003EWhen it comes to cryptocurrency as a savings option, while the returns can be lucrative, any form of investment in virtual assets comes with very high levels of risk.&nbsp; The volatile nature of the market means you shouldn't put anything in that you can't afford to lose, so we can't recommend this as a savings option.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhether or not you also choose to explore other options, if possible, you should always have an emergency fund that can be easily accessed.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E"Ultimately, where you keep your cash -- if indeed there is any surplus after meeting the rising cost of household bills and other essentials -- will come down to factors beyond just returns," added Howard. "For example, how readily you will need access to your money, what other accounts you already have, and whether you would be able and willing to take a hit on your capital."\u003C\u002Fp\u003E\" data-hed=\"Are stocks, shares -- or even crypto -- alternatives to savings accounts?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d8d03381-ac3e-434f-a969-79c68b57e763\" data-edition=\"us\" data-description=\"\u003Cp\u003EZDNet keeps up with the market trends and has compiled a \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fbest-savings-account\u002F" target="_blank"\u003Elist of our top picks\u003C\u002Fa\u003E for US consumers looking for a new savings account.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What are our top picks for savings accounts?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAt the moment, our top pick is \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"a5d6b340-c671-4f77-ad12-c8f2c613282a\" data-raw-url=\"https:\u002F\u002Fwww.ally.com\u002Fbank\u002Fonline-savings-account\u002F\" data-link-shortcode-text=\"Ally's High Yield Savings account\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E, with an APY of 0.50% and low fees. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ERead on: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fbest-savings-account\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe 5 best savings accounts: Earn while you save\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cem\u003EThe information presented by ZDNet is not intended to be individual investment advice and is not tailored to your personal financial situation. It does not constitute legal, accounting, or tax advice, nor a recommendation to buy, sell or hold any investment. We encourage you to discuss investment options with your financial adviser prior to making any investments. \u003C\u002Fem\u003E \u003C\u002Fp\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-05-11 20:45:00",timezone:"UTC",updated:c,published:c},description:"A traditional savings account is one option for growing wealth, but is it worth it? How do you choose one?",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"e9ff71c0-8c01-48e7-b5fb-6ab5c1511f7c",image:{id:"2aa5c500-2f6f-4143-b032-af8b069f1367",filename:"dollar-money-rain.jpg",dateCreated:{created:c,date:"2021-01-07 18:25:25",timezone:"UTC",updated:c,published:c},alt:"dollar-money-rain.jpg",credits:"Image: QuinceCreative",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F01\u002F07\u002F2aa5c500-2f6f-4143-b032-af8b069f1367\u002Fdollar-money-rain.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1000,height:515,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"opening-a-savings-account-in-a-time-of-inflation-is-it-worth-it",startYear:c,summary:b,title:"Opening a savings account in a time of inflation: Is it worth it?",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"74cfda70-fed9-47f5-b27e-f508b105c76f",username:"Mandy Sleight",profileUrl:c,email:c,firstName:"Mandy",lastName:"Sleight",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"887522cb-bafd-4ac6-bef5-89319a0851ec",filename:"mandy-sleight-author.png",dateCreated:{created:c,date:"2021-07-06 17:22:43",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F887522cb-bafd-4ac6-bef5-89319a0851ec\u002Fmandy-sleight-author.png",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Mandy Sleight has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar, and has been a licensed insurance agent since 2005. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EIf you own a business, having a business credit card provides several advantages. Making cash flow management easier, separating your personal and business finances, earning rewards, and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbuild-business-credit\u002F\" target=\"_blank\"\u003Ebuilding business credit\u003C\u002Fa\u003E are just a few. \u003C\u002Fp\u003E\u003Cp\u003ENot all businesses are cash positive, and getting a business loan isn't always easy. Still, if you're approved for a business credit card, it can provide a lifeline by allowing you to make purchases and pay for services.\u003C\u002Fp\u003E\u003Cp\u003EWhether you're an established business or just starting out, knowing how to get a business credit card can help you prepare for the application process. Here are the steps to you should take to get a business credit card:\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ca393219-77bb-4c8d-8311-54ec10b31ca8\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile some believe you have to be a corporation or have an LLC to get a business credit card, small businesses are also eligible. Sole proprietors, gig workers, freelancers, and other self-employed individuals can apply for business credit, even if they only work part-time at a side hustle.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhen you apply for a business credit card, you will be asked to define your business type, so be prepared with the answer before filling out the application. If you want to incorporate or need to apply for an employee identification number (EIN) -- your business's social security number -- you should complete these processes beforehand.\u003C\u002Fp\u003E\" data-hed=\"1. Define your business type\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d92a574c-ec96-446c-a937-6e9a131c4b69\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile each bank offering business credit cards has&nbsp;their own criteria for approval, you should have the following information available when applying for a business credit card:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EBusiness name\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EBusiness address and phone number\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EEIN\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EBusiness type (sole proprietorship, LLC, corporation, partnership, etc.)\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EAge of the business\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EIndustry\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EYour role in the business\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ENumber of employees\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EExpenses and annual revenue\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EBank statements\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EPersonal credit information\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWhether you plan to apply online or in person at the bank, having these documents and information available can make the application process quicker and easier.\u003C\u002Fp\u003E\" data-hed=\"2. Gather your information\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cc8c1e39-fdc7-4f9e-baf8-7e9cfe9c671f\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you are a&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-startup-credit-card\u002F" target="_blank"\u003Estartup\u003C\u002Fa\u003E, sole proprietor, or don't have established&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftop-6-ways-to-build-business-credit-quickly\u002F" target="_blank"\u003Ebusiness credit\u003C\u002Fa\u003E, you may be asked for your personal details to check your credit score. Your personal credit history and credit score could make or break your business credit application, so you want to make sure it meets the issuer's credit criteria.\u003C\u002Fp\u003E\u003Cp\u003EThe better your credit score and the longer you have established an excellent credit history, the more likely you are to be approved with the best terms and benefits. You can get a free credit report with the three main credit bureaus -- Equifax, Experian, and TransUnion -- at&nbsp;\u003Ca href="http:\u002F\u002Fwww.annualcreditreport.com\u002F" target="_blank"\u003Eannualcreditreport.com\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\" data-hed=\"3. Check your personal credit\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3a5e729f-ef0c-4d2a-b06c-f547ab2f21d6\" data-edition=\"us\" data-description=\"\u003Cp\u003EJust like personal credit cards, there is no shortage of&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-business-credit-card\u002F" target="_blank"\u003Ebusiness credit card\u003C\u002Fa\u003E&nbsp;options available. To help you narrow down your choices, consider what you need from the credit card. Do you solely want it to make tracking business transactions easier and separate from your personal finances? Or do you want access to rewards and other perks for everyday business purchases?\u003C\u002Fp\u003E\u003Cp\u003EIf you frequently travel for business, you can get business credit cards that offer specific perks, like&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-airline-credit-card\u002F" target="_blank"\u003Eairline rewards\u003C\u002Fa\u003E. Other cards may offer a sign-up bonus, tiered cashback rewards for purchases , and more.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EMaybe you frequently shop at a specific&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-store-credit-card\u002F" target="_blank"\u003Estore\u003C\u002Fa\u003E&nbsp;and could benefit from the incentives offered there. Or maybe you find yourself ordering from Amazon most often, which could mean an&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-amazon-business-credit-card\u002F" target="_blank"\u003EAmazon Business Prime credit card\u003C\u002Fa\u003E&nbsp;is better suited for your business.\u003C\u002Fp\u003E\u003Cp\u003EWhatever your needs, weighing your options can help you find the best business credit card.\u003C\u002Fp\u003E\" data-hed=\"4. Research business credit card options\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"703b50fc-40ec-4d06-8054-145a68677ce0\" data-edition=\"us\" data-description=\"\u003Cp\u003ENow that you've gathered all your information and narrowed down the best credit card for your business, you're ready to apply. The process to&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-apply-for-a-business-credit-card\u002F" target="_blank"\u003Eapply for a business credit card\u003C\u002Fa\u003E&nbsp;is similar to a personal credit card, but you may not get a decision right away.\u003C\u002Fp\u003E\u003Cp\u003ESome creditors may ask for more information, which you should already have readily available to provide. You may be required to provide your personal information to guarantee repayment, even if the business fails. Once all relevant information is provided, the bank will make a final decision.\u003C\u002Fp\u003E\u003Cp\u003EIf you're approved, move on to the next step. If not, then you may need to work on your personal credit or establish business credit before trying again.\u003C\u002Fp\u003E\" data-hed=\"5. Apply for a business credit card\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8c973e75-0f84-4ca4-b348-5823fbd919a8\" data-edition=\"us\" data-description=\"\u003Cp\u003EOnce approved, you should get your business credit card mailed to your business address within a couple of weeks. When you receive it, activate the card and commit to using it wisely, so you don't run into trouble later on.\u003C\u002Fp\u003E\u003Cp\u003EReview the terms and conditions carefully, plus the rewards program details if you get a rewards business credit card. This way, you can use the card correctly and maximize your benefits.\u003C\u002Fp\u003E\u003Cp\u003ENow that you have a business credit card, only use it for business expenses and avoid mixing it with personal expenses. This will help you during tax time and keep your personal finances separate from the business.\u003C\u002Fp\u003E\" data-hed=\"6. Receive your card and use it wisely\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8a6b6308-9aff-47ef-9e4e-d32cbf22de7b\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe difference between business credit cards and personal credit cards is that business credit cards use the business entity's credit for approval and establish a credit limit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EHaving a business credit card allows you to separate your personal finances from your business finances, making record keeping easier and protecting your personal finances if you default or the business fails.\u003C\u002Fp\u003E\" data-hed=\"What's the difference between business credit cards and personal credit cards?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e8efd17d-10ee-4a5d-95c3-05d9c46971ce\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen applying for a business credit card for your LLC, you will use your LLC information on the application instead of your personal details. They may also use your personal credit in approval consideration but are dependent on the creditor.\u003C\u002Fp\u003E\" data-hed=\"How do I get a credit card for my LLC?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7f35facc-2d6e-4139-9b30-b6004740c199\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou can apply for a business credit card without a business by using your personal details in the application. Your name will be used as the business name, and if you don't have an EIN, you will use your social security number. A sole proprietorship is considered a business, but the creditor may ask for proof that you are in business before approving you for a business credit card.\u003C\u002Fp\u003E\" data-hed=\"How can I get a business credit card without a business?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"13f5d9fb-e2e6-4b28-8384-5a3d7b814a6b\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you have poor credit or haven't established enough business credit yet, there is a chance you may not be approved for a business credit card. If this happens, you have other options, like applying for a \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-secured-credit-card\u002F" target="_blank"\u003Esecured business credit card\u003C\u002Fa\u003E. A secured card requires a deposit which becomes your credit limit and can help you establish business credit or repair your personal credit so you can get approved for an unsecured business credit card in the future.\u003C\u002Fp\u003E\" data-hed=\"What if I have poor credit or don't get approved for a business credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-09-15 16:16:00",timezone:"UTC",updated:c,published:c},description:"Whether you have an established business or are just starting out, knowing how to get a business credit card can help you prepare for the application process.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"dfb60891-d73d-4373-ac11-a29a9a6e7fdf",image:{id:"26385c68-5c33-44c5-acb8-7e115a40b8a4",filename:"business-credit-card.jpg",dateCreated:{created:c,date:"2021-09-14 11:40:25",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"By Virrage Images -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F14\u002F26385c68-5c33-44c5-acb8-7e115a40b8a4\u002Fbusiness-credit-card.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"how-to",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"business-credit-cards-everything-you-need-to-know",startYear:c,summary:b,title:"How to get a business credit card in six steps",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"7f90ce4a-bcfe-42e6-bdeb-d28fd07fdf63",username:"Ashlee Tilford",profileUrl:c,email:c,firstName:"Ashlee",lastName:"Tilford",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"c8e8a7de-4dc2-4a95-8da9-5edf7799e4a3",filename:"asheleet-2.jpg",dateCreated:{created:c,date:"2021-08-04 17:34:13",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F08\u002F04\u002Fc8e8a7de-4dc2-4a95-8da9-5edf7799e4a3\u002Fasheleet-2.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Ashlee is an MBA business professional by day and a dynamic freelance writer by night. Covering industries like banking, finance, and health & wellness, her work has been published on sites like bankrate.com, thesimpledollar.com, interest.com, womens-health.com and more. Ashlee specializes in personal finance and is passionate about helping others achieve greater financial freedom.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ECredit cards are a quick and convenient way to pay for the things you want and need for a person on the go. There are a plethora of benefits to using credit cards, but there are also some risks if you don't now how credit cards work. Before you decide whether or not to start using a credit card, it's wise to gain the knowledge necessary to help you avoid costly mistakes. \u003C\u002Fp\u003E\u003Cp\u003EThe good news is that credit cards don't have to be complicated, and avoiding mistakes doesn't either. Here's what you'll need to know as a first-time credit card user. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ac110bed-687d-419d-843f-7c937b9b0fd9\" data-edition=\"us\" data-description=\"\u003Cp\u003EA credit card is a type of revolving credit issued by a credit card company, a financial institution. When you make a purchase using the card, the financial institution loans you the money for the purchase with the agreement that you will pay the amount back in full by a certain date -- or they will charge you interest fees on the balance.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe card is a physical card, usually plastic or metal, with a unique credit card number and a three-digit card verification value (CVV) number for added security. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a9049bad-8722-49a5-8360-524942e9896b\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen you apply for a credit card, the financial institution asks for various information related to your income and debts and then pulls your credit report to determine how much credit they are willing to extend to you. For example, the company may decide that your maximum available credit is $10,000. The company may also have a daily limit and a transaction limit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe card issuer will also determine your annual percentage rate (\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fwhat-is-apr\u002F" target="_blank"\u003EAPR\u003C\u002Fa\u003E), which is the rate they charge you on any outstanding balance after the payment due date, after the introductory period, if one is offered. These rates are usually high and range from 14.99% to over 21.99%. This is your cost of borrowing the money. Unless you pay the balance in full before the end of each billing cycle, you can avoid paying any interest fees.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EEach time you make a purchase using the credit card, the purchase amount is deducted from your available credit until you pay it back. The card is tied to a billing cycle, and at the end of each cycle, the credit card company issues a statement itemizing the transactions you've made during that cycle, your total balance, minimum payment due, and due date.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How do credit cards work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a4c58dc2-da24-4ad4-919f-05b2f003871b\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are two similarities between credit and debit cards. First, they are both tied to a financial institution. And second, they are both usually physical cards. Otherwise, debit and credit cards are entirely different.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fwhat-is-a-debit-card\u002F" target="_blank"\u003EWhat is a debit card?\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EDebit cards are connected to an active bank account, usually a checking account. Using a debit card is much like writing a check, except the debit card will immediately be declined if there are not adequate funds for the purchase.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFor example, if you have a traditional debit card tied to a checking account with a $500 balance, and you use your debit card to make a $600 purchase, the card will be declined. If you've chosen overdraft protection from your bank, the transaction may be approved depending on the bank's amount of protection.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EDebit cards do not permit you to incur debts and do not impact your credit score.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Does a credit card work differently than a credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5eb92d38-61c5-4c59-bdc2-a8e4753b4590\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit card usage is an excellent way to build credit and gain rewards if used responsibly. Building or improving your credit is important for many financial decisions in the future, like car loans, rental approvals, business endeavors, and even insurance rates.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBut using a credit card doesn't come without risks. The good news is that you can offset those risks or avoid them entirely.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002F5-credit-cards-you-can-and-should-keep-forever\u002F" target="_blank"\u003EThe 5 best credit cards you can (and should) keep forever\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\" data-hed=\"Do I need a credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8a37bbc8-409b-4bdf-a61d-201d9df4e6a2\" data-edition=\"us\" data-description=\"\u003Cp\u003EOne of the biggest risks of credit card usage is incurring too much debt. Using a credit card is easy, and since it doesn't require you to have the funds readily available, it is sometimes tempting to buy things you don't have the money to pay for. One simple way to avoid this is to establish the habit of paying the credit card balance every week or even every few days. Make a purchase? Pay it off as soon as it posts to the credit card account. Before you make the purchase, ask yourself, "Do I have the funds, right now, to pay this off?" Only make the purchase if the answer is "yes."\u003C\u002Fp\u003E\u003Cp\u003EAnother significant risk is late payments. If you charge more on the card than you can afford to pay or simply forget to make a payment, it can have a major negative impact on your credit score and also result in late fees and loss of your introductory APR.&nbsp;\u003Ca href="https:\u002F\u002Fwww.myfico.com\u002Fcredit-education\u002Fwhats-in-your-credit-score" target="_blank"\u003EPayment history makes up 35% of your FICO score\u003C\u002Fa\u003E, which means that it has a big impact on your overall score. Eliminate this risk by making regular payments on the card, whether doing so each week, setting up reminders for payments, or enrolling in automatic payments.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAnnual fees are another thing to consider with credit cards. Depending on the card you sign up for, there could be an annual fee which will be automatically paid each year on your card. These are usually associated with rewards cards. Review all details of a card before you apply for it to avoid surprise fees you're not prepared to pay.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"The risks of using credit cards (and how can you avoid them)\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d32ebc8b-fb05-498d-aa0f-2f3e8572718a\" data-edition=\"us\" data-description=\"\u003Cp\u003EStart by writing down your goals for using a credit card. If you're looking for a card to help improve a poor credit score, consider researching&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-starter-credit-card-for-no-credit\u002F" target="_blank"\u003Esecured credit cards\u003C\u002Fa\u003E&nbsp;to get started. If you're interested in using a credit card to gain rewards, consider the type of rewards you're seeking. For example, are you looking for cash back, travel\u002Fmiles, points, or a combination of different rewards? Or maybe you're starting a new venture and are looking for the best high-limit credit cards.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002F10-things-to-know-before-getting-your-first-credit-card\u002F" target="_blank"\u003E10 things to know before getting your first credit card\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EOnce you've determined specifically what your goals are for using a card, start looking for cards that meet those goals. But in the meantime, also consider details like:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPR\u003C\u002Fli\u003E\u003Cli\u003EFees\u003C\u002Fli\u003E\u003Cli\u003ERewards program\u003C\u002Fli\u003E\u003Cli\u003EPerks (rental car discounts, hotel discounts, introductory bonuses, etc.)\u003C\u002Fli\u003E\u003Cli\u003EMobile app option\u003C\u002Fli\u003E\u003Cli\u003ECompany reputation\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How to shop for a credit card\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7d3c78bd-9da5-40ec-93f8-ffc1e4fcc56c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThis depends on your usage of the card, your current debt levels, how many other credit cards you have, and more. If your debts are not too high and you do not already have a large number of cards and available credit, a good credit card you pay off regularly to avoid paying interest can be a great way to improve your credit score.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Does a credit card help build good credit history?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"53c2762a-b798-48ec-bb16-6538fcf379df\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit cards offer great fraud protection. Major credit card companies have built-in measures to identify and alert any fraudulent behaviors. But if something does slip through, your maximum liability is $50 as stated by federal law \u003Ca href="https:\u002F\u002Fwww.nolo.com\u002Flegal-encyclopedia\u002Funauthorized-credit-debit-card-charges-29654.html" target="_blank"\u003E12 C.F.R. § 1026.12.\u003C\u002Fa\u003E Unlike a debit card, the money spent comes from the card issuer, not from you.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are credit cards safer than debit cards or other ways of spending?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0440f8d7-dc8a-4ada-916a-4c99c0a2dcab\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf your credit is in the poor category due to lack of credit or poor credit history, your credit card options may be limited -- but there are still options available to you. Look for secured options, and, depending on your situation, there may also be unsecured options for \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-starter-credit-card-for-no-credit\u002F" target="_blank"\u003Ebeginner credit cards\u003C\u002Fa\u003E.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How do credit cards work for people with bad credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-27 19:58:00",timezone:"UTC",updated:c,published:c},description:"What really happens when you use a credit card? Read on to find out how to make payments, earn rewards, and build credit through your everyday expenses.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c6816971-4439-4ae1-9a81-5358d533c56e",image:{id:"be5ca1a7-76b6-11e4-b569-d4ae52e95e57",filename:"credit-card-fraud-can-be-stopped-heres-how.jpg",dateCreated:{created:c,date:"2014-11-28 04:26:37",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2014\u002F11\u002F28\u002Fbe5ca1a7-76b6-11e4-b569-d4ae52e95e57\u002Fcredit-card-fraud-can-be-stopped-heres-how.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:300,height:201,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-do-credit-cards-work",startYear:c,summary:b,title:"How do credit cards work?: A simple guide",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"74cfda70-fed9-47f5-b27e-f508b105c76f",username:"Mandy Sleight",profileUrl:c,email:c,firstName:"Mandy",lastName:"Sleight",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"887522cb-bafd-4ac6-bef5-89319a0851ec",filename:"mandy-sleight-author.png",dateCreated:{created:c,date:"2021-07-06 17:22:43",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F887522cb-bafd-4ac6-bef5-89319a0851ec\u002Fmandy-sleight-author.png",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Mandy Sleight has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar, and has been a licensed insurance agent since 2005. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EEven the savviest and most trusting online shopper may feel nervous when entering their credit card information into a website to make an online purchase. You can do everything right to protect your identity and personal information and still become a victim of hacking when a retailer experiences a data breach. \u003C\u002Fp\u003E\u003Cp\u003EIn 2021, some well-known retailers \u003Ca href=\"https:\u002F\u002Fwww.identityforce.com\u002Fblog\u002F2021-data-breaches\" target=\"_blank\"\u003Ewere victims of hackers\u003C\u002Fa\u003E, resulting in data breaches for millions of Americans. The California DMV, CVS Health, Wegmans, Kroger, T-Mobile, Microsoft Exchange, Hobby Lobby, Facebook, Geico, FitBit, and Apple are just a few of the companies victimized last year. \u003C\u002Fp\u003E\u003Cp\u003EShopping online and housing your data there is a convenience most people aren't ready to give up. Consider using virtual credit card numbers to thwart the hackers and add a layer of security to your online life. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e0cd1578-53eb-4306-b70d-b34dcde8b334\" data-edition=\"us\" data-description=\"\u003Cp\u003EVirtual credit card numbers are a sequence of numbers issued by your credit card company that can be used in place of your actual credit card number.\u003C\u002Fp\u003E\u003Cp\u003EA virtual credit card number works similar to a chip credit card. It creates a one-time-use sequence of numbers or a token when shopping with an online merchant instead of entering your physical credit card number into the website.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIf the website ends up getting hacked and credit card numbers are exposed, the virtual credit card number can't be traced back to you personally. This online shopping method can protect your identity and prevent scammers and other thieves from getting your real credit card number to do their own shopping on your credit.\u003C\u002Fp\u003E\" data-hed=\"What are virtual credit card numbers?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e1bd3f8e-672f-4cdd-8803-e17e3d925cec\" data-edition=\"us\" data-description=\"\u003Cp\u003ESeveral credit card issuers offer virtual credit card numbers to provide their customers with an added layer of protection.\u003C\u002Fp\u003E\u003Cp\u003ECapital One offers a virtual credit card number through Eno, its virtual assistant. You download the Eno browser extension and register your Capital One credit card through Eno. When you're ready to checkout, Eno creates a virtual credit card number for you to pay with. Eno can also store virtual card numbers for use again at the same merchant.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fyour-personal-data-is-valuable-and-dangerous-in-the-wrong-hands-its-time-to-protect-it-better\u002F" target="_blank"\u003EHow to protect your personal data online\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EIf you're a Citi card user, certain Citi credit cards have a virtual account number feature you can activate in the card benefits section of your online account. Each purchase made will show on your account state with the virtual number used to help you track transactions.\u003C\u002Fp\u003E\u003Cp\u003ETitanium Apple card users can access their Apple Pay account to find their virtual credit card numbers. This is especially useful when making purchases where Apple Pay is not yet an acceptable payment method.\u003C\u002Fp\u003E\u003Cp\u003ELike Chase and Wells Fargo, other credit card issuers allow users to create virtual credit card numbers in their digital wallets. They can be used to make purchases online with Apple Pay, Google Pay, and Samsung Pay.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAmerican Express gives users the option for an instant card number on some credit cards, which can be loaded into your digital wallet for immediate use. You don't have to wait until your physical card comes in the mail to do your shopping.\u003C\u002Fp\u003E\u003Cp\u003EIf you're unsure if your card issuer offers a virtual credit card number option, it's best to ask them directly if this is an option for making secure payments.\u003C\u002Fp\u003E\" data-hed=\"Which credit card issuers offer virtual credit card numbers?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5953dbae-766b-4125-b809-82e719d67364\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhat's the difference between virtual credit cards and digital wallets? A digital wallet is an app you can download that houses your debit and credit card information securely. It can be used as a form of contactless payment both online and in-person, as long as the merchant has the&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card-reader\u002F" target="_blank"\u003Eright equipment\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003ELike a chip credit card and virtual credit card, a digital wallet provides a one-time token or code to complete the transaction. Your credit card number and account information are hidden from the merchant and any potential hackers that can get data during a cyberattack.\u003C\u002Fp\u003E\u003Cp\u003ENot all digital wallets work the same, whether you use one from your credit card issuer, Apple Pay, Google Pay, or another app.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fcybercrime-can-be-the-biggest-threat-to-business-growth\u002F" target="_blank"\u003EHow business owners can protect their businesses from cybercrime\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\" data-hed=\"Virtual credit cards vs. digital wallets\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"43306349-bc4d-468f-89e7-435b7d913150\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EAdded security:\u003C\u002Fstrong\u003E&nbsp;Online thieves can't easily access your real account or credit card information with a virtual credit card number. This means if there's a breach, you likely won't have to close your existing card, get a new one, and then reset your recurring transactions.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EConvenience:\u003C\u002Fstrong\u003E&nbsp;Virtual credit card numbers can be created instantly, so you never have to wait if you're making an impromptu purchase and want your personal data protected. You can also set spending limits and expiration dates, adding more flexibility to virtual credit card usage.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ECan be used one time or multiple times:\u003C\u002Fstrong\u003E&nbsp;While some virtual credit card numbers are meant for one-time use, others can be used repeatedly, like the Capital One assistant Eno extension.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ETransactions are posted to account statements:\u003C\u002Fstrong\u003E&nbsp;When you make an online purchase with a virtual credit card number, it shows up on your account statement just like a purchase made with the physical credit card, as long as both are linked.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Pros of virtual credit cards\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1970f58d-b9c9-4d74-b6a8-39515cf21c0f\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ENot for in-person use:\u003C\u002Fstrong\u003E&nbsp;Though this may change in the future, for now, virtual credit card numbers can only be used to shop online or over the phone. If you must have a physical card to make a purchase, then a virtual credit card number isn't an option.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EMay have trouble with refunds:\u003C\u002Fstrong\u003E&nbsp;If you need to return an item for a refund, you could run into trouble when using a virtual card number. Some retailers will only return to the original payment method, which may not work if the card number has since expired. And if you make an in-person return and you can't provide the physical card to match the number used, you may have to settle for store credit or make an exchange instead of a return. If your virtual credit card number isn't linked to your credit card account, this can also happen.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ECould complicate reservations:\u003C\u002Fstrong\u003E&nbsp;If you make travel reservations online using a virtual credit card number, it could complicate check-in for your hotel, flight, or rental car. If the company requests your card to confirm the reservation when you check-in, you might have to call your card issuer or bank to verify the transaction, as the reserving company can't access your account any other way.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Cons of virtual credit cards\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f3414b53-5c34-4b7d-a3b1-40c9b3c1931f\" data-edition=\"us\" data-description=\"\u003Cp\u003ESetting up a virtual credit card can differ by the issuer. For most, you'll log into your account line and go to your account settings or cardmember benefits section to request a virtual card number. You may have to download the issuers' app or use it more than once to access the card number.\u003C\u002Fp\u003E\" data-hed=\"How do I set up a virtual credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f0736eb6-eaf7-422d-bfd5-9ad072ed368c\" data-edition=\"us\" data-description=\"\u003Cp\u003EVirtual credit card numbers work just like a physical credit card number, except you can only use it online or for other card-not-present transactions, like making a phone purchase. You create the virtual credit card number through your bank or credit card issuer, then use it in place of the physical card number when making a purchase.\u003C\u002Fp\u003E\" data-hed=\"How do virtual credit card numbers work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"03548b30-3c27-48e0-b2b4-755e7d273c0b\" data-edition=\"us\" data-description=\"\u003Cp\u003EVirtual credit card numbers are safe when making purchases because you aren't giving a merchant your real credit card number. Even though a virtual card number can be seized during a data breach, you won't have to cancel your card, request a new one, and then reset your card information for recurring payments. Instead, you can simply report any fraudulent transactions and cancel the virtual card number if it's still active. Plus, virtual card numbers are one -ime use unless you set them up to be used more than once.\u003C\u002Fp\u003E\" data-hed=\"How safe are virtual credit card numbers?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"69ca20a6-ec28-472a-980e-b0ce2a752647\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou cannot use a virtual card at an ATM because the physical card needs to be read by the ATM to access your account.\u003C\u002Fp\u003E\" data-hed=\"Can I use virtual card at ATM?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cbr\u003E\u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-27 19:41:00",timezone:"UTC",updated:c,published:c},description:"Virtual credit card numbers are temporary card numbers your credit card company issues for you when you're shopping online. Using one can protect your private financial information and personal data.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"d82d3994-5990-4e86-8aba-77873913afe9",image:{id:"bd65d396-70e6-4b67-85fc-8378ef2c3196",filename:"istock-12175457731.jpg",dateCreated:{created:c,date:"2020-05-05 14:08:45",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Getty Images\u002FiStockphoto",caption:"\u003Cp\u003EHands holding credit card and using laptop. Online shopping. work from home concept\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2020\u002F05\u002F05\u002Fbd65d396-70e6-4b67-85fc-8378ef2c3196\u002Fistock-12175457731.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:770,height:513,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"what-are-virtual-credit-card-numbers-and-how-do-they-work-a-complete-guide",startYear:c,summary:b,title:"What are virtual credit card numbers and how do they work? A complete guide",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"294e47d5-10d6-11e4-9732-00505685119a",username:"Ed Bott",profileUrl:c,email:c,firstName:"Ed",lastName:"Bott",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"e98b0a76-a96a-4fbb-be02-00807405874e",filename:"ed-bott.jpg",dateCreated:{created:c,date:"2022-08-05 15:06:03",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fe98b0a76-a96a-4fbb-be02-00807405874e\u002Fed-bott.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Ed Bott is an award-winning technology writer with more than two decades' experience writing for mainstream media outlets and online publications. He has served as editor of the U.S. edition of PC Computing and managing editor of PC World; both publications had monthly paid circulation in excess of 1 million during his tenure. He is the author of more than 25 books, including Windows 10 Inside Out (now in its 4th edition) and Windows 11 Inside Out (scheduled for publication in 2022).",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"6419e2e3-0bb0-44d2-84b1-51c08c8bf607\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Getty Images\" data-image-alt-text=\"pile of money dollars\" data-image-filename=\"gettyimages-1327279072-pile-of-money2.jpg\" data-image-date-created=\"2022\u002F04\u002F04\" data-image-width=\"5113\" data-image-height=\"3834\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWhen you're about to make a big purchase, you probably do hours of research to find the best deal. Maybe you save a couple of  hundred bucks along the way. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"3f27660f-fa37-417e-ab02-4c2d6088085e\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F3f27660f-fa37-417e-ab02-4c2d6088085e\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBut what if I told you that you could save just as much -- and maybe a lot more -- every month? All you have to do is take a closer look at the dozens of small purchases you make every month, especially those automatic monthly bills you pay and don't even think about. \u003C\u002Fp\u003E\u003Cp\u003EThe classic example, of course, is a health club membership, where you sign up in January and make your last visit sometime around Groundhog Day. Gym owners count on people paying even if they don't use the service -- and they make it as difficult as possible to cancel your membership.\u003C\u002Fp\u003E\u003Cp\u003EIn this post, I've collected some of my favorite money-saving tips, most of which come down to reviewing those small transactions regularly, with the help of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmicrosoft-to-do-vs-google-tasks-the-best-list-manager-app-for-you\u002F\" target=\"_blank\"\u003Ecalendar reminders\u003C\u002Fa\u003E. Yes, this stuff can be a hassle, but I prefer to think of it as an investment, just like a stock that pays a dividend. In exchange for a little work now, you get to collect savings every month. At the end of the year, you'll be shocked at how much your total savings will be. \u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EShift your domains to a lower-cost registrar \u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EIf you have a small business, even a side hustle, you probably own a few internet domains. Owners of small to medium-sized businesses sometimes have a substantial collection of these web addresses, each of which comes with an annual bill. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"4e352ee7-9e8b-4e2c-a565-83359ecef1db\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F4e352ee7-9e8b-4e2c-a565-83359ecef1db\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ELots of businesses still have domains registered with Network Solutions, which used to be literally the only place where you could register a .com domain -- and the legacy registrar still charges like it has a monopoly. For a two-year domain registration, I was quoted a price of $25 for each of the first two years, with a $37.99 annual cost for subsequent renewals. Oh, and privacy protection is $1.99 every four weeks, or $25.87 per year. After five years, you've paid Network Solutions just under $300 for a single domain. \u003C\u002Fp\u003E\u003Cp\u003EDomain registrars often attract new customers by offering a great deal on the initial registration, then make up for it by jacking up the price for renewals. GoDaddy, for example, offers a .com domain for a penny for the first year; then, in the small print, they confess that a 2-year purchase is required and the second and subsequent years will be billed at $19.99. Privacy protection is free, at least. After five years, you've spent $80 on that domain. \u003C\u002Fp\u003E\u003Cp\u003EAt $12 a year, you'd come out way ahead with \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"bfaad394-7dd3-4625-b1fd-c68afa7754ce\" data-raw-url=\"https:\u002F\u002Fdomains.google\u002F\" data-link-shortcode-text=\"Google Domains\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E, which also offers privacy protection for free. \u003C\u002Fp\u003E\u003Cp\u003EOf course, factors like reliability and security should be at the top of your list, but there are plenty of high-quality domain registrars that don't cost an arm and a leg. Switching to a less expensive domain registrar can cut your annual bill dramatically. \u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003ECut your cellphone bill down to size \u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EHow much do you pay every month for cell phone service? Your current plan was probably a good deal when you signed up for it years ago, but you might be able to find a better deal with a little comparative shopping. Given the competition among US carriers, you might be able to lock in savings that add up to hundreds of dollars over the course of a year. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"bcfcf706-c652-429d-98f8-bc8e678e6ca8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fbcfcf706-c652-429d-98f8-bc8e678e6ca8\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe best offers are typically available when you change carriers, because those companies are willing to give new customers big incentives to switch, typically as a prepaid credit card. If you're still paying monthly for a phone you purchased last year, for example, the new carrier might be willing to pay off that device as an inducement for you to switch. \u003C\u002Fp\u003E\u003Cp\u003EEvery carrier offers discounts for active military personnel, veterans, and first responders. Some offer discounts for nurses, teachers, and students as well. If the primary account holder in your family is over 55, it's worth checking out \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"e22d92ff-9633-49c8-a078-502226a03c34\" data-raw-url=\"https:\u002F\u002Fwww.t-mobile.com\u002Fcell-phone-plans\u002Funlimited-55-senior-discount-plans\" data-link-shortcode-text=\"T-Mobile's Unlimited 55+ plans\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E; you can get two lines with unlimited data, calls, and texting for $35 each (taxes and fees included). That Magenta 55+ plan is $50 a month less than the exact same Magenta+ plan for customers under 55, for a total savings of at least $600 a year. \u003C\u002Fp\u003E\u003Cp\u003EIf you don't want to change carriers, ask your current carrier if they offer an employee discount. If you have a company email address, it's easy to check. \u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EUse a 0% credit card offer to finance your next major purchase \u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EHow many big purchases are you going to make this year? Are you planning to replace your computer, buy new mobile phones, or upgrade your video conferencing hardware in your conference room? \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-business-credit-card-zero-percent-apr\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best business credit cards with 0% APR\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EEven in a small office, that can represent a big expenditure. You could pay for the whole thing in cash, or you could use a line of credit. But why not take advantage of the opportunity to open a new business credit card that offers 0% interest on purchases and balance transfers? This type of offer is available regularly, with no-interest periods that run as long as two years. The result can add up to hundreds or even thousands of dollars in savings compared to the interest you'd otherwise pay. \u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EGet extra perks from your credit card \u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EIf you're not already getting at least 1% of the purchase price back for every transaction you make using your business and personal credit cards, it might be time to switch. It helps if you know where you do most of your spending, because credit cards can have a dizzying matrix of reward categories. The \u003Ca href=\"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26682604&cr=28296&last_updated=1598579208\" target=\"_blank\"\u003EChase Ink Business Preferred card\u003C\u002Fa\u003E, for example, offers 3X points on each dollar for spending on shipping, search engine advertising, internet, cable, phone services, and travel on the first $150,000 spent each year. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"72269cb0-44b0-42aa-9f63-41d8d950d6ff\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F72269cb0-44b0-42aa-9f63-41d8d950d6ff\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAnd if you do most of your purchases at Amazon or Costco, check out their personal and business cards, which are especially generous in terms of cash back. \u003C\u002Fp\u003E\u003Cp\u003EBut don't stop at cash back. These days, card issuers compete for your business by offering additional discounts, typically offered as statement credits. The \u003Ca href=\"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681953&cr=28268&last_updated=1598565036\" target=\"_blank\"\u003EAmerican Express Blue Business Plus card\u003C\u002Fa\u003E is especially rich in this regard, currently offering 10% back on purchases at Dell, with a maximum statement credit of $1500 per year. You also get 50% off FedEx shipping, up to a total of $1000. And there's no annual fee. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-amex-business-card\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best American Express business cards\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EFinally, look at extra perks like cell phone protection, which reimburses you if your mobile device is lost, stolen, or damaged. Just be sure you pay your monthly wireless bill in full with the card that offers this coverage. \u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EDon't let free trials turn into recurring charges \u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EMost online services offer a free trial, so you can evaluate the product and see whether it meets your needs. Invariably, they insist that you supply a credit card number that they can begin charging as soon as the free trial ends. If you forget to cancel, the recurring charges can add up: $10 here, $20 there, pretty soon you're talking serious money. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fchase-ink-business-cash-vs-preferred-vs-unlimited-which-is-best-for-your-business\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EChase Ink Business Cash vs. Preferred vs. Unlimited: Which credit card is best for you?\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIt sounds counterintuitive, but the best way to avoid those accidental unwanted charges is to sign up for a free trial and then immediately cancel the services. Most services will allow you to continue using the service until the trial period runs out. If you like the service and want to continue, you can return to the account management page and turn those automatic payments back on. If not, you're off the hook. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"45df0e42-b958-4ab7-8b38-aa6976f95b5b\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F45df0e42-b958-4ab7-8b38-aa6976f95b5b\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAn even more foolproof way to avoid unwanted charges is to set up a virtual credit card using the \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"ebc8d0e6-5a62-414e-baaf-e290a24749d0\" data-raw-url=\"https:\u002F\u002Fprivacy.com\u002Fpricing\" data-link-shortcode-text=\"privacy.com service\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E. For personal accounts, the service is free and allows you to set up as many as 12 cards a month, each of which can be limited to a specific merchant, to a specific charge amount, or a total amount. They can also be time-limited and canceled with one click. For $10 a month, the Pro account gives you 1% back on purchases along with the ability to create up to 36 cards per month. \u003C\u002Fp\u003E\u003Cp\u003ERegardless of which method you use, I recommend checking your credit card activity at least twice per month. Those regular inspections allow you to see unexpected charges and dispute them promptly; they also give you a heads-up about any recurring charges that you might need to cancel. If you find even one dubious charge or a subscription you no longer need to pay for, the effort will have been worth it. \u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EPick your next PC a year in advance \u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EWhen PC makers unveil new models with fast, cutting-edge CPUs, they rarely offer discounts. If you want to be the first on your block with that technology, you can expect to pay a premium for the privilege. \u003C\u002Fp\u003E\u003Cp\u003EBut guess what? The prices on those models usually go down a few months later, and they'll drop again a year later when the even newer models with the even faster, even more cutting-edge CPUs are introduced. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-chose-the-right-pc-everything-you-need-to-know-about-picking-the-right-computer-for-work\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EHow to choose the right PC: Everything you need to know about picking a computer for work\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIf you're convinced a just-announced PC model is perfect for you, set a reminder in your calendar for six months later and check the price. Then keep checking every month or so, and be ready to buy when you see a proper price cut. \u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003ECheck the online outlet stores before you buy your next PC, tablet, or smartphone \u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EAll of the leading PC makers (including Apple) offer no-questions-asked return policies for the computers they sell online. If you take delivery of a new Windows PC or Mac, you typically have 14 days to try it out. If you don't like it, you can return it for a full refund. If you buy direct from a mobile device manufacturer, you typically get the same return conditions. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d2c8d2e3-a125-48c1-b8aa-af507b069739\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd2c8d2e3-a125-48c1-b8aa-af507b069739\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhere-to-buy-used-laptop-deals\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EWhere to buy a used laptop\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ESo, what happens to those practically brand-new, barely used devices? They become incredible bargains for smart shoppers like you. They're inspected, refurbished, repackaged, and then sold with a full warranty, at a significant discount from the price that you would pay for the exact same product new. \u003C\u002Fp\u003E\u003Cp\u003EEarlier this year, for example, I saved more than $1,000 on a new Dell Precision Workstation by shopping at \u003Ca href=\"https:\u002F\u002Fwww.dell.com\u002Fen-us\u002Fdfh\u002Fshop\u002Fdell-refurbished\u002Fcp\u002Foutlet\" target=\"_blank\"\u003EDell's online outlet store\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EInventory turns over quickly at these online outlets, and the best bargains disappear quickly. The best shopping strategy is to visit regularly for a few weeks to get an idea of what models and prices are available, then be ready to buy when you see your ideal configuration appear. \u003C\u002Fp\u003E\u003Cp\u003ENote: These sites are US only. \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EApple\u003C\u002Fstrong\u003E: \u003Ca href=\"http:\u002F\u002Fwww.apple.com\u002Fshop\u002Frefurbished\" target=\"_blank\"\u003Ewww.apple.com\u002Fshop\u002Frefurbished\u003C\u002Fa\u003E \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EDell:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.dell.com\u002Fen-us\u002Fdfh\u002Fshop\u002Fdell-refurbished\u002Fcp\u002Foutlet\" target=\"_blank\"\u003Ehttps:\u002F\u002Fwww.dell.com\u002Fen-us\u002Fdfh\u002Fshop\u002Fdell-refurbished\u002Fcp\u002Foutlet\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ELenovo:\u003C\u002Fstrong\u003E \u003Ca href=\"http:\u002F\u002Fwww.lenovo.com\u002Fus\u002Fen\u002Foutletus\" target=\"_blank\"\u003Ewww.lenovo.com\u002Fus\u002Fen\u002Foutletus\u003C\u002Fa\u003E \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EHP:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fh41369.www4.hp.com\u002Fpps-offers.php\" target=\"_blank\"\u003Ehttps:\u002F\u002Fh41369.www4.hp.com\u002Fpps-offers.php\u003C\u002Fa\u003E \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ESamsung:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.samsung.com\u002Fus\u002Fsmartphones\u002Fcertified-re-newed-phones\u002F\" target=\"_blank\"\u003Ehttps:\u002F\u002Fwww.samsung.com\u002Fus\u002Fsmartphones\u002Fcertified-re-newed-phones\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"f37a5fad-68fa-4788-b71b-d43cbc406f47\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Ff37a5fad-68fa-4788-b71b-d43cbc406f47\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cstrong\u003EChange your bank \u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EA decade ago, more than half of all bank profits came from fees. But as financial tech takes over, those days are ending. If you're still doing your checking and credit card processing with a big national bank, it's worth adding up just how you're paying in fees each month. \u003C\u002Fp\u003E\u003Cp\u003EIn fact, the rise of virtual banks and payment processors means there's plenty of competition for your business. With a little comparison shopping, you can probably get a sign-up bonus and cut those fees dramatically. \u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EShop around for insurance \u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003ETimes change. So do insurance rates and coverage requirements. \u003C\u002Fp\u003E\u003Cp\u003EBetween your home and small business, you might have a half-dozen separate insurance policies. It's a good idea to review those policies annually to make sure your coverage is correct and your rates are competitive. \u003C\u002Fp\u003E\u003Cp\u003EOne of the easiest ways to get significant savings is to consolidate your coverage and take advantage of multi-policy discounts. You might also qualify for a discount if you're over 55 or if you have a monitored security and fire alarm system; some companies even offer discounts for installing smart home technology, like leak detectors that can shut off the water and send you an alert before you incur significant damage. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-06 14:25:59",timezone:"UTC",updated:c,published:c},description:"Our money-saving tips can add up to thousands of dollars back every year. Sometimes it does pay to sweat the small stuff.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"46f37a92-eabd-40c2-9329-b5c5e1744586",image:{id:"6419e2e3-0bb0-44d2-84b1-51c08c8bf607",filename:"gettyimages-1327279072-pile-of-money2.jpg",dateCreated:{created:c,date:"2022-04-04 14:28:29",timezone:"UTC",updated:c,published:c},alt:"pile of money dollars",credits:"Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F04\u002F04\u002F6419e2e3-0bb0-44d2-84b1-51c08c8bf607\u002Fgettyimages-1327279072-pile-of-money2.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:5113,height:3834,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Business^SMB",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-to-save-your-business-500-or-more-every-month",startYear:c,summary:b,title:"How to save your business $500 (or more) every month",topic:{id:"114a15be-ec91-11e3-95d2-02911863765e",slug:"smb",name:"SMB",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"114a15be-ec91-11e3-95d2-02911863765e",slug:"smb",name:"SMB",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"110769e8-ec91-11e3-95d2-02911863765e",slug:"pcs",name:"PCs",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"926c7fe3-bac7-46e3-b421-bf633d90ee73",slug:"productivity",name:"Productivity",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"ce33fdff-0432-4851-97fd-757c73c3f97f",username:"sandyjohn",profileUrl:c,email:c,firstName:"Sandy",lastName:"John",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"c5cba8ba-8491-460e-a2ed-b0312a2c027f",filename:"sandy-john-headshot.jpg",dateCreated:{created:c,date:"2022-04-29 17:50:19",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F04\u002F29\u002Fc5cba8ba-8491-460e-a2ed-b0312a2c027f\u002Fsandy-john-headshot.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Sandy John is a writer who specializes in personal finance, real estate, and homeownership. Her writing has been featured on sites including CNET, HomeLight, and The Simple Dollar.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"2f835053-b675-4bbc-8f6d-7497b68d2f0b\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"(Image: Pattarisara Suvichanarakul \u002F EyeEm \u002F Getty)\" data-image-alt-text=\"gettyimages-1224813656.jpg\" data-image-filename=\"gettyimages-1224813656.jpg\" data-image-date-created=\"2022\u002F03\u002F25\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EUnless you plan to go through life paying for everything with cash or crypto, you need to fix your bad credit. Poor credit, and the low credit score that comes with it, lowers your ability to open a new credit card or to get a loan. If you do get a mortgage or car loan with bad credit, you'll pay a higher interest rate than you would with good credit.\u003C\u002Fp\u003E\u003Cp\u003EBad credit can affect other parts of your life, too. For example, insurers, landlords and employers may decide not to insure you, rent to you, or hire you if you have bad credit.\u003C\u002Fp\u003E\u003Cp\u003EFixing bad credit requires patience and discipline, but you can do it.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d6105495-4dab-4c75-b55d-440e74f891b4\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo repair your credit, you first need to know how bad it is. To do that, order copies of your credit report. From there, get any incorrect information removed from your file. Then you need to establish a record of good money management to show that you can handle credit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFixing bad credit is a long game. Improving your credit score takes time, and you must maintain good habits to keep your credit clean.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EOrder your credit report\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThe three major credit bureaus in the United States are Experian, Equifax, and TransUnion. Creditors, such as credit card companies and student loan servicers, notify the bureaus about how you're keeping up with your bills. The bureaus also share the information with other businesses when they check your credit. So you should check your file with all three bureaus.\u003C\u002Fp\u003E\u003Cp\u003EThankfully, federal law allows you to see a free copy from each reporting company once every 12 months. (All three bureaus are letting consumers access their reports weekly through 2022 because of the pandemic.) Order them through&nbsp;\u003Ca href="https:\u002F\u002Fwww.annualcreditreport.com\u002Findex.action" target="_blank"\u003EAnnualCreditReport.com\u003C\u002Fa\u003E. After answering some questions to prove your identity, you can download each report.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fhow-to-check-your-credit-score\u002F" target="_blank"\u003E\u003Cstrong\u003EHow to check your credit score\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EYour credit score is calculated based on the information in your credit file, and each bureau calculates it a little differently. However, \u003Cstrong\u003Eyour credit score isn't part of your credit file.&nbsp;\u003C\u002Fstrong\u003ESome credit card companies provide the number to their cardholders (check your account online). You can also get your score if you sign up for an identity theft monitoring or credit score monitoring service: the credit bureaus and third-party providers offer these services.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EDispute any errors in your credit report\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EReview your credit report, \u003Ca href="https:\u002F\u002Fwww.consumerfinance.gov\u002Fask-cfpb\u002Fwhat-are-common-credit-report-errors-that-i-should-look-for-on-my-credit-report-en-313\u002F" target="_blank"\u003Elooking for inaccurate information\u003C\u002Fa\u003E like accounts that don't belong to you, late payments you made on time, the same debt listed multiple times, and incorrect account balances. If you find mistakes on your report, contact the credit bureau whose report has the incorrect information. The instructions are on the credit report, and you can \u003Ca href="https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Fcredit-education\u002Ffaqs\u002Fhow-to-dispute-credit-report-information\u002F" target="_blank"\u003Estart the dispute\u003C\u002Fa\u003E online, by phone, or by mail.\u003C\u002Fp\u003E\u003Cp\u003EThe dispute form asks you to explain what information is wrong, and you may have to provide documentation to back up your claim. For example, you may have to provide a credit card statement showing you paid the bill on time.\u003C\u002Fp\u003E\u003Cp\u003EThe credit bureau will also ask the creditor that reported the information to check their records. Ultimately, the credit bureau is supposed to correct inaccurate information, remove information it can't verify, and keep information it verified as accurate in the credit file. The bureau won't remove correct information, even if it's negative.\u003C\u002Fp\u003E\u003Cp\u003EHowever, the Consumer Financial Protection Bureau reported in January 2022 that many consumers complain they aren't getting the relief they are seeking. The CFPB said the reporting agencies provided the sought-after relief in&nbsp;\u003Ca href="https:\u002F\u002Ffiles.consumerfinance.gov\u002Ff\u002Fdocuments\u002Fcfpb_fcra-611-e_report_2022-01.pdf" target="_blank"\u003Eonly 2% of complaints\u003C\u002Fa\u003E&nbsp;in 2020, \u003Ca href="https:\u002F\u002Ffiles.consumerfinance.gov\u002Ff\u002Fdocuments\u002Fcfpb_fcra-611-e_report_2022-01.pdf" target="_blank"\u003Edown from 25% in 2019\u003C\u002Fa\u003E. The CFPB also said the most common complaint consumers have is that the information in their credit report belongs to someone else, with more than 400,000 complaints falling in this category.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EWork on your credit habits\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Fcredit-education\u002Fscore-basics\u002Fwhat-affects-your-credit-scores\u002F" target="_blank"\u003EFive factors\u003C\u002Fa\u003E are important in determining your credit score, and you can take action to improve your standing in most of these categories.&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EPayment history\u003C\u002Fstrong\u003E: This is the most important factor, accounting for 35% of the FICO score, the most commonly used credit score. Payment history shows whether you pay your debts on time -- even one missed payment can hurt your score. The most important thing you can do to improve your credit score is to pay your bills on time, paying at least the minimum amount required. Set up autopay on every account possible to ensure you never make a late payment. For bills that don't come regularly, like from the dentist, pay them when you receive them.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EHow much you owe\u003C\u002Fstrong\u003E: 30% of your credit score is based on how much you owe compared to the amount of credit you have available. This is known as the&nbsp;\u003Cem\u003Ecredit utilization ratio\u003C\u002Fem\u003E. Keep the amount you owe under 30% of your available credit. If you have two credit cards, each with a $5,000 credit limit, you have $10,000 in available credit. To satisfy the 30% usage ratio, you shouldn't carry a debt of more than $3,000 combined over the two cards. If you owe more, pay the amount down and keep it under 30% going forward. Paying off old debts and paying new bills in full can help your credit score. Many people&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Flendingtree-survey-65-of-respondents-think-carrying-a-credit-card-balance-is-good-for-credit-scores\u002F" target="_blank"\u003Emistakenly believe that carrying a balance\u003C\u002Fa\u003E&nbsp;helps your score.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ECredit history\u003C\u002Fstrong\u003E: Longer credit histories result in higher scores. If you have old credit cards, keep the accounts open, even if you don't use the card. (If the card charges an annual fee, go ahead and close it.) Opening new accounts also shortens your average account age, which is 15% of the FICO score, so limit the new accounts you open.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ECredit mix\u003C\u002Fstrong\u003E: The scoring algorithm likes to see a combination of account types, such as revolving credit (credit cards), student loan, car loan, mortgage, etc. However, don't open new types of accounts just to play with the mix.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ENew credit\u003C\u002Fstrong\u003E: The score looks at new accounts and hard inquiries lenders make when they're considering extending credit to you, trimming points from your score. Taking on a lot of new credit suggests you need money, so it can hurt your credit score.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EBe patient. Your credit didn't get bad overnight, and you can't fix it overnight. Stick to your plan, and you should see some improvement within several months. How quickly you see improvement can depend on issues like how delinquent your accounts are and other negative information in your credit file.\u003C\u002Fp\u003E\" data-hed=\"How to fix your bad credit\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5e801bfa-7214-4043-8ce0-8ccb7ed4f71e\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe most important step to fix your bad credit is to start paying all of your bills on time. If you have delinquent accounts, bring them up to date, then put them on autopay so you never miss another payment. \u003Ca href="https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Fhow-long-does-it-take-to-repair-your-credit\u002F" target="_blank"\u003EPaying down the amount you owe on credit cards and loans\u003C\u002Fa\u003E will also help improve your bad credit.\u003C\u002Fp\u003E\u003Cp\u003EConsider using a&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fthe-best-balance-transfer-card-2022\u002F" target="_blank"\u003Ebalance transfer card\u003C\u002Fa\u003E&nbsp;with 0% APR to consolidate your credit card debts and save money while you pay them off. Use the card solely to pay off old debts, and don't rack up any more by charging new stuff to the account.\u003C\u002Fp\u003E\" data-hed=\"How do you ultimately fix your bad credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"759b8d4e-5a90-4d7b-bc59-0627e89c4e88\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit repair services can't do anything more than you can do for free. Many&nbsp;\u003Ca href="https:\u002F\u002Fconsumer.ftc.gov\u002Farticles\u002Fcredit-repair-scams" target="_blank"\u003Ecredit repair services are scams\u003C\u002Fa\u003E&nbsp;that encourage you to commit fraud, such as lying on loan credit applications, the Federal Trade Commission warns. You are better off getting your free credit report, disputing any items, and putting your money toward paying off debt rather than paying for a rip-off repair service.\u003C\u002Fp\u003E\" data-hed=\"Do credit repair services work? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ba9945e8-40a4-4ef3-be78-13d7823dd0f4\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.nfcc.org\u002F" target="_blank"\u003EThe National Foundation for Credit Counseling\u003C\u002Fa\u003E&nbsp;is a nonprofit network of credit counseling agencies. Member agencies can help clients with debt issues, including developing a debt management plan that provides an affordable monthly payment.\u003C\u002Fp\u003E\" data-hed=\"Where can I find help managing my debt?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e9bbe19b-95cc-4def-89f7-1044b2eda888\" data-edition=\"us\" data-description=\"\u003Cp\u003ECreditors may not provide information to all three bureaus, so each agency may have different information in your file. The bureaus also use different scoring models that put slightly different weight on factors like&nbsp;payment history or credit mix. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"Why is my credit score different at all three credit bureaus?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"de774f7e-00b5-401f-a882-1d1336632104\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe \u003Ca href="https:\u002F\u002Fwww.experian.com\u002Fblogs\u002Fask-experian\u002Ffico-score-what-it-is-and-why-its-important\u002F#s1" target="_blank"\u003EFICO score\u003C\u002Fa\u003E ranges from 300 to 850. Generally, a score above 740 is excellent and one between 670 and 739 is good. A score of 570 to 669 is fair and 569 or lower is considered poor. Individual lenders may adjust category ranges a little. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a bad credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-29 18:33:00",timezone:"UTC",updated:c,published:c},description:"You need to get your debt under control and pay your bills on time. Here's how you can make it work.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"09046353-08b2-4360-9f3c-ed667583aba4",image:{id:"2f835053-b675-4bbc-8f6d-7497b68d2f0b",filename:"gettyimages-1224813656.jpg",dateCreated:{created:c,date:"2022-03-25 21:17:48",timezone:"UTC",updated:c,published:c},alt:"gettyimages-1224813656.jpg",credits:"Pattarisara Suvichanarakul \u002F EyeEm \u002F Getty",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F25\u002F2f835053-b675-4bbc-8f6d-7497b68d2f0b\u002Fgettyimages-1224813656.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"how-to",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"How to fix your bad credit: Top tips and other tricks",section:b,slug:"how-to-fix-your-bad-credit",startYear:c,summary:b,title:"How to fix your bad credit",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"fb16a8fb-2621-448d-8dfb-4311229f0c08",username:"LaurieGarrison",profileUrl:c,email:c,firstName:"Laurie",lastName:"Garrison",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"41210c5a-7a68-4cbf-adf4-f9b02d427722",filename:"laurie-garrison.jpg",dateCreated:{created:c,date:"2021-08-25 21:07:11",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F08\u002F25\u002F41210c5a-7a68-4cbf-adf4-f9b02d427722\u002Flaurie-garrison.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Laurie Garrison is a Florida-based freelance writer whose specialties include sports business and sports tech. She also writes business and marketing awards entries where she has close to a 90 percent success rate. She has written for such publications as Sports Business Journal, Boston Business Journal, Charlotte Business Journal, Dallas Business Journal, Minneapolis-St. Paul Business Journal, Athletics Administration and more.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EBusinesses both large and small could benefit from having business credit cards. When company employees use business credit cards, whether for purchasing supplies, equipment, meals, or for travel, it makes it easier to keep track of the company's expenses. Payments are also made directly to the credit card company instead of individual employees. \u003C\u002Fp\u003E\u003Cp\u003EWhen employees use personal cards and must submit reimbursement claims, it becomes more difficult to track and categorize business expenses. And, instead of making one credit card payment, the company must make multiple payments if several people have business expenses. \u003C\u002Fp\u003E\u003Cp\u003EIn addition to tracking expenses, companies can benefit from having a business credit card by earning rewards and other perks.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"49fec457-5a16-48e4-a179-5cbf25e1fde0\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe process of applying for a business credit card is similar to applying for a personal card. Additionally, the types of cards available for businesses mirror what's available for personal cards. You can apply for the following types of business credit cards:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ECashback:\u003C\u002Fstrong\u003E&nbsp;You can earn a set percentage of money based on the total amount of your charges\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EPoints:\u003C\u002Fstrong\u003E&nbsp;You can get a set number of points for each dollar spent on qualifying purchases\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EMiles:\u003C\u002Fstrong\u003E&nbsp;You can earn a certain number of miles for money spent on eligible purchases\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003E0% introductory APR:\u003C\u002Fstrong\u003E&nbsp;Applies to balance transfers and\u002For purchases for a set period of time\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThere are three steps you should take to apply for a business credit card:&nbsp;\u003Cstrong\u003Echeck your credit score\u003C\u002Fstrong\u003E, \u003Cstrong\u003Eresearch your options\u003C\u002Fstrong\u003E, and \u003Cstrong\u003Esubmit your application\u003C\u002Fstrong\u003E.\u003C\u002Fp\u003E\" data-hed=\"How do you apply for a business credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"09b373ea-e8a9-4524-a93a-f9d6af0f7f11\" data-edition=\"us\" data-description=\"\u003Cp\u003EEven though your application is for your business, credit card issuers will also check your personal credit score. Typically, you'll need a personal FICO score of 670 or higher. Since your application will trigger a hard inquiry on your credit, which could cause it to drop a few points, you want to find out in advance if your score is high enough.\u003C\u002Fp\u003E\u003Cp\u003ECompanies that issue business credit cards typically use one or more of the three reporting agencies -- Equifax, Experian or TransUnion -- to check personal credit scores. Each of these agencies allows you to check your score for free every 12 months. While each agency may have a different score for you, these scores are often relatively close.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThrough their online banking services, many banks will also show you your credit score at no charge. These scores usually come from one of the three reporting agencies. You can also use independent companies like&nbsp;\u003Ca href="https:\u002F\u002Fwww.creditkarma.com\u002F" target="_blank"\u003ECredit Karma\u003C\u002Fa\u003E&nbsp;or&nbsp;\u003Ca href="https:\u002F\u002Fwww.creditsesame.com\u002Ffree-credit-score\u002F" target="_blank"\u003ECredit Sesame\u003C\u002Fa\u003E, which have programs where you can check your score at no charge. However, the scores reported through third-party companies may not be as accurate as the agencies' scores.\u003C\u002Fp\u003E\u003Cp\u003EIn addition to your personal score, you should check your company's business credit score if it has one. Unlike personal credit scores, the process of\u003Ca href="https:\u002F\u002Fwww.bankofamerica.com\u002Fsmallbusiness\u002Feducation\u002Fbusiness-credit-score\u002F" target="_blank"\u003E&nbsp;scoring credit for businesses\u003C\u002Fa\u003E&nbsp;is not standardized. Several companies provide scores to businesses, such as&nbsp;\u003Ca href="https:\u002F\u002Fwww.dnb.com\u002Fproducts\u002Fsmall-business\u002Fcheck-my-business-credit.html" target="_blank"\u003EDun &amp; Bradstreet\u003C\u002Fa\u003E,&nbsp;\u003Ca href="https:\u002F\u002Fwww.nav.com\u002Fbusiness-credit-scores\u002F" target="_blank"\u003E&nbsp;Nav\u003C\u002Fa\u003E,&nbsp;\u003Ca href="https:\u002F\u002Fwww.equifax.com\u002Fbusiness\u002F" target="_blank"\u003E&nbsp;Equifax\u003C\u002Fa\u003E, and&nbsp;\u003Ca href="https:\u002F\u002Fwww.experian.com\u002Fsmall-business\u002F" target="_blank"\u003EExperian\u003C\u002Fa\u003E, and each has different computing methods. You'll want to find out which company the card issuer you're applying to is using and check your score with that company&nbsp;prior to submitting your application.\u003C\u002Fp\u003E\" data-hed=\"How do you check your credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"60f04995-37cf-46c0-af06-0b7c304dc51b\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are several factors to consider when choosing a business credit card. These include the card-issuing company, the type of card you want, interest rates, annual fees, and financial features.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EThe company issuing the card\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EA good place to start your research is the bank where you have your business account. If you already have a relationship with a banker there, they can help you determine the best card for your needs. If you don't have a business checking account yet, you may want to look at the bank that handles your personal accounts, since, again, you have a pre-existing relationship with them.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAfter that, you can check the major national banks, such as JPMorgan Chase, Bank of America, Wells Fargo, Citigroup, U.S. Bank, Truist, PNC, and TD Bank. However, don't overlook regional banks, such as Bank of the West, BBVA Compass Bank, BMO Harris Bank, California Bank &amp; Trust, Comerica Bank, HSBC, Huntington National Bank, M&amp;T Bank, etc.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EHowever, all credit card issuers do not report your business credit activity to the commercial credit bureaus. If developing a business credit score and history is important, you'll want to choose a card issuer that does make those reports.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFinally, you'll want to find a credit card issuer that supports your type of business. Some do not offer cards to solopreneurs or non-profits, for example.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EType of business credit card\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EAs previously mentioned, you can choose a business credit card with points, cashback, miles, or a lower interest rate. Knowing how you and your employees will use the card will help with this decision. For example, if you do a lot of business traveling, you may opt for a card where you can earn miles. If you want additional items, you may want a card with points you can exchange for a variety of items in the card issuer's redemption catalog. Or, you may simply want a straight cash back card so you can decide how you want to use the money you earn from using the card.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EInterest rates\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you don't carry a balance from month to month, the rate of interest may not be important. But, if it's possible you'll carry a balance, you may prefer a card with a lower interest rate. Some business credit cards have a 0% introductory APR, which may be beneficial if you have a large purchase coming up.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EAnnual fees\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThere are annual fees associated with some business credit cards, while other cards do not charge you each year to use them. Cards with annual fees often have additional perks, so you'd need to decide if these perks are worth the extra charge.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EFinancial features:&nbsp;\u003C\u002Fstrong\u003EMany business credit card issuers include account management tools. Among the features may be the ability to download your card information into your accounting program. These features can make it easier to manage your finances.\u003C\u002Fp\u003E\u003Cp\u003EWhile it may not be possible to get everything you want in a business credit card, by thoroughly researching your options, you can apply for the card and to the card issuer that meets the majority of your needs.\u003C\u002Fp\u003E\" data-hed=\"How do you research your business credit card options?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a20e3347-5d36-46f2-8165-f5ad76c9b41a\" data-edition=\"us\" data-description=\"\u003Cp\u003EOnce you've discovered your personal and business credit score, decided which type of card you want (and which credit card issuer you want to use), it's time to submit your application. However, to make that process easier, you want to gather all your information in advance.\u003C\u002Fp\u003E\u003Cp\u003EEach company issuing business credit cards has its own criteria and material requests. Typical&nbsp;information they'll want to know includes:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EBusiness name: the company's legal name and DBA if there is one\u003C\u002Fli\u003E\u003Cli\u003EBusiness address: physical and mailing (if different)\u003C\u002Fli\u003E\u003Cli\u003EBusiness phone number\u003C\u002Fli\u003E\u003Cli\u003ETax identification number\u003C\u002Fli\u003E\u003Cli\u003EBusiness type: corporation, partnership, LLC, sole proprietorship\u003C\u002Fli\u003E\u003Cli\u003EIndustry: retail, technology, manufacturing, construction, etc.\u003C\u002Fli\u003E\u003Cli\u003EAge: how long has the business be running\u003C\u002Fli\u003E\u003Cli\u003ERevenue: current revenue and revenue projections or expectations\u003C\u002Fli\u003E\u003Cli\u003EExpenses: monthly and\u002For annual\u003C\u002Fli\u003E\u003Cli\u003EPersonal credit score: typically looking for scores of 670 or higher\u003C\u002Fli\u003E\u003Cli\u003EPersonal guarantee: from the business owner and\u002For their partners to cover the debt\u003C\u002Fli\u003E\u003Cli\u003ESocial security number, date of birth, and personal income: of the person applying for the business credit card\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EOnce you've gathered your information, you can apply for a credit card. Most card issuers have a secure online portal for the application. For some banks, you can also apply in person.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIt can take anywhere from a few minutes to two weeks to learn if you've been approved. Then, if approved, it can take up to two weeks to receive your card.\u003C\u002Fp\u003E\" data-hed=\"What criteria is needed to submit a business credit card application?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cc33f3a2-fbd7-4e0f-9c0e-0c624558630b\" data-edition=\"us\" data-description=\"\u003Cp\u003EBusiness credit cards make it easier to keep your business expenses separate from your personal expenses. They typically come with financial tools that can work with your accounting software, saving you time manually processing this information.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou'll have one single monthly payment to the credit card issuer instead of multiple payments to staff members. You may be able to take advantage of incentives like cashback, points, or miles.\u003C\u002Fp\u003E\" data-hed=\"Why do you need a business credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ad9c2e01-4a43-4d1a-b3b4-e7fff6bb4102\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf your business has one, business credit card issuers may look at both your personal credit score and your business credit score. Typically, your personal credit score should be at least 670. Card issuers will look at other factors like the age of your business, its current and projected revenue, and business expenses, along with your personal income.\u003C\u002Fp\u003E\" data-hed=\"How do you get approved for a business credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6989cfa7-61db-4ffd-9ed4-054217348678\" data-edition=\"us\" data-description=\"\u003Cp\u003ELike personal credit cards, there are several types of business credit cards. You can choose from cashback, points, miles, introductory 0% APR, etc. Your choice depends on your business needs and how you use the card. For example, if you travel a lot for business, you may want a card that offers miles.\u003C\u002Fp\u003E\" data-hed=\"Which business credit card is right for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f9e18512-d240-4072-bd9b-2cf72fa00cb3\" data-edition=\"us\" data-description=\"\u003Cp\u003EEach credit card issuer has different requirements and offers for their business credit cards. You'll want to research what's available from several different banks. This could include the large banks that serve the entire nation or regional banks local to your specific area. \u003C\u002Fp\u003E\u003Cp\u003EYou may want to start your research with the bank that holds your company checking account.\u003C\u002Fp\u003E\" data-hed=\"Which bank should you use for a business credit card?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-26 18:42:00",timezone:"UTC",updated:c,published:c},description:"Applying for a business credit card doesn't have to be difficult, but it's important to research your options.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"2e246712-ef3a-4fc2-a181-88887f013798",image:{id:"c19faebf-d1ce-4329-9be4-aac9b9fa835a",filename:"shutterstock-1782418211.jpg",dateCreated:{created:c,date:"2021-08-25 21:02:08",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F08\u002F25\u002Fc19faebf-d1ce-4329-9be4-aac9b9fa835a\u002Fshutterstock-1782418211.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-to-apply-for-a-business-credit-card",startYear:c,summary:b,title:"How to apply for a business credit card",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"73cc194f-d555-4dde-9954-530bc9c225f8",slug:"executive-guides",name:"Executive Guides",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"74cfda70-fed9-47f5-b27e-f508b105c76f",username:"Mandy Sleight",profileUrl:c,email:c,firstName:"Mandy",lastName:"Sleight",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"887522cb-bafd-4ac6-bef5-89319a0851ec",filename:"mandy-sleight-author.png",dateCreated:{created:c,date:"2021-07-06 17:22:43",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F887522cb-bafd-4ac6-bef5-89319a0851ec\u002Fmandy-sleight-author.png",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Mandy Sleight has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar, and has been a licensed insurance agent since 2005. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26683417&cr=28324&last_updated=1598581019\" target=\"_blank\"\u003EThe Costco Anywhere Visa® Card by Citi\u003C\u002Fa\u003E offers credit card rewards on everyday purchases, including shopping at Costco. You can rack up points using the Costco Anywhere Visa® Card tiered rewards program wherever you shop, and the number of points you earn depends on the type of purchases you make. While you can earn points just about anywhere, you have to be a current Costco member to be eligible for the Costco Anywhere Visa® Card.\u003C\u002Fp\u003E\u003Cp\u003EAs long as you earn at least $1 in rewards throughout the year, you get an annual credit card reward certificate. This Costco credit card rewards certificate can be redeemed throughout the United States and Puerto Rico, but there are limitations on redemption you should know about. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"29d70028-abc8-436e-bb80-d1b425f452ac\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F29d70028-abc8-436e-bb80-d1b425f452ac\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EUnlike most other rewards credit cards, the Costco Anywhere Visa® Card can't be redeemed whenever you want. You can only redeem it once per year in February for the prior years earned rewards.\u003C\u002Fp\u003E\u003Cp\u003EEarning rewards is one thing; redeeming them is another. Here is what you should know about how to earn and redeem Costco credit card rewards.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"df085cd0-d1e8-4573-9214-bc7f3aeb77a4\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile Costco is in the name, you can earn rewards in many other places you spend money. The Costco Anywhere Visa® Card uses a tiered rewards program, so you earn a specific percentage back on every dollar depending on the category your purchase falls into.\u003C\u002Fp\u003E\u003Cp\u003EHere are the rewards you can earn through the Costco Anywhere Visa® Card tiered rewards program:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E4% back on eligible gas and EV charging purchases, including at Costco, for the $7000 in purchases per year, then 1% back for future purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E3% back on restaurant and eligible travel purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E2% back on all Costco and Costco.com purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E1% back on all other purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How to earn Costco Anywhere Visa® Card rewards\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7ae429f5-73bb-4aa8-b4ce-c4e50e3a67b0\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe way to redeem Costco Anywhere Visa® Card rewards differs from most&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-cash-back-credit-card\u002F" target="_blank"\u003Erewards cards\u003C\u002Fa\u003E. Reward certificates are issued once per year in February and go to all eligible cardholders who earned at least $1 in rewards in the previous year. (Your credit card account must still be open when your certificate is issued to receive it.)\u003C\u002Fp\u003E\u003Cp\u003EIf you are eligible for a rewards certificate, here are the steps to take to receive it:\u003C\u002Fp\u003E\u003Col\u003E\u003Cli\u003E\u003Cp\u003ECheck the last page of your February paper statement if you are not enrolled in paperless. If you are enrolled in paperless statements, you will receive an email on or soon after your February statement closing date.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EIf you use the Citi Mobile® App, you can also access your rewards certificate there after the closing date of your February statement. After logging in, click on "Access Certificate" to view the certification on your smartphone and save it.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EPresent your paper or virtual rewards certificate for redemption at any Costco warehouse in the US or Puerto Rico.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Fol\u003E\u003Cp\u003EIt's that easy! Now that you've received your rewards certificate, it's time to redeem them.\u003C\u002Fp\u003E\" data-hed=\"How to receive your Costco Anywhere Visa® Card rewards\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"911744c9-24ba-4c7a-bde0-b946257503ff\" data-edition=\"us\" data-description=\"\u003Cp\u003ERedeeming your rewards certificate from the Costco Anywhere Visa® Card is a bit more difficult than receiving it. Once you have the certificate, you can only redeem your rewards at a Costco warehouse in the US or Puerto Rico. Certificates are ineligible for redemption at:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003ECostco.com\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ECostco Travel\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EOn the Citi Mobile® App\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ECostco Anywhere Visa® Card account payments\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWhen you are ready to redeem your Costco Anywhere Visa® Card rewards, you can present the printed certificate or show a virtual copy of it at checkout. The certificate barcode should be fully viewable to be scanned at the register.\u003C\u002Fp\u003E\u003Cp\u003EYou can only redeem Costco credit card reward certificates for Costco merchandise or cash. Reward certificates are ineligible for travel purchases or as a statement credit. If you make a purchase that is less than the certificate amount, you get the remaining balance in cash when you check out at Costco.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYour credit card reward certificate expires on December 31 of the year it was issued, which can make redeeming it less of a hassle if you don't live near a Costco warehouse. If you have to make a trip for redemption, at least you can earn some cashback on your trip purchases by using your Costco Anywhere Visa® Card during your travels.\u003C\u002Fp\u003E\" data-hed=\"How to redeem Costco Anywhere Visa® Card rewards\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d329288e-ea4e-42ac-b4f4-abebbe9d7344\" data-edition=\"us\" data-description=\"\u003Cp\u003ECostco credit card rewards certificates can be redeemed for merchandise in the Costco warehouse, or you can cash it out. If you want cash, Costco reserves the right to pay you by cash, check, or electronic transfer.\u003C\u002Fp\u003E\" data-hed=\"Can you cash out Costco rewards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f700ecf2-f2d2-4f53-a292-3098a690fa1d\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere is no limit to how many rewards you can earn with the Costco Anywhere Visa® Card. To estimate your Costco cash rewards, visit \u003Ca href="http:\u002F\u002Fciti.com\u002Fcostcorewards"\u003Eciti.com\u002Fcostcorewards\u003C\u002Fa\u003E and use the sliding scale to enter how much you spend per category each month. As you update each category, it will automatically calculate the annual cash back at the bottom.\u003C\u002Fp\u003E\" data-hed=\"How can I estimate my Costco cash rewards from Citi?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"169df6f4-b096-4b3f-8fb6-f59304ccd4ec\" data-edition=\"us\" data-description=\"\u003Cp\u003EYes, if you are a Costco Executive Member, you can earn the annual reward and the credit card reward certificate on your Costco Anywhere Visa® Card. Both rewards are distributed annually, with the 2% Costco Executive Member reward certificate being distributed by mail two months before your annual renewal month.\u003C\u002Fp\u003E\" data-hed=\"As a Costco Executive Member, am I eligible for both the credit card reward certificate and the Executive Member annual reward?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e991b81f-54e6-4d15-8d02-31f7084cd586\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe easiest way to find information about the rewards you've earned and the details about your credit card reward certificate is to visit Citi® Online or the Citi Mobile® App. After logging in online, click "View Your Reward &amp; Certification Information" to see how much cashback you've earned to date based on your last statement earnings.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is the easiest way for me to find information about the rewards I've earned and the details about my credit card reward certificate? \" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f213fa7c-e432-4a3b-aa94-09689dd264fd\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you cancel your Costco membership, you will receive notification that your Costco Anywhere Visa® Card will also be cancelled. Accumulated but not distributed rewards are forfeited, but you can still redeem your credit card rewards certificate if it was already issued. If you want to remain a Costco member, using your Costco Anywhere Visa® Card&nbsp;to pay your annual membership fee will automatically renew your membership each year.\u003C\u002Fp\u003E\" data-hed=\"What happens to my credit card reward certificate if I cancel my Costco membership?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d286c8bd-541b-495b-a3db-8b16359c1747\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you are the primary cardholder of multiple Costco Anywhere Visa® Card accounts, you will receive a separate credit card rewards certificate in February for each account.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"I have multiple Costco Anywhere Visa® Card accounts. Will I receive separate credit card reward certificates? \" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1d087a02-e3b6-4a31-95ac-8a4b876ade1f\" data-edition=\"us\" data-description=\"\u003Cp\u003EYour credit card reward certificate is issued with or near your February statement date and expires on December 31 of that year. For example, if you have a credit card reward certificate dated February 2021, you have until December 31, 2021, to redeem it in person for merchandise or cash at any Costco warehouse in the US or Puerto Rico.\u003C\u002Fp\u003E\" data-hed=\"When does the credit card reward certificate expire?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cbr\u003E\u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2021-09-13 18:09:00",timezone:"UTC",updated:c,published:c},description:"The Costco Anywhere Visa® Card by Citi offers credit card rewards on everyday purchases. Here's what you need to know.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"792ea3f5-37a8-420f-8fe8-084beb005637",image:{id:"59c083f2-daf8-425c-9ca5-3ab21aa35f49",filename:"costco-anywhere-visa-business-credit-card.png",dateCreated:{created:c,date:"2021-07-07 13:17:26",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Citi",caption:"\u003Cp\u003ECostco\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F07\u002F59c083f2-daf8-425c-9ca5-3ab21aa35f49\u002Fcostco-anywhere-visa-business-credit-card.png",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:431,height:241,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"how-to",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-to-redeem-costco-credit-card-rewards",startYear:c,summary:b,title:"How to redeem your Costco credit card rewards",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"ddcdf4c9-7511-496c-a39a-243f5e415c3a",username:"Trent Hamm",profileUrl:c,email:c,firstName:"Trent",lastName:"Hamm",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"6caa7092-6afd-4c1b-b6f6-866e4c84866c",filename:"trent-hamm.jpg",dateCreated:{created:c,date:"2021-09-29 18:50:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F29\u002F6caa7092-6afd-4c1b-b6f6-866e4c84866c\u002Ftrent-hamm.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Trent Hamm founded The Simple Dollar in 2006 and still writes a daily column on personal finance. He's the author of three books published by Simon & Schuster and Financial Times Press, has contributed to Business Insider, US News & World Report, Yahoo Finance, and Lifehacker, and his financial advice has been featured in The New York Times, TIME, Forbes, The Guardian, and elsewhere.",profile:c,title:"Contributing Writer",bio:b,bureau:c,awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EI once wrote an extremely brief article covering the difference between charge cards and credit cards. That article didn't quite answer the question, though, because I still have conversations and receive emails where people use the phrases \"charge card\" and \"credit card\" interchangeably.\u003C\u002Fp\u003E\u003Cp\u003EThen, I realized that it's worthwhile to distinguish between all three types of cards by listing their advantages and disadvantages. So let's go through them one by one.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0d5da1dc-854e-47d9-a69d-a5acb531bcd2\" data-edition=\"us\" data-description=\"\u003Cp\u003EA credit card is borrowed money. When a company issues you a credit card, you're given a specific credit limit -- the maximum amount you can borrow from the company. Each time you use the card, you borrow some amount from that company, and you're required to pay back a portion of that amount to the company every month. Mastercard, Visa, and Discover are the major types of credit cards.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EAdvantages of a credit card\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThe biggest advantage of a credit card is flexibility; you can make purchases without actually having the cash on hand at the moment. You also have an indefinite amount of time to pay back that money, though you do have to make a minimum payment each month on what you owe.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EMany credit cards also have rewards programs and benefits, offering everything from 2% cash back on all purchases to rental car insurance when you travel. Consumer protection with credit cards is usually pretty strong, too; they'll often help you deal with fraudulent purchases and don't leave you out to dry if you lose the card.\u003C\u002Fp\u003E\u003Cp\u003EAlso, a good credit card use helps you build a good credit report, saving you money on insurance and helping you with loans in the future.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EDisadvantages of a credit card\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThe big disadvantage is that all the flexibility is a double-edged sword. The ease of using credit cards and the lack of pressure to pay off what you owe make it very easy to make poor purchasing decisions. Then, when you can't pay off the card, you usually pay a&nbsp;\u003Cem\u003Ehefty\u003C\u002Fem\u003E&nbsp;amount of interest on that unpaid amount.\u003C\u002Fp\u003E\u003Cp\u003EOver a long period, that interest can be incredibly costly.\u003C\u002Fp\u003E\" data-hed=\"Credit cards\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c60a108f-61c6-4fce-87d4-e3516e8bd19d\" data-edition=\"us\" data-description=\"\u003Cp\u003EA debit card is linked to your checking or savings account. Each time you use the card, money is automatically taken from your checking or savings account to cover the purchase.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EAdvantages of a debit card\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EYou can't get into debt trouble with a debit card, since it does not allow you to spend more money than you have in your account. This is a huge advantage for people struggling with debt because it keeps them from overspending.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EPlus, debit cards are flexible and convenient for day-to-day purchases. You also don't have to have good credit to get a debit card; you often get one with your checking account.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EDisadvantages of a debit card\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThe biggest disadvantage is that you have to keep a very close eye on your account balances because you can overdraft your account if you're not careful. Debit cards often don't have the same consumer protections that credit cards and charge cards have -- if your card is stolen, your protection against unauthorized purchases can be weak.\u003C\u002Fp\u003E\u003Cp\u003EAnother disadvantage is that very few debit cards have rewards programs of any kind.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Debit cards\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c506671b-13b1-4872-a787-6ec3ef199789\" data-edition=\"us\" data-description=\"\u003Cp\u003ECharge cards are often confused with credit cards, but they function in a fairly different fashion. Like credit cards, charge cards extend credit to you from the issuer. However, you're required to pay the full balance at the end of the month.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ESome charge cards also have an annual membership fee. Charge cards are typically associated with American Express; many store chains often issue their own charge cards as well, which can only be used at that store.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EAdvantages of a charge card\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EYou don't have to have the money on hand for a purchase with a charge card, nor do you run the risk of carrying a balance that will charge you interest.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EMany charge cards have tremendous bonus programs from things like 5% cashback to free companion flights on airlines -- their rewards programs are typically better than rewards programs for credit cards. Charge cards often come with additional services and benefits, like free roadside assistance, free food at airports and free hotel room upgrades.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThey help your credit much as a credit card does. Most charge cards offer strong consumer protection as well, similar to that of credit cards.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EDisadvantages of a charge card\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ESome charge cards have an annual fee, which eats away at the benefits from using them. Also, since you are operating on credit, there's some risk that you might build up a large balance on the card that will be difficult to pay off.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EMany charge cards are usually pretty strict in terms of who they're issued to; you need to have good credit before even getting one.\u003C\u002Fp\u003E\" data-hed=\"Charge cards\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c5a79a46-453c-4a65-9a8e-5eadb39d7317\" data-edition=\"us\" data-description=\"\u003Cp\u003EMany people wish to avoid credit at all costs because of the risk of debt. In that case, a debit card is obviously the right choice. If you're seeing a great debit card (preferably one that has some semblance of a rewards program), you should investigate all of the checking options available at your local bank -- and maybe do some shopping around for a new bank, particularly if you're unhappy with your current bank.\u003C\u002Fp\u003E\u003Cp\u003EIt's worthwhile for everyone to apply for at least a single credit card and use it irregularly. It provides a very easy way to build a positive credit report and gives you some flexibility in purchasing. If you have a good rewards card, you can also earn cashback and other benefits.\u003C\u002Fp\u003E\u003Cp\u003EIf you have excellent credit, pay your balance back in full each month on your credit card, and travel a bit, it's worth examining some of the charge cards offered -- particularly if you're running a small business. Typically, you can get a big net benefit from a good charge card, but you have to educate yourself about the benefits.\u003C\u002Fp\u003E\u003Cp\u003EOverall, if you've never owned a card, it's smart to get a good checking account and use their debit card for most purchases. At the same time, it's wise to get one credit card and use it for only a few purchases. This allows you to start building healthy credit without the debt risks of a credit card.\u003C\u002Fp\u003E\" data-hed=\"Which one is right for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cem\u003E[This article was first published on The Simple Dollar in 2020. It was updated in March 2022.]\u003C\u002Fem\u003E\u003C\u002Fp\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-03-18 21:24:00",timezone:"UTC",updated:c,published:c},description:"Here's a look at the advantages and disadvantages of each one.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c27d0ff0-e119-4589-b7f8-d357ffa951de",image:{id:"cecff65f-4cd3-11e4-b6a0-d4ae52e95e57",filename:"credit-cards.jpeg",dateCreated:{created:c,date:"2014-10-05 21:08:52",timezone:"UTC",updated:c,published:c},alt:"hand holding credit card and wallet by laptop",credits:"Getty Images",caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2014\u002F10\u002F05\u002Fcecff65f-4cd3-11e4-b6a0-d4ae52e95e57\u002Fcredit-cards.jpeg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:250,height:188,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"personal-finance-101-charge-card-vs-credit-card-vs-debit-card",startYear:c,summary:b,title:"What's the difference between a credit card, a debit card, and a charge card?",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"7fb9b300-1c4f-4e45-9b28-c434fe6644a0",username:"Elizabeth Rivelli",profileUrl:c,email:c,firstName:"Elizabeth",lastName:"Rivelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"254df4bf-22b9-4b91-bb86-706ba5f1d33b",filename:"rivelli-headshot-150x150-2.jpg",dateCreated:{created:c,date:"2021-07-29 17:55:34",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F29\u002F254df4bf-22b9-4b91-bb86-706ba5f1d33b\u002Frivelli-headshot-150x150-2.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth's favorite review on Reviews.com.",profile:c,title:"Contributing Writer",bio:b,bureau:c,awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"0897c2e7-7f10-42c3-b017-2b6474e22035\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-alt-text=\"what-is-a-cashiers-check.jpg\" data-image-filename=\"image-5.jpg\" data-image-date-created=\"2022\u002F04\u002F29\" data-image-width=\"1600\" data-image-height=\"1069\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EMost people rely on their credit or debit card to make everyday purchases at the grocery store or online. But for some purchases, using a credit card or cash doesn't make sense. For example, if you're getting ready to buy a used car or pay a contractor for a home renovation job, you might need to use an alternative form of payment. This is where a cashier's check comes into play. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a648c108-4c44-407e-b0b8-e1cf5a7b68c3\" data-edition=\"us\" data-description=\"\u003Cp\u003EA cashier's check is a type of check that is guaranteed by the bank or financial institution that issues it. Rather than using money from your personal checking account (like with a personal check), the money from a cashier's check gets taken out of your bank's funds. Because the bank has more money than you have in your personal account, there is no risk of the check bouncing, which can be a risk when buying something expensive.\u003C\u002Fp\u003E\" data-hed=\"What is a cashier's check?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3759892c-bfba-49f2-aa37-076c33ecff5b\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen you use a cashier's check to make a payment, you are technically using the bank's money to complete the transaction. The bank guarantees that the check will clear, which is why cashier's checks are often preferred for big purchases.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBefore you can take out a cashier's check, a bank teller or cashier must determine that you have sufficient funds in your bank account to cover the amount of money you need. The funds from your account get deposited into the bank's account, and then the check is issued and signed by a teller.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOnce you have the check in hand, you can use it as payment for whatever you are buying. Cashier's checks can be deposited like any other type of check, and the funds usually clear within a day or two.\u003C\u002Fp\u003E\" data-hed=\"How does a cashier's check work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"49638031-aebb-498c-9595-7a195115cac4\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn general, cashier's checks are used to pay for expensive things. In some cases, a cashier's check may be required if the person you're paying wants the peace of mind of knowing that the check will clear without any issues. Here are some examples of transactions where using a cashier's check might make sense:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMaking a down payment on a car\u003C\u002Fli\u003E\u003Cli\u003EPutting down a security deposit for an apartment\u003C\u002Fli\u003E\u003Cli\u003EBuying a house or real estate property\u003C\u002Fli\u003E\u003Cli\u003EPaying a contractor for a home remodel\u003C\u002Fli\u003E\u003Cli\u003EPurchasing a boat\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ETechnically speaking, you can use a cashier's check to pay for anything. However, keep in mind that most banks have a minimum face value for cashier's checks. For instance, your bank might only offer cashier's checks of $1,000 or more, so anything under that amount must be paid for using a different method.\u003C\u002Fp\u003E\" data-hed=\"What is a cashier's check used for?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1f3b1a16-83c4-46d9-b184-d007cb2ee36b\" data-edition=\"us\" data-description=\"\u003Cp\u003EDepending on your bank or credit union, you might have to pay to get a cashier's check. It's common for banks to charge customers between $5 - $15 per cashier's check, but some banks offer them for free. Before you take out a cashier's check, ask your bank about what fees it charges and make sure you have sufficient funds in your account.\u003C\u002Fp\u003E\" data-hed=\"How much does a cashier's check cost?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4c72a17e-4221-4579-920f-348fafe694c0\" data-edition=\"us\" data-description=\"\u003Cp\u003ECashier's checks are considered to be a very safe form of payment. Unlike a personal check, a cashier's check is watermarked and signed by at least one bank employee, so it's much more difficult to counterfeit. The money can only be deposited by the person whose name is on the recipient line.\u003C\u002Fp\u003E\u003Cp\u003EHowever, that's not to say that cashier's checks are 100% secure. If you are given a cashier's check as a form of payment, it's a good idea to have your bank confirm that the check is valid before you deposit it into your account.\u003C\u002Fp\u003E\" data-hed=\"How secure are cashier's checks?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f48e1d99-90ac-4c94-9db6-9c7f8cd0be88\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe process of getting a cashier's check is pretty simple:\u003C\u002Fp\u003E\u003Col\u003E\u003Cli\u003EConfirm the check amount and the recipient's name\u003C\u002Fli\u003E\u003Cli\u003EVisit your bank in-person and ask the teller for a cashier's check\u003C\u002Fli\u003E\u003Cli\u003EMake sure you have enough money in your account to cover the funds and fees\u003C\u002Fli\u003E\u003Cli\u003EGet the signed cashier's check and receipt for the transaction\u003C\u002Fli\u003E\u003C\u002Fol\u003E\u003Cp\u003EWhile many banks only issue cashier's checks in-person, there are some banks that will provide cashier's checks online. However, keep in mind that if your bank does allow online cashier's checks, you will have to wait for the physical check to get mailed to you.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How can I get a cashier's check?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d79991ef-f422-41df-86c6-ba55f45974b0\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe main difference between a bank check (also called a personal check) and a cashier's check is the source of the money. The money is withdrawn from your personal checking account when a bank check gets deposited. When a cashier's check gets deposited, the money is withdrawn from the bank's funds. Another way to think about it is that personal checks are guaranteed by the account holder, whereas the bank guarantees a cashier's check.\u003C\u002Fp\u003E\" data-hed=\"What's the difference between a bank check and a cashier's check?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"06707749-d82d-4ff9-b9d2-ec6998b206ad\" data-edition=\"us\" data-description=\"\u003Cp\u003EA cashier's check and a money order are similar in a few ways. Like a cashier's check, a money order is also a form of guaranteed payment that requires an upfront deposit. Money orders don't require a bank account and are available from some retailers, grocery stores, and the US&nbsp;Post Office. However, money orders are typically capped at around $1,000, and they tend to be less secure than cashier's checks.\u003C\u002Fp\u003E\" data-hed=\"What's the difference between a cashier's check and a money order?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"025dec30-5dd3-4b45-9460-0328b1e09a42\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere is no maximum amount of money that you can get through a cashier's check in most cases. As long as you have sufficient funds in your personal account, you can request a cashier's check for as much money as you want. However, every bank has different rules, so it's a good idea to ask a representative from your bank if there's an upper limit.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is the maximum amount for a cashier's check?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"01fa0b38-e362-4ec0-8326-1d6fdbed05da\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt depends. Some banks will issue cashier's checks to non-customers, but it's much harder to get a cashier's check when you don't have a bank account. If you find a bank or credit union that offers cashier's checks to non-customers, you will need to have some source of money that the bank can collect in order to issue the check.\u003C\u002Fp\u003E\u003Cp\u003EAlso, remember that cashier's checks are not loans. Because the bank guarantees the money, you can't repay the face value of the check after it has been deposited. You must provide the funds upfront before the bank issues a cashier's check.\u003C\u002Fp\u003E\" data-hed=\"Can I get a cashier's check without a bank account?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e14ac295-3f2a-4a59-be2e-556414d0413b\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you receive a cashier's check as payment, there are a few ways that you can verify it. First, make sure the value of the check is correct. If the check's value is higher than it should be, it could be fake. You should also verify that the payee's name appears on the check, as well as the name and phone number of the bank that issued it. If you have any reservations about the validity of the check, you can always call the bank's phone number and see if a legitimate person answers.\u003C\u002Fp\u003E\" data-hed=\"How can I verify a cashier's check?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-29 18:43:00",timezone:"UTC",updated:c,published:c},description:"You bank guarantees a cashier's check because it uses the bank's money rather than the money in your own account.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"47398c40-f5e1-46cc-8cf7-108fa976fadc",image:{id:"0897c2e7-7f10-42c3-b017-2b6474e22035",filename:"image-5.jpg",dateCreated:{created:c,date:"2022-04-29 18:49:56",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F04\u002F29\u002F0897c2e7-7f10-42c3-b017-2b6474e22035\u002Fimage-5.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"What is a cashier's check? Definition, cost, uses, and how to get one",section:b,slug:"what-is-a-cashiers-check",startYear:c,summary:b,title:"What is a cashier's check and how do you get one?",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9d1d8859-7c82-49cc-835f-482b74812c91",username:"SeanJackson01",profileUrl:c,email:c,firstName:"Sean",lastName:"Jackson",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d459f4c3-79dc-4419-bb4b-5dfdb210aa2a",filename:"sean-jackson-author.jpg",dateCreated:{created:c,date:"2021-06-30 15:34:33",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F30\u002Fd459f4c3-79dc-4419-bb4b-5dfdb210aa2a\u002Fsean-jackson-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Sean Jackson is a creative copywriter living in Florida. He's had work published with CNET, Realtor.com, theScore, ESPN, and the San Francisco Chronicle. In his free time, Sean likes to play drums, fail miserably at improv, spend time at the beach, and volunteer at the Jacksonville Humane Society.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EYour credit score is the most vital aspect of your financial future because it influences your ability to finance large purchases. And it determines how much you'll pay for them in interest charges. Moreover, everyone wants to check your credit: prospective lenders, mortgage companies, apartment managers, employers, insurance agencies -- even possible spouses. \u003C\u002Fp\u003E\u003Cp\u003EKnowing your credit score helps you see what prospective lenders see. That way, you have a realistic idea of what kind of financing product you're eligible for and whether now is a wise time to finance more expensive items.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"06ac4b11-a940-4666-8c47-fb75937e053a\" data-edition=\"us\" data-description=\"\u003Cp\u003EMany credit card companies now offer credit score reporting in their tool chest of offerings. Capital One's CreditWise allows you to keep abreast of your VantageScore assigned by TransUnion -- one of the three credit bureaus that keep reports on your financial behaviors. Discover also gives you access to check your FICO score for free.\u003C\u002Fp\u003E\u003Cp\u003EMeanwhile, you're in luck if you're establishing or rebuilding your credit. You can get a secured credit card with many lenders offering these monitoring services, such as Capital One and Discover. How this works is you make a deposit that becomes your credit limit. And when you open one, you gain access to these monitoring tools.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002F5-ways-to-improve-your-credit-score-without-a-credit-card\u002F" target="_blank"\u003E5 ways to improve your credit score without a credit card\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EOther credit card companies offering similar perks include Bank of America, U.S. Bank, Citi, Wells Fargo, Barclay, and American Express.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Option 1: Open a credit card that offers credit score monitoring\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"932e15cf-a5e7-4c6b-b896-f22965e4ae8f\" data-edition=\"us\" data-description=\"\u003Cp\u003ESome banks offer their customers access to their credit scores. For example, Chase has a program called Credit Journey. Once you sign up, you can receive your VantageScore for free. Another option is to check with your credit union. Some will offer you free credit score updating as part of their services.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Option 2: Let your bank do the work for you\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"95e778ad-0069-4eb6-a156-8049cc38cce6\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit Karma is beneficial, as you receive free credit scores from Equifax and TransUnion, with updates occurring&nbsp;\u003Ca href="https:\u002F\u002Fhelp.creditkarma.co.uk\u002Fs\u002Farticle\u002FHow-often-does-my-credit-report-information-update#:~:text=Updates from TransUnion are usually,the top of your dashboard." target="_blank"\u003Eevery seven days\u003C\u002Fa\u003E. Along with this being a free service, you'll obtain a dashboard of your credit scores, indicating behaviors aiding your score. And you'll also gain insights on what you can do better to improve your score. Since your scores derive directly from two credit bureaus, you can feel confident they provide a perspective on how prospective lenders see your situation.\u003C\u002Fp\u003E\u003Cp\u003EAnother option is Credit Sesame, which is also a free service to use. You'll receive your VantageScore from TransUnion with daily updates. They also provide transaction alerts, allowing you to determine the validity of the information entered onto your TransUnion credit report. And if that information is inaccurate, you can get on top of it to dispute it before it causes any more harm. Another convenient feature is credit offers and approval odds.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou could also use a service like myFico. myFico grants you access to your Equifax credit score with monthly updates. Further, a paid subscription unlocks credit scores from all three bureaus and FICO score versions for mortgages and auto loans. Therefore, if you're in a position to buy a home or vehicle soon, the paid membership helps you learn where you stand before you apply to prospective lenders.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Option 3: Go with a credit monitoring program\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f6b9de3e-9909-4251-8bcf-e4c0c4958b11\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou can use one of these services listed above to help you gain access to your credit score. If you have a credit card, you can sign up for their monitoring service by logging into your account and searching for account tools. Some lenders like Discover have your FICO score automatically on your statements.\u003C\u002Fp\u003E\u003Cp\u003EMeanwhile, credit monitoring services often need your name, address, and last four digits of your Social Security number. Because you're entering your personal information, try to use a private connection when setting up and accessing your account. Public WiFi makes it easier for your&nbsp;\u003Ca href="https:\u002F\u002Fconsumer.ftc.gov\u002Farticles\u002Fhow-safely-use-public-wi-fi-networks#:~:text=Public Wi-Fi Isn't Secure,-When you're&amp;text=Why does it matter?,and log in as you." target="_blank"\u003Einformation to become compromised\u003C\u002Fa\u003E.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How do I check my credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"dbd282e6-2498-422b-b24c-a089974ad6a9\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are three credit bureaus: Experian, Equifax, and TransUnion, who generate credit reports.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Who determines my credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"eb25c40a-fc9f-469d-879a-2777d4e49295\" data-edition=\"us\" data-description=\"\u003Cp\u003EYour payment history, balances owed, the length of your credit history, new credit, and credit mix all influence your credit score. For credit mix, it means you might have an auto loan (installment) and several credit cards (revolving). Lenders like to see a mix of credit accounts, as it shows them you can manage different kinds of debt responsibly.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Which factors influence my credit scores?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1e62f931-2e4f-44b2-b4b0-a6b2dc594f40\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe two most common credit scores lenders use are FICO and VantageScore; both use information from all three credit bureaus to calculate scores. However, there are several differences between them. With FICO, you'll need at least one credit account opened for six months before they create your score. With VantageScore, you'll receive a score after opening a credit line, with no minimum time needed to generate scores.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAnother difference resides in the criteria measured to determine the score. With FICO, your payment history is 35% responsible for your score, while 30% consists of the balances owed on your accounts. Comparatively, VantageScore places a higher weight on credit usage, balances, and how much available credit you have on your revolving lines. Say you have a credit card with a $1,000 limit; if your balance is $900, it'll drop your score since, you're using most of your credit line.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ECombining all factors, FICO assigns a score from a low of 300 to a high of 850. VantageScore uses the same scoring range as FICO.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What's the difference in credit scores?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4ade84c2-fe08-4f51-9ca7-daae61690619\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen you apply for an auto loan, lenders examine your \u003Ca href="https:\u002F\u002Fwww.carsdirect.com\u002Fauto-loans\u002Fauto-credit-scores-why-is-my-credit-score-different-at-the-dealership#:~:text=Your%20automotive%2Dweighted%20score%20places,to%20your%20regular%20FICO%20score." target="_blank"\u003Eauto credit score\u003C\u002Fa\u003E. It's like your FICO score, but it places heavy emphasis on your previous auto loans or leases. If you made all of your payments in time, you might find your Auto Credit Score is higher than anticipated. Conversely, should you have experienced struggles paying auto loans in the past, it could mean a lower score when you apply this time.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Why is my credit score different when I apply for a car loan?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e41f892e-e8b1-4a9a-9099-91332441d44b\" data-edition=\"us\" data-description=\"\u003Cp\u003ENo, because you're not having a hard inquiry conducted. Monitoring services typically use a soft inquiry to access your credit scores. It means they receive the information they need, but there's no residue of it on your credit reports.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Does checking my credit score hurt my credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c61d4c23-cf47-4a49-b761-1a52ba9de653\" data-edition=\"us\" data-description=\"\u003Cp\u003EChecking your credit scores allows you to stay on top of your finances. If you notice a change, you can investigate it and not encounter a surprise should you need to apply for financing. Moreover, if there is fraud, it's a quick way to detect and act on it before the damage snowballs.\u003C\u002Fp\u003E\" data-hed=\"Why should I check my credit scores regularly?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cbr\u003E\u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-27 20:38:00",timezone:"UTC",updated:c,published:c},description:"Checking your credit score helps you see where you stand before prospective lenders do. Luckily, there are multiple ways to access your credit score without paying a dime.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"ac2e13ea-492b-49d4-9566-294b9ecf0f9f",image:{id:"629153b2-6fbf-4e7a-8680-5cdb442cc992",filename:"shutterstock-1668663181.jpg",dateCreated:{created:c,date:"2021-06-16 17:01:52",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:c,caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F06\u002F16\u002F629153b2-6fbf-4e7a-8680-5cdb442cc992\u002Fshutterstock-1668663181.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:5616,height:3744,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-to-check-your-credit-score",startYear:c,summary:b,title:"How to check your credit score",topic:{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"a47a3ab3-b50c-4542-9b31-51df4a918321",username:"Holly Johnson",profileUrl:c,email:c,firstName:"Holly",lastName:"Johnson",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"edd3c0af-a1f9-4b28-a5e8-95c7b15eafdb",filename:"holly2.jpg",dateCreated:{created:c,date:"2022-05-16 20:50:24",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F16\u002Fedd3c0af-a1f9-4b28-a5e8-95c7b15eafdb\u002Fholly2.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"cb41dd68-8747-46ca-98c0-faeec625afa6\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fcb41dd68-8747-46ca-98c0-faeec625afa6\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EIf you're applying for a credit card without a great credit score, then adding a cosigner to your account might seem like a good idea. With a cosigner, you may be able to qualify for a line of credit based on the other person's solid credit history and credit score. And since your cosigner is also a co-applicant, both parties are responsible for the repayment of any charges or credit balances that accrue.\u003C\u002Fp\u003E\u003Cp\u003EMany credit card issuers don't allow cosigners at all, however, even on student cards. And finding a cosigner can be a difficult feat considering the risk involved when it comes to sharing any type of account. \u003C\u002Fp\u003E\u003Cp\u003EKeep reading to see which credit card issuers allow you to apply with a cosigner, and check out the additional options to consider if a cosigner is out of the question.\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003ECredit card issuers that allow a cosigner\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EAmong the major credit card issuers, only a handful permit you to apply with a cosigner:\u003C\u002Fp\u003E\u003Ctable\u003E \u003Cthead\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECredit Card Issuer\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECosigner Allowed?\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EDetails\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Fthead\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EAmerican Express\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAuthorized users must be at least 15 years old.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EBank of America\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EYes\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EBarclays\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAuthorized users must be at least 13 years old.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECapital One\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChase\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECiti\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EDiscover\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EU.S. Bank\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EYes\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EWells Fargo\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ENo\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Ch2\u003E\u003Cbr\u003E\u003C\u002Fh2\u003E\u003Ch2\u003E\u003Cstrong\u003EAlternatives to getting a credit card with a cosigner\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EAs you can see, credit card issuers who allow cosigners on new accounts are few and far between. If you're set on having a cosigner, you should start by applying for a card with one of the issuers listed above first.\u003C\u002Fp\u003E\u003Cp\u003EBeyond getting a cosigner, however, there are several other options to consider.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003ETry qualifying for an unsecured credit card\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EWhile a cosigner might leave you feeling more secure, it may be possible to qualify for an unsecured credit card on your own. Depending on your credit history, you may be approved right away, approved after an initial discovery period, or denied for an unsecured credit card altogether.\u003C\u002Fp\u003E\u003Cp\u003ESince most credit card approvals go to those with good or excellent credit, it can help you find out where you stand ahead of time.\u003C\u002Fp\u003E\u003Cp\u003EIf you feel your score and credit history may be sufficient to qualify for a card on your own, you may want to start researching cards to find the best deal. The \"right\" card is different for everyone, so you should look for one that aligns with your spending habits and needs.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-unsecured-credit-card\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best unsecured credit cards available today\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EBecome an authorized user\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf getting a new card with a cosigner proves more challenging than you thought, consider becoming an authorized user instead. In this case, you would ask someone -- probably the person who was willing to cosign for you -- to add you to an existing credit card account.\u003C\u002Fp\u003E\u003Cp\u003EThis process works similarly to getting a cosigner in that you'll receive your own credit card and have the opportunity to build a credit history with the three credit reporting agencies.\u003C\u002Fp\u003E\u003Cp\u003EThe downside to becoming an authorized user is that your responsible use of credit won't boost your score as much as if you were the primary account holder. It also carries a similar relationship risk to cosigning: the primary cardholder is solely responsible for repayment, regardless of what you, as an authorized user, charge on the card. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fauthorized-users-vs-joint-accounts-whats-the-difference\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EAuthorized users vs. joint accounts: What's the difference?\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWhile this may not be a problem if everyone treats credit with respect and responsibility, the situation could get dicey if you charge more than you can afford and don't pay it back.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EGet a secured credit card\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf the options above don't work for you, then you can also consider a secured credit card. Unlike unsecured credit cards that extend a line of credit, secured credit cards offer credit in exchange for a cash deposit that acts as collateral if you don't pay your bill.\u003C\u002Fp\u003E\u003Cp\u003EBecause it's less risky for the bank, it's much easier to qualify for a secured credit card -- once you do, your cash deposit will generally be equal to your credit limit. So, if you put $500 down on your secured credit card, you'll be able to charge up to $500 on your card. With this setup, your cash deposit serves as collateral.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-secured-credit-card\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best secured credit cards for your business\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWhile that may not sound ideal -- especially if you don't have $500 to put down -- secured credit cards do offer people with bad credit or a limited credit history the opportunity to build (or rebuild) good credit safely. And when you improve your credit score enough, you can usually upgrade your secured credit card or apply for a new unsecured credit card that suits your needs better. \u003C\u002Fp\u003E\u003Cp\u003EEither way, you'll receive your cash deposit back in full as long as you don't default on your account.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cem\u003E[This article was first published on The Simple Dollar in 2020. It was updated in March 2022.]\u003C\u002Fem\u003E\u003C\u002Fp\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-03-24 15:58:00",timezone:"UTC",updated:c,published:c},description:"If your credit history isn't great, applying with a cosigner might seem like a good idea. But you also have other options.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"d18463ce-c242-4dd6-8392-808011302482",image:{id:"166fd4f7-282c-473c-916c-7a47976f5794",filename:"credit-card.jpg",dateCreated:{created:c,date:"2021-12-07 15:56:20",timezone:"UTC",updated:c,published:c},alt:"hand holding credit card and wallet by laptop",credits:"Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F12\u002F07\u002F166fd4f7-282c-473c-916c-7a47976f5794\u002Fcredit-card.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"can-you-apply-for-a-credit-card-with-a-cosigner",startYear:c,summary:b,title:"Can you apply for a credit card with a cosigner?",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d}],componentLabel:"Practical tips, tricks, and advice for getting things done",description:c,filters:c,paging:c,slug:"dynamic-topic-3-story-carousel-how-to",title:"How-to Guides",label:c,viewMoreText:c,viewMoreUrl:c,relatedItems:c},{id:"ddc9226f-14b1-4a1c-9cfa-46a60a305f1f",meta:{componentName:"ddc9226f-14b1-4a1c-9cfa-46a60a305f1f",componentDisplayName:"Latest",componentType:"ContentList"},metadata:{},links:{self:{href:"https:\u002F\u002Fbender.cnetstatic.com\u002Fapi\u002Fneutron\u002Fcomponents\u002Fzdnet\u002Flisting\u002Fdynamic_listing\u002Fddc9226f-14b1-4a1c-9cfa-46a60a305f1f\u002Fweb?searchBy=id&topicSlug=banking&componentType=ContentList&componentName=ddc9226f-14b1-4a1c-9cfa-46a60a305f1f"}},items:[{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"f0f638a3-c567-41e1-9c36-5e86f60da1d7\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Oscar Wong\u002FGetty Images\" data-image-alt-text=\"woman looking at banking transaction on mobile\" data-image-filename=\"mobile-bank-oscar-wong092024.jpg\" data-image-date-created=\"2024\u002F09\u002F18\" data-image-crop=\"2121x1192+0+222\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ESingapore has mandated the use of facial recognition as authentication for \"higher risk\" banking transactions, in a bid to stem \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\"\u003Egrowing scams in the country\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003ERetail banks will roll out Singpass Face Verification over the next three months to beef up the setup process for digital tokens, according to a joint \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2024\u002Fmajor-retail-banks-to-introduce-singpass-face-verification\u002F\"\u003Estatement\u003C\u002Fa\u003E released Wednesday by industry regulator Monetary Authority of Singapore (MAS) and the Association of Banks in Singapore (ABS). \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fnon-cash-transactions-to-hit-1-6t-with-asia-leading-adoption\u002F\"\u003E\u003Cstrong\u003ENon-cash transactions to hit 1.6T, with Asia leading adoption\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EVerification mode will be triggered in higher-risk scenarios to complement existing authentication methods for setting up digital tokens, they said. Ultimately, face scans verify a customer's identity against Singapore's records before the digital token can be activated for use by the customer. \u003C\u002Fp\u003E\u003Cp\u003E\"This makes it more difficult for a scammer to take over a customer's digital token by setting it up on his own device using phished credentials such as an SMS, one-time passwords (OTPs), and\u002For bank card information,\" MAS said.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-lawyers-offered-access-to-microsoft-copilot-but-reminded-to-have-human-oversight\u002F\"\u003E\u003Cstrong\u003EMicrosoft Copilot to be integrated into Singapore's legal technology platform\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ECustomers who do not already have a Singpass account will have to register for an account and download the Singpass app before they can set up digital tokens for their bank accounts. \u003C\u002Fp\u003E\u003Cp\u003EIntroduced in 2003, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-spruces-up-e-government-platform-touts-service-portfolio\u002F\"\u003ESingpass\u003C\u002Fa\u003E is the national digital identity used to authenticate access to various online activities in Singapore, including e-government services, document signing, and booking medical appointments. It is used in more than 2,700 services across 800 government agencies and businesses, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-adds-face-verification-multi-user-sms-to-singpass-2fa\u002F\"\u003Ewith authentication\u003C\u002Fa\u003E via biometrics or SMS two-factor authentication (2FA). \u003C\u002Fp\u003E\u003Cp\u003ESingpass currently has more than 4.2 million users, processing more than 41 million transactions each month, according to government agency \u003Ca href=\"https:\u002F\u002Fwww.tech.gov.sg\u002Fproducts-and-services\u002Ffor-citizens\u002Fdigital-services\u002Fsingpass\u002F\"\u003EGovTech\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fasian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool\u002F\"\u003E\u003Cstrong\u003E Asian banks are a favorite target of cybercrooks, and malicious bots their preferred tool\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe latest move is part of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-pushed-to-introduce-security-measures-amidst-online-banking-scams\u002F\"\u003Esecurity measures banks in Singapore\u003C\u002Fa\u003E have implemented, including a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\"\u003Ekill switch\u003C\u002Fa\u003E, to safeguard customers against scams. In July, local banks -- DBS, OCBC, and UOB also unveiled plans to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens\u002F\"\u003Eretire the use of one-time passwords\u003C\u002Fa\u003E (OTPs) for customers who have digital tokens. \u003C\u002Fp\u003E\u003Cp\u003EABS director Ong-Ang Ai Boon said: \"Singpass Face Verification gives customers increased protection against unauthorized access to their bank accounts, adding to the suite of measures and tools that banks have provided customers to empower them to guard themselves against scams. While banks will continue to do their part to fight scams, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-urges-shared-responsibility-in-preventing-online-scams-as-it-readies-liability-framework\u002F\"\u003Ecustomers need to be vigilant themselves\u003C\u002Fa\u003E and practice good cyber hygiene.\"\u003C\u002Fp\u003E\u003Cp\u003EIt's a critical move as digital tokens are used to approve subsequent transactions, noted Loo Siew Yee, MAS' assistant managing director for policy, payments, and financial crime.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-must-move-past-pin-otp-to-ensure-mobile-security\u002F\"\u003E\u003Cstrong\u003EBanks must move past PIN, OTP to ensure mobile security\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAdditional verification is used for higher risk scenarios by banks such as \u003Ca href=\"https:\u002F\u002Fwww.dbs.com.sg\u002Fpersonal\u002Fsupport\u002Fbank-ibanking-digital-token-additional-security.html\"\u003EDBS\u003C\u002Fa\u003E, for instance, that involve adding a payee or updating personal particulars. \u003C\u002Fp\u003E\u003Cp\u003ESingapore's ongoing efforts to beef up the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-in-singapore-begin-sharing-data-to-combat-financial-crime\u002F\"\u003Ecyber resilience of banks\u003C\u002Fa\u003E come amid growing attacks targeting the financial services sector. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe industry remains the world's most frequently targeted for Layer 3 and 4 distributed denial-of-service (DDoS) attacks for the second consecutive year, according to Akamai Technologies' latest \u003Ca href=\"https:\u002F\u002Fwww.akamai.com\u002Flp\u002Fsoti\u002Ffinancial-services-trends-2024\"\u003EState of the Internet (SOTI) report\u003C\u002Fa\u003E. Such attacks aim for network and transport layers with the intent to overwhelm network infrastructures and clog bandwidth.\u003C\u002Fp\u003E\u003Ch2\u003EFinancial services sector remains a popular target for attack\u003C\u002Fh2\u003E\u003Cp\u003EFinancial services account for 34% of DDoS attacks, followed by gaming at 18%, and high technology at 15%, as documented in the report, whose insights are based on data from Akamai Connected Cloud. \u003C\u002Fp\u003E\u003Cp\u003EIt attributed the spike in DDoS activities to ongoing geopolitical tensions that drove up hacktivism, with the involvement of well-known threat actors including REvil, BlackCat (ALPHV), and KillNet, commonly linked to the Russian-Ukraine war.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-updates-ot-security-blueprint-to-focus-on-data-sharing-and-skills\u002F\"\u003E\u003Cstrong\u003ESingapore updates OT security blueprint to focus on data sharing and cyber resilience\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn addition, 36% of all suspicious sites monitored by Akamai are implicated in brand impersonation and abuse activities targeting the financial services sector. \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\"\u003EPhishing attacks\u003C\u002Fa\u003E also dominate counterfeit sites targeting financial services, accounting for 68% of all recorded instances. \u003C\u002Fp\u003E\u003Cp\u003EAkamai further pointed to a sharp climb in the number of Layer 7 DDoS attacks that specifically target applications via APIs (application programming interfaces). \"A major concern [is] undocumented shadow APIs, which are often unprotected because information security teams are unaware of their existence,\" the report noted. \"Attackers can exploit these APIs to exfiltrate data, bypass authentication controls, or perform disruptive acts.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F#link=%7B%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F%22,%22target%22:%22_blank%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3EBanks%20defending%20their%20right%20to%20security%20are%20missing%20the%20point%20about%20consumer%20trust%3C\u002Fstrong%3E%22%7D\"\u003E\u003Cstrong\u003EBanks defending their right to security are missing the point about consumer trust\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn particular, the Asia-Pacific region clocked the highest median threat score for phishing attacks, according to the Akamai study. Specifically, it saw a high number of suspicious domains and requests. \u003C\u002Fp\u003E\u003Cp\u003EThe region's high digital adoption as well as active engagement on social media put its financial sector in a vulnerable position to cyber attacks, Akamai said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the region also faces unique cybersecurity challenges due to its fragmented landscape, where countries in the West and Global South with strong gross domestic product (GDP) make it a prime target for attacks. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\"\u003E\u003Cstrong\u003EThis data platform will help banks share criminal intelligence\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"The rapid digitalization in banking, combined with low awareness of phishing dangers, puts consumers at a higher risk of attacks despite this region having fewer phishing or brand impersonation domains compared to other parts of the world,\" the report noted. \"This indicates that consumers in the region are at a higher risk of having their banking information and other sensitive data stolen when visiting websites.\"\u003C\u002Fp\u003E\u003Cp\u003EWith almost all services available online, alongside financial organizations' increased engagement on social media, Asia-Pacific's internet adoption makes it a prime target for cybercriminals. It provides more avenues for phishing and impersonation attacks, exploiting users' trust in these platforms. \u003C\u002Fp\u003E\u003Cp\u003E\"Financial institutions in [the region] face a trifecta of challenges in today's landscape such as safeguarding assets and data, ensuring compliance, and staying ahead of innovation to educate customers on the latest phishing and scam tactics,\" said Reuben Koh, Akamai's Asia-Pacific Japan director of security technology and strategy. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fapac-consumers-share-more-data-but-will-ditch-firms-over-security-breach\u002F\"\u003E\u003Cstrong\u003EAPAC consumers share more data, but will ditch firms over security breach\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"With financial services continuing to be the most targeted industry in Asia-Pacific, including Japan, for web application and API cyberattacks, technology decision-makers like chief information security officers must carefully decide where to automate, delegate, and outsource, ensuring scalable security solutions that not only defend assets but also preserve customer loyalty in an increasingly digital world.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-09-18 18:36:23",timezone:"UTC",updated:c,published:c},description:"The move comes amid growing phishing attacks targeting the financial services sector; most impacted by brand impersonation scams.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"10b398c8-a71b-428f-85fb-91d7abea7580",image:{id:"f0f638a3-c567-41e1-9c36-5e86f60da1d7",filename:"mobile-bank-oscar-wong092024.jpg",dateCreated:{created:c,date:"2024-09-18 05:53:36",timezone:"UTC",updated:c,published:c},alt:"woman looking at banking transaction on mobile",credits:"Oscar Wong\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F09\u002F18\u002Ff0f638a3-c567-41e1-9c36-5e86f60da1d7\u002Fmobile-bank-oscar-wong092024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"singapore-mandates-face-authentication-for-higher-risk-bank-transactions",startYear:c,summary:b,title:"Singapore mandates face authentication for 'higher risk' bank transactions",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fd151ec-ec91-11e3-95d2-02911863765e",slug:"asean",name:"Asean",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"aa44a0b2-71f8-464e-a3d0-87a415f9bbcf\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"hirun\u002FGetty Images\" data-image-alt-text=\"OTP on phone with laptop in background\" data-image-filename=\"security-otp-hirun072024.jpg\" data-image-date-created=\"2024\u002F07\u002F09\" data-image-width=\"2119\" data-image-height=\"1415\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EDBS, OCBC, and UOB in Singapore are slated to retire the use of one-time passwords (OTPs) for customers who have digital tokens, in a move that aims to combat \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\" target=\"_blank\"\u003Ephishing scams\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003ETo be phased out within the next three months, OTPs will remain available to customers of the three banks who still rely on physical tokens. These users, however, are \"strongly encouraged\" to activate their digital tokens to better safeguard their credentials against phishing attacks, according to a \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2024\u002Fbanks-in-singapore-to-strengthen-resilience-against-phishing-scams\" target=\"_blank\"\u003Ejoint statement\u003C\u002Fa\u003E released Tuesday by industry regulator Monetary Authority of Singapore (MAS) and The Association of Banks in Singapore (ABS).\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-must-move-past-pin-otp-to-ensure-mobile-security\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EBanks must move past PIN, OTP to ensure mobile security\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWith the OTP phase out, customers will have to use their digital tokens on their mobile devices for authentication when they log into their bank account or mobile banking app.\u003C\u002Fp\u003E\u003Cp\u003ESingapore adopted OTPs in the 2000s as an MFA (\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmulti-factor-authentication-how-to-enable-2fa-and-boost-your-security\u002F\" target=\"_blank\"\u003Emulti-factor authentication\u003C\u002Fa\u003E) option, but social engineering tactics have since grown more sophisticated. These have enabled scammers to more easily gain access to customers' OTPs via phishing attacks -- for example, through fraudulent bank websites created to resemble genuine ones. \u003C\u002Fp\u003E\u003Cp\u003ERetiring the use of OTPs will enhance the user authentication process and make it more difficult for scammers to access customer bank accounts and funds, without customers' explicit authorization through their mobile devices.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003EPhishing attacks\u003C\u002Fa\u003E were among the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\" target=\"_blank\"\u003Etop five scam\u003C\u002Fa\u003E categories last year in Singapore, accounting for SG$14.2 million ($10.52 million) lost through these scams, according to Singapore Police Force's (SPF) annual scams and cybercrime 2023 report.\u003C\u002Fp\u003E\u003Cp\u003ELocal banks have been working with MAS and law enforcement to implement \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003Emeasures\u003C\u002Fa\u003E that address this threat landscape, the industry regulator said.\u003C\u002Fp\u003E\u003Cp\u003E\"While they may give rise to some inconvenience, such measures are necessary to help prevent scams and protect customers,\" ABS director Ong-Ang Ai Boon said. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EBanks defending their right to security are missing the point about consumer trust\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EMAS last October laid out a framework detailing \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003Eparties that should be held responsible\u003C\u002Fa\u003E for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\"\u003Ephishing scams\u003C\u002Fa\u003E, with banks and telcos taking on accountability first and foremost. \u003C\u002Fp\u003E\u003Cp\u003EScams and cybercrime cases in Singapore climbed 49.6% in 2023, with the number of cases hitting 50,376, up from 33,669 cases \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-hit-by-growing-cybercrimes-clocks-501m-in-losses-from-scams\u002F\"\u003Ein 2022\u003C\u002Fa\u003E. Scams accounted for 92.4% of overall cases, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\" target=\"_blank\"\u003ESPF's numbers revealed\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EThe police force works with various institutions, including fintech companies and cryptocurrency platforms, via its Anti-Scam Command office to freeze accounts and recover funds \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\"\u003Eto reduce losses\u003C\u002Fa\u003E. More than 19,600 bank accounts were frozen in 2023 based on investigations by the Anti-Scam Command Centre, recovering more than SG$100 million. \u003C\u002Fp\u003E\u003Cp\u003EThe center also works with local telcos and e-commerce platforms on anti-scam measures, terminating more than 9,200 mobile lines and 29,200 WhatsApp lines in 2023 that were suspected of being used in scams. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-07-10 14:54:00",timezone:"UTC",updated:c,published:c},description:"The move to phase out OTP authentication is part of efforts by Singapore's financial institutions to safeguard against phishing.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"ca38fc95-e98d-401b-8586-a5382aa80d5c",image:{id:"aa44a0b2-71f8-464e-a3d0-87a415f9bbcf",filename:"security-otp-hirun072024.jpg",dateCreated:{created:c,date:"2024-07-09 07:13:36",timezone:"UTC",updated:c,published:c},alt:"OTP on phone with laptop in background",credits:"hirun\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F07\u002F09\u002Faa44a0b2-71f8-464e-a3d0-87a415f9bbcf\u002Fsecurity-otp-hirun072024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2119,height:1415,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens",startYear:c,summary:b,title:"3 banks plan to retire one-time passwords for customers with digital tokens",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"f4022b9c-91a0-4649-9df7-7ded27a568a4\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Credit: OCBC\" data-image-alt-text=\"ocbc-securities-oscar042024\" data-image-filename=\"ocbc-securities-oscar042024.jpg\" data-image-date-created=\"2024\u002F06\u002F18\" data-image-width=\"8256\" data-image-height=\"5504\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOCBC has introduced a stock picker tool powered by an artificial intelligence (AI) engine that is trained on data from stock exchanges across three global markets, including Hong Kong and the US. \u003C\u002Fp\u003E\u003Cp\u003ECalled A.I. Oscar, the AI platform was trained with data from 4,000 stocks listed on the Singapore Stock Exchange, Hong Kong Exchange, NASDAQ, New York Stock Exchange, and NYSE American. The data spans more than 10 years' worth of stock fundamentals, macroeconomic factors, market patterns, and technical indicators related to the stocks, according to OCBC Securities, the brokerage subsidiary of Singapore bank OCBC. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-in-singapore-begin-sharing-data-to-combat-financial-crime\u002F\"\u003EBanks in Singapore begin sharing data to combat financial crime\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe training data is updated daily to keep the AI platform current and continuously finetuned by \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-bank-sets-up-unit-to-drive-in-house-ai-development\u002F\" target=\"_blank\"\u003EOCBC's team of data scientists\u003C\u002Fa\u003E and trading strategists, who assess the latest AI modeling techniques to improve A.I. Oscar's prediction accuracy and market understanding, OCBC said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the AI tool can predict stock price movements and generate stock picks based on the user's personal risk profile and trading patterns. This includes the investor's past trading activities and demographic data. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe tool then analyzes the data to generate a list of 15 stocks each week, curated from exchanges in the three global markets, which are the top three in which OCBC Securities' customers trade. \u003C\u002Fp\u003E\u003Cp\u003E\"This personalization allows investors to filter stocks that are highly likely to meet their trading preferences and criteria, and to immediately act on the idea by making a trade,\" the bank said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the AI tool was first piloted based on Singapore stocks between last October and this April before it was expanded to include the US and Hong Kong markets.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbank-cio-we-dont-need-ai-pros-we-need-critical-thinkers-to-challenge-ai\u002F\"\u003EBank CIO: We don't need AI whizzes, we need critical thinkers to challenge AI\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EA.I. Oscar is offered as a free service for OCBC Securities' customers via the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Focbc-integrates-voice-command-service-with-banking-app\u002F\" target=\"_blank\"\u003EiOCBC mobile app\u003C\u002Fa\u003E, iOCBC online trading platform, and email.\u003C\u002Fp\u003E\u003Cp\u003EThe bank is hoping the launch will help triple the number of active customers aged under 35, over the next three years. Some 97% of all trades made by this customer segment last year were processed through digital platforms, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fnearly-50-of-people-want-an-ai-clone-to-do-this-for-them\u002F\" target=\"_blank\"\u003Ebypassing advice or guidance from a human\u003C\u002Fa\u003E broker. \u003C\u002Fp\u003E\u003Cp\u003EIn addition, young investors opened more than half of all new trading accounts in 2023, OCBC said, noting that A.I. Oscar is targeted as a tool for customers who lean toward self-directed investing. \u003C\u002Fp\u003E\u003Cp\u003EOCBC said that trading activities among investors aged under 35 climbed by 50% during the pilot, compared to the months before the trial last year.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F6-ways-ai-can-help-launch-your-next-business-venture\u002F\"\u003E6 ways AI can help launch your next business venture\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"Unlike rule-based models that make decisions based on a set of pre-determined criteria, A.I. Oscar identifies patterns in data to create dynamic prediction parameters,\" OCBC said. The platform is powered by deep learning algorithms that tap neural network models, the bank said. \u003C\u002Fp\u003E\u003Cp\u003EOCBC Securities' managing director Wilson said: \"Investors already have access to a wide range of information, but the challenge lies in being able to find the information relevant to them and to distill it into an actionable trading idea. Being able to do so quickly is especially important in today's fast-paced world. A.I. Oscar addresses this need, and we expect it to become an indispensable tool, especially for digitally savvy young investors who prefer the self-service model.\"\u003C\u002Fp\u003E\u003Cp\u003EThe AI tool's ability to generate stock ideas also provides a starting point for discussions between the bank's trading agents and customers, he said. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"c1c64b97-f918-4f5b-acae-43981f87d8e6\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fc1c64b97-f918-4f5b-acae-43981f87d8e6\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-06-18 18:22:24",timezone:"UTC",updated:c,published:c},description:"Trained on data from stock exchanges in three markets, the Singapore bank's AI platform predicts price movements and generates stock picks based on a user's personal risk profile and trading patterns.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a181d2ee-44b1-49a7-8e6e-cb73d345e311",image:{id:"f4022b9c-91a0-4649-9df7-7ded27a568a4",filename:"ocbc-securities-oscar042024.jpg",dateCreated:{created:c,date:"2024-06-18 06:05:46",timezone:"UTC",updated:c,published:c},alt:"ocbc-securities-oscar042024",credits:"Credit: OCBC",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F06\u002F18\u002Ff4022b9c-91a0-4649-9df7-7ded27a568a4\u002Focbc-securities-oscar042024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8256,height:5504,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Innovation^Artificial Intelligence",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-ai-tool-identifies-stock-buys-based-on-users-risk-appetite",startYear:c,summary:b,title:"Bank's AI tool identifies stock buys based on user's risk appetite",topic:{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1147b242-ec91-11e3-95d2-02911863765e",slug:"smartphones",name:"Smartphones",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThe Monetary Authority of Singapore (MAS) and six banks have launched COSMIC, a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\" target=\"_blank\"\u003Ecommon data platform\u003C\u002Fa\u003E to let financial institutions exchange insights on possible financial crime activities. DBS, UOB, Standard Chartered, Citibank, and HSBC have begun sharing customer information carrying \"red flags\" so they can warn each other of potential financial crime, such as money laundering and terrorism financing, MAS said. \u003C\u002Fp\u003E\u003Cp\u003EThe six banks will only share data if the customer's profile or behavior exhibits \"certain objectively-defined indicators of suspicion,\" the central bank said in a statement on Monday. COSMIC is supposed to plug gaps where financial institutions are unable to alert each other about unusual activities involving their customers due to confidentiality requirements.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003ESingapore wants banks and telcos to bear losses if found negligent in phishing scams\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn May 2023, Singapore \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\" target=\"_blank\"\u003Eproposed amendments to its Financial Services and Markets Bill\u003C\u002Fa\u003E to facilitate the sharing of data and establish the legal framework to do so via the data platform. These amendments have kicked in with the launch of COSMIC, according to MAS. The bill sets out policies and operational guidelines to which participants must adhere to safeguard the confidentiality of the shared data.\u003C\u002Fp\u003E\u003Cp\u003E\"This will allow participant financial institutions to share information on potential criminal behavior, while safeguarding the interests of the vast majority of customers who are legitimate,\" MAS said. \"Customers are encouraged to continue to provide timely responses if requested by financial institutions to provide clarifications on their risk profiles or transactions, so that financial institutions can make informed risk assessments.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe six banks will share information on a voluntary basis, focusing on three commercial banking crime risks: the misuse of legal persons, trade finance for illicit purposes, and proliferation financing, which encompasses the moving or raising of funds and assets to support the proliferation of weapons of mass destruction.\u003C\u002Fp\u003E\u003Cp\u003ELast year, MAS said COSMIC would be operational in H2 2024, after the six banks had started sharing data. This additional time is designated for finetuning features and resolving operational issues before the platform is fully operational. MAS also plans to expand data platform access to more financial institutions and add more risk areas, making data sharing mandatory in higher-risk situations.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-04-01 20:34:13",timezone:"UTC",updated:c,published:c},description:"Six banks will share customer data deemed suspicious in a bid to fight money laundering and terrorism financing activities.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"8ea1624e-b796-4fc3-9ec0-698d18857839",image:{id:"31533fa5-2e59-44f2-94c5-4603d9695bae",filename:"global-data-gettyimages-1337196402.jpg",dateCreated:{created:c,date:"2024-01-19 16:32:07",timezone:"UTC",updated:c,published:c},alt:"global-data-gettyimages-1337196402",credits:"Yuichiro Chino\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F01\u002F19\u002F31533fa5-2e59-44f2-94c5-4603d9695bae\u002Fglobal-data-gettyimages-1337196402.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-in-singapore-begin-sharing-data-to-combat-financial-crime",startYear:c,summary:b,title:"Banks in Singapore begin sharing data to combat financial crime",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"0feec2d0-ec91-11e3-95d2-02911863765e",slug:"big-data",name:"Big Data",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0a6fffc2-2220-44ba-99e4-4c567f6f57bb",username:"maria-diaz-zd",profileUrl:c,email:c,firstName:"Maria",lastName:"Diaz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d89921b7-c002-40ef-8401-f002f1a769e9",filename:"maria-diaz.jpg",dateCreated:{created:c,date:"2022-08-05 14:44:33",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fd89921b7-c002-40ef-8401-f002f1a769e9\u002Fmaria-diaz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Maria Diaz is a staff writer based in the Raleigh-Durham, NC area with a passion for home automation and a background in graphic design, photography, and filmmaking. She has a bachelor's in Mass Communication and experience in journalism.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EBudgeting can be challenging, but with many Americans living paycheck-to-paycheck, it's a necessary evil for most of us. What that budget looks like, however, is different for everyone. Budget apps simplify the process by helping you track your spending, reach financial goals, and even lower your debt.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-early-black-friday-deals-amazon-walmart-best-buy-and-more\u002F\"\u003EBest early Black Friday deals: Amazon, Walmart, Best Buy, and more\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EWith \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Fintuit-kills-mint-and-personal-finance-app-users-are-unhappy\u002F\" target=\"_blank\"\u003EIntuit shutting down Mint\u003C\u002Fa\u003E, one of the most popular budget apps, users are looking for alternatives. If you're a former Mint user or simply looking to be budget-conscious ahead of the Black Friday shopping craze this holiday season, we've rounded up the best budget apps available today. \u003C\u002Fp\u003E\u003Ch2\u003EThe best budget apps of 2023\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"67aebe55-f637-44cc-a1c2-03505144cb7c\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E No free version, 30-day free trial&nbsp;| \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E Must purchase plan to use | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $15\u002Fmonth or $99\u002Fyear | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking available\u003C\u002Fp\u003E\u003Cp\u003EAs one of the most popular budgeting apps, YNAB (why-nab) is a great choice for anyone looking to get serious about their personal finance, achieving savings goals, and wiping out debt. As a detailed budgeting tool, YNAB makes easy work of expense tracking in real-time thanks to the ability to link your bank accounts.\u003C\u002Fp\u003E\u003Cp\u003EOne downside is that YNAB requires a subscription to use it, as there is no free version of the app. YNAB gives users a 30-day free trial before charging the user for a subscription, a time in which the app claims to save users up to $200. After the 30-day trial period ends, users can pay $15\u002Fmonth or $99\u002Fyear for the app.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"You Need a Budget (YNAB)\" data-superlative=\"Best budget app overall\" data-imagegroup=\"{"alt":"You need a budget YNAB","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1f027e2e-12ff-4201-bacc-72f9f1741108","title":"You need a budget YNAB","filename":"ynab.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1f027e2e-12ff-4201-bacc-72f9f1741108\u002Fynab.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2278887,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:12:15","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:12:28","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"You need a budget YNAB","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1f027e2e-12ff-4201-bacc-72f9f1741108","imageAltText":"You need a budget YNAB","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ynab.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value","offerMerchant":"YNAB","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ynab.com\u002F","url":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fynab-budgeting-finance\u002Fid1010865877","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.youneedabudget.evergreen.app&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Long free trial period~Loan calculator~Compatible with many banks\" data-dislike=\"Must purchase plan~No bill-paying capabilities\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"88b8754d-fa64-422b-81d3-03a81632136a\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Bank account linking, balance alerts, subscription flagger, spending tracker&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Subscription cancellation assistant, money expert advice, bill negotiation, savings account, and credit card&nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$3-$12\u002Fmonth or $36-$144\u002Fyear |&nbsp;\u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E&nbsp;Sliding scale subscription cost\u003C\u002Fp\u003E\u003Cp\u003ERocket Money is a budget app that tracks subscriptions and bills and helps you identify potential savings in your recurrent expenses for free. It lets users link accounts and flags subscriptions for you, making it easy to cancel the ones you no longer need. The Rocket Money app also reminds you of due bills to prevent late payments and features a spending tracker for financial budgeting.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Rocket Money app is free for budgeting and spotting unnecessary subscriptions but there is a Premium subscription that gives users access to bill negotiation, a cancellations assistant to cancel those subscriptions for you,&nbsp;and more. The Premium subscription is available for a variable cost that ranges from $3 to $12 monthly.\u003C\u002Fp\u003E\" data-hed=\"Rocket Money\" data-superlative=\"Best free budget app\" data-imagegroup=\"{"alt":"Rocket Money","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"65e12395-fb07-415b-915f-798ea57e3665","title":"Rocket Money","filename":"rocke.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F65e12395-fb07-415b-915f-798ea57e3665\u002Frocke.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2308087,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:20:25","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:20:34","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Rocket Money","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"65e12395-fb07-415b-915f-798ea57e3665","imageAltText":"Rocket Money","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"rocke.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value","offerMerchant":"Rocket Money","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.rocketmoney.com\u002F","url":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Frocket-money-bills-budgets\u002Fid1130616675","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.truebill&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Bill negotiations~Sync all of your accounts~Sliding scale pricing\" data-dislike=\"Limited features with free plan option\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"db41312c-45b7-4852-9383-d7add6ce62b1\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Envelope budgeting and transaction tracking; limit 20 envelopes&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Unlimited envelopes, support for up to five devices, &nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$8\u002Fmonth or $70\u002Fyear&nbsp;| where are you make a good very good for you it's like\u003C\u002Fp\u003E\u003Cp\u003EAs a mom of three who enjoys a good budget (pun intended) with both spreadsheets and pen and paper, Goodbudget is one of my favorite apps. Goodbudget strips down the bells and whistles of a traditional budgeting app in favor of a straightforward approach that multiple household members can see and manage.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EGoodbudget has you allocate funds into digital envelopes, just like you'd put physical cash into paper envelopes. The budget can be set according to the user's individual needs and how often income comes in, and the user categorizes different expenses and sets a budget for each one.\u003C\u002Fp\u003E\u003Cp\u003EFor example, if we typically spend $180 on gas monthly, I create a $200 digital envelope in Goodbudget labeled Gas, to account for any pricing fluctuations. Whatever isn't used, I can "sweep" into savings or debt repayment.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Goodbudget\" data-superlative=\"Best budget app for the envelope method\" data-imagegroup=\"{"alt":"Goodbudget","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","title":"Goodbudget","filename":"goodb.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1d6e0536-b804-4ad9-aaa1-c4124a00083e\u002Fgoodb.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2519060,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:25:13","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:25:19","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Goodbudget","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","imageAltText":"Goodbudget","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"goodb.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fgoodbudget-budget-planner\u002Fid471112395","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.dayspringtech.envelopes&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Goodbudget","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fgoodbudget.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Smart reporting~Affordable plan~Compatible with several devices\" data-dislike=\"Must manually log items~Paid plan has the best features\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c2018f22-0ecf-41fa-8bab-320d2fd25008\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E&nbsp;Does have ads | \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E No subscriptions | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E Free | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking, messaging, joint banking account\u003C\u002Fp\u003E\u003Cp\u003EHoneydue is a free app that is specifically designed for two people managing budgets together, which could help when couples and young families are building a shared financial picture. The fact that Honeydue is free means couples who don't want to invest in a budgeting app don't have to, though the app does have ads.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Honeydue app lets users link their bank accounts for real-time expense tracking, like Mint and other budget apps do, but it also has an in-app chat that lets the couple discuss finances without switching to a messaging app.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere's also the option to open a joint bank account with a debit card that features no monthly fees or minimum deposit requirements.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Honeydue\" data-superlative=\"Best budget app for couples\u002Ffamilies\" data-imagegroup=\"{"alt":"Honeydue","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"cdd5b9c1-4729-4589-8512-604cffe190b8","title":"Honeydue","filename":"honeydue.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fcdd5b9c1-4729-4589-8512-604cffe190b8\u002Fhoneydue.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2259598,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:40:30","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:40:38","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Honeydue","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"cdd5b9c1-4729-4589-8512-604cffe190b8","imageAltText":"Honeydue","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"honeydue.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Honeydue","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.honeydue.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apps.apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fhoneydue-couples-finance\u002Fid1157633945","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Play.google","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.honeydue.honeydue&hl=en&pcampaignid=MKT-Other-global-all-co-prtnr-py-PartBadge-Mar2515-1&pli=1","url":""}]\" data-usepricing=\"true\" data-like=\"~Free to use ~Joint banking account ~In-app messaging with partner\" data-dislike=\"~Few savings\u002Ffinancial goals abilities ~There are ads\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"97d358b6-1b9c-4e90-8b03-f36235959cc4\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree\u003C\u002Fstrong\u003E\u003Cstrong\u003E version:\u003C\u002Fstrong\u003E Basic budgeting features |\u003Cstrong\u003E Paid version:\u003C\u002Fstrong\u003E&nbsp;Debt payoff plan, unlimited budgets, extended transaction history&nbsp; | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $8\u002Fmonth, $35\u002Fyear, $80\u002Flifetime&nbsp;|\u003Cstrong\u003E Extra features:\u003C\u002Fstrong\u003E Pie chart reports for free and paid users, "In My Pocket" tracker\u003C\u002Fp\u003E\u003Cp\u003EUtilizing smart algorithms to manage and track spending, PocketGuard takes a modern approach to budgeting. The app monitors your bills, helping to remind you ahead of missing payments. True to its name, Pocketguard's built-in anti-fraud feature helps to keep track and alerts you of suspicious spending trends.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWith the "In My Pocket" (IMP) feature, the app automatically calculates monthly expenses and then notifies you of any leftover funds.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhile you don't have to pay to use PocketGuard, you must subscribe if you want to access all of the best features.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"PocketGuard\" data-superlative=\"Best budget app for overspenders\" data-imagegroup=\"{"alt":"PocketGuard","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"69c262c1-fd32-4d61-b4f6-25317291a0e3","title":"PocketGuard","filename":"pocketguard.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F69c262c1-fd32-4d61-b4f6-25317291a0e3\u002Fpocketguard.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1625464,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:46:16","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:46:24","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"PocketGuard","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"69c262c1-fd32-4d61-b4f6-25317291a0e3","imageAltText":"PocketGuard","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"pocketguard.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fpocketguard-money-budgeting\u002Fid949414211","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.pocketguard.android.app&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Pocketgaurd","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fpocketguard.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Suspicious transactions monitoring~Debt payoff plan~Negotiate interest rates\" data-dislike=\"Paid plan for best features~Lower Google Play Store rating\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c1a419c1-19af-4522-8912-48381505968d\" data-edition=\"us\" data-description=\"\u003Cp\u003EYNAB is our pick for the best budgeting app because it combines many features and is easy to use. However, that doesn't make YNAB the best budget app for everyone. Rocket Money is a top choice for anyone looking to save some cash, thanks to its sliding scale of pricing and expansive services. Here's how the apps we looked into stack up:&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EBudgeting app\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EZDNET's take\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003ECost\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EApp Store Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EGoogle\u003C\u002Fstrong\u003E\u003Cstrong\u003E Play\u003C\u002Fstrong\u003E\u003Cstrong\u003E Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E (YNAB)\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest budget app overall\u003C\u002Ftd\u003E\u003Ctd\u003E$15\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.80\u003C\u002Ftd\u003E\u003Ctd\u003E4.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest free budget app\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $3-$12\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.30\u003C\u002Ftd\u003E\u003Ctd\u003E4.4\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for the envelope method\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.60\u003C\u002Ftd\u003E\u003Ctd\u003E4.2\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for couples\u003C\u002Ftd\u003E\u003Ctd\u003EFree with ads\u003C\u002Ftd\u003E\u003Ctd\u003E4.50\u003C\u002Ftd\u003E\u003Ctd\u003E3.3\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for overspenders\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.70\u003C\u002Ftd\u003E\u003Ctd\u003E3.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cc870d10-dedf-4cdd-b35f-509c47cc3b42\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe right budget app for you will depend on how you want to budget, whether you want specific features like bill negotiations or credit scores, whether you have a single or combined checking account, and what price you're willing to spend per month for a subscription.\u003C\u002Fp\u003E\u003Cp\u003EBelow, I've broken down the options further.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EChoose this budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E app...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EIf\u003C\u002Fstrong\u003E\u003Cstrong\u003E you...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E (\u003Cstrong\u003EYNAB\u003C\u002Fstrong\u003E)\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EAre committed to creating and achieving your ideal financial budget. Its free trial lasts 30 days, so you can try it out for a month before subscribing.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket\u003C\u002Fstrong\u003E\u003Cstrong\u003E Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant great options for free or a lower price. The app can handle bill negotiations for you to get you lower prices on what you pay monthly.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EPrefer budgeting using the envelope method. You can sync your budget(s) across multiple users&nbsp;and devices.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EWould like to include your partner in your financial planning. Track expenses together and message in-app to discuss spending.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant to track your spending. It has a debt payoff plan to get you back on track.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right budget app for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"280b4abe-1ff6-479d-8ac4-67c69fc92667\" data-edition=\"us\" data-description=\"\u003Cp\u003EChoosing the best budget apps on this list involved a lot of testing and creating many accounts in different apps to compare their features and test their performance. Here are some ways you can narrow down your choices to decide which is best for you:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EFinancial needs:\u003C\u002Fstrong\u003E Consider not only your individual financial needs but also the goals you want to achieve. Do you want to track daily expenses and build an emergency fund? Or are you trying to cut expenses and pay down debt? Are you planning for a big life event you want to save for, like buying a car or a house? These are all things you should consider, as they will shape how you use your budgeting app.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EEase of use:\u003C\u002Fstrong\u003E It's worth testing out different options to determine which user interface you prefer in a budget app. I've been a committed budgeter for years, yet I don't like using the apps that link my bank account, so I prefer apps like Goodbudget, even if I don't use the envelope method in real life. I also like the data that PocketGuard offers, so I have a visual picture of my spending habits. If you like an app that links to your financial account in real time, then you'd do great with other apps like YNAB or Honeydue.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees:\u003C\u002Fstrong\u003E Budgeting apps often charge a fee for their services, whether it is an upfront fee or an ongoing monthly or annual fee. Be sure to review all fees in advance, so you can be sure that you choose the right service for your needs.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these budgeting apps?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e338db83-da68-4ce6-9398-b4683b088f84\" data-edition=\"us\" data-description=\"\u003Cp\u003EA budget&nbsp;app is a mobile service that typically allows you to track your spending and increase your savings.&nbsp; You can typically sync your accounts to view a complete financial portrait, all within a single app. Here, you will find our picks for the best budgeting app for your financial needs.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1a69d0be-f6af-4943-ad92-a9fed6d28064\" data-edition=\"us\" data-description=\"\u003Cp\u003ELike anything else, a budget&nbsp;app only works if you use it regularly. Many apps offer financial tools and resources that can help you reduce your debt and expand your financial worth by providing expense and other reports.\u003C\u002Fp\u003E\" data-hed=\"Do budgeting apps work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"32024c0e-7557-470f-80fe-cb796334ee11\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many finance apps available in the App Store or the Google Play Store. However, not all of them are legit or can successfully help you create a budget. Below, are some other trustworthy budget app options.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are there alternative budget apps worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8d67aba4-0275-4e5c-acdf-5b975aee8be5\" data-edition=\"us\" data-description=\"\u003Cp\u003EView and pay your bills, manage spending, and plan ahead for tax season with Simplifi.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Simplifi by Quicken\" data-imagegroup=\"{"alt":"Simplifi by Quicken","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"645c2b30-681f-4aaa-a628-ad55875d2a1c","title":"Simplifi by Quicken","filename":"quicken.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F645c2b30-681f-4aaa-a628-ad55875d2a1c\u002Fquicken.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3437102,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:05:36","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:05:44","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Simplifi by Quicken","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"645c2b30-681f-4aaa-a628-ad55875d2a1c","imageAltText":"Simplifi by Quicken","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"quicken.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for tax season prep\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2","offerMerchant":"Quicken","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.quicken.com\u002Fpersonal-finance\u002Fquicken-simplifi","url":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2"}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7d1958af-eaf5-4624-976d-780578b41450\" data-edition=\"us\" data-description=\"\u003Cp\u003EEverydollar has features like paycheck planning, saving funds, group financial coaching, and more.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Everydollar\" data-imagegroup=\"{"alt":"Everydollar","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"b6d8a980-c131-4b4c-bc1b-3b051202c247","title":"Everydollar","filename":"every.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fb6d8a980-c131-4b4c-bc1b-3b051202c247\u002Fevery.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2474782,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:04:41","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:04:47","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Everydollar","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"b6d8a980-c131-4b4c-bc1b-3b051202c247","imageAltText":"Everydollar","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"every.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for those new to budgeting\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Everydollar","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ramseysolutions.com\u002Framseyplus\u002Feverydollar","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9e582cbb-ea75-4931-aa8d-7862826d093a\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're looking for an&nbsp;app to help your kids learn how to create budgets and manage chores, BusyKid is a great choice.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"BusyKid\" data-imagegroup=\"{"alt":"BusyKid","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"6040a20a-4424-4d14-a35c-b72465980773","title":"BusyKid","filename":"busykid.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F6040a20a-4424-4d14-a35c-b72465980773\u002Fbusykid.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3081689,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:05:11","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:05:18","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"BusyKid","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"6040a20a-4424-4d14-a35c-b72465980773","imageAltText":"BusyKid","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"busykid.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for parents\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Busykid","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fbusykid.com\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-11-13 19:49:00",timezone:"UTC",updated:c,published:c},description:"Mint may be gone, but there are still many great budget apps that promise to help you set financial goals and save money. We tested that promise to find out which are the best ones.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c77e10c2-d0d1-417d-85e7-a107f681417d",image:{id:"3c394298-d95e-44c2-8bc9-d24bef52f01e",filename:"smart-apps-make-for-smarter-financial-planning-stock-photo.jpg",dateCreated:{created:c,date:"2023-11-10 16:09:57",timezone:"UTC",updated:c,published:c},alt:"Shot of a young man using a smartphone while going over his finances at home",credits:"Katleho Seisa via Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F3c394298-d95e-44c2-8bc9-d24bef52f01e\u002Fsmart-apps-make-for-smarter-financial-planning-stock-photo.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8013,height:4508,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Tech^Services & Software",relatedItems:[]},name:b,promoTitle:"The best budgeting apps: Find the Mint alternative that's right for you",section:b,slug:"best-budget-app",startYear:c,summary:b,title:"The best budgeting apps of 2023",topic:{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best 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Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d}],componentLabel:c,description:c,filters:c,paging:c,slug:"dynamic-topic-listing-right-rail-basic-latest",title:"Latest",label:c,viewMoreText:c,viewMoreUrl:c,relatedItems:c},{id:"2ffa34dd-efe5-440b-bcdf-7eae560bba29",meta:{componentName:"2ffa34dd-efe5-440b-bcdf-7eae560bba29",componentDisplayName:c,componentType:"ContentList"},metadata:{},links:{self:{href:"https:\u002F\u002Fbender.cnetstatic.com\u002Fapi\u002Fneutron\u002Fcomponents\u002Fzdnet\u002Flisting\u002Fdynamic_listing\u002F2ffa34dd-efe5-440b-bcdf-7eae560bba29\u002Fweb?searchBy=id&topicSlug=banking&componentType=ContentList&componentName=2ffa34dd-efe5-440b-bcdf-7eae560bba29"}},items:[{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"f0f638a3-c567-41e1-9c36-5e86f60da1d7\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Oscar Wong\u002FGetty Images\" data-image-alt-text=\"woman looking at banking transaction on mobile\" data-image-filename=\"mobile-bank-oscar-wong092024.jpg\" data-image-date-created=\"2024\u002F09\u002F18\" data-image-crop=\"2121x1192+0+222\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ESingapore has mandated the use of facial recognition as authentication for \"higher risk\" banking transactions, in a bid to stem \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\"\u003Egrowing scams in the country\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003ERetail banks will roll out Singpass Face Verification over the next three months to beef up the setup process for digital tokens, according to a joint \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2024\u002Fmajor-retail-banks-to-introduce-singpass-face-verification\u002F\"\u003Estatement\u003C\u002Fa\u003E released Wednesday by industry regulator Monetary Authority of Singapore (MAS) and the Association of Banks in Singapore (ABS). \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fnon-cash-transactions-to-hit-1-6t-with-asia-leading-adoption\u002F\"\u003E\u003Cstrong\u003ENon-cash transactions to hit 1.6T, with Asia leading adoption\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EVerification mode will be triggered in higher-risk scenarios to complement existing authentication methods for setting up digital tokens, they said. Ultimately, face scans verify a customer's identity against Singapore's records before the digital token can be activated for use by the customer. \u003C\u002Fp\u003E\u003Cp\u003E\"This makes it more difficult for a scammer to take over a customer's digital token by setting it up on his own device using phished credentials such as an SMS, one-time passwords (OTPs), and\u002For bank card information,\" MAS said.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-lawyers-offered-access-to-microsoft-copilot-but-reminded-to-have-human-oversight\u002F\"\u003E\u003Cstrong\u003EMicrosoft Copilot to be integrated into Singapore's legal technology platform\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ECustomers who do not already have a Singpass account will have to register for an account and download the Singpass app before they can set up digital tokens for their bank accounts. \u003C\u002Fp\u003E\u003Cp\u003EIntroduced in 2003, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-spruces-up-e-government-platform-touts-service-portfolio\u002F\"\u003ESingpass\u003C\u002Fa\u003E is the national digital identity used to authenticate access to various online activities in Singapore, including e-government services, document signing, and booking medical appointments. It is used in more than 2,700 services across 800 government agencies and businesses, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-adds-face-verification-multi-user-sms-to-singpass-2fa\u002F\"\u003Ewith authentication\u003C\u002Fa\u003E via biometrics or SMS two-factor authentication (2FA). \u003C\u002Fp\u003E\u003Cp\u003ESingpass currently has more than 4.2 million users, processing more than 41 million transactions each month, according to government agency \u003Ca href=\"https:\u002F\u002Fwww.tech.gov.sg\u002Fproducts-and-services\u002Ffor-citizens\u002Fdigital-services\u002Fsingpass\u002F\"\u003EGovTech\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fasian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool\u002F\"\u003E\u003Cstrong\u003E Asian banks are a favorite target of cybercrooks, and malicious bots their preferred tool\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe latest move is part of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-pushed-to-introduce-security-measures-amidst-online-banking-scams\u002F\"\u003Esecurity measures banks in Singapore\u003C\u002Fa\u003E have implemented, including a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\"\u003Ekill switch\u003C\u002Fa\u003E, to safeguard customers against scams. In July, local banks -- DBS, OCBC, and UOB also unveiled plans to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens\u002F\"\u003Eretire the use of one-time passwords\u003C\u002Fa\u003E (OTPs) for customers who have digital tokens. \u003C\u002Fp\u003E\u003Cp\u003EABS director Ong-Ang Ai Boon said: \"Singpass Face Verification gives customers increased protection against unauthorized access to their bank accounts, adding to the suite of measures and tools that banks have provided customers to empower them to guard themselves against scams. While banks will continue to do their part to fight scams, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-urges-shared-responsibility-in-preventing-online-scams-as-it-readies-liability-framework\u002F\"\u003Ecustomers need to be vigilant themselves\u003C\u002Fa\u003E and practice good cyber hygiene.\"\u003C\u002Fp\u003E\u003Cp\u003EIt's a critical move as digital tokens are used to approve subsequent transactions, noted Loo Siew Yee, MAS' assistant managing director for policy, payments, and financial crime.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-must-move-past-pin-otp-to-ensure-mobile-security\u002F\"\u003E\u003Cstrong\u003EBanks must move past PIN, OTP to ensure mobile security\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAdditional verification is used for higher risk scenarios by banks such as \u003Ca href=\"https:\u002F\u002Fwww.dbs.com.sg\u002Fpersonal\u002Fsupport\u002Fbank-ibanking-digital-token-additional-security.html\"\u003EDBS\u003C\u002Fa\u003E, for instance, that involve adding a payee or updating personal particulars. \u003C\u002Fp\u003E\u003Cp\u003ESingapore's ongoing efforts to beef up the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-in-singapore-begin-sharing-data-to-combat-financial-crime\u002F\"\u003Ecyber resilience of banks\u003C\u002Fa\u003E come amid growing attacks targeting the financial services sector. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe industry remains the world's most frequently targeted for Layer 3 and 4 distributed denial-of-service (DDoS) attacks for the second consecutive year, according to Akamai Technologies' latest \u003Ca href=\"https:\u002F\u002Fwww.akamai.com\u002Flp\u002Fsoti\u002Ffinancial-services-trends-2024\"\u003EState of the Internet (SOTI) report\u003C\u002Fa\u003E. Such attacks aim for network and transport layers with the intent to overwhelm network infrastructures and clog bandwidth.\u003C\u002Fp\u003E\u003Ch2\u003EFinancial services sector remains a popular target for attack\u003C\u002Fh2\u003E\u003Cp\u003EFinancial services account for 34% of DDoS attacks, followed by gaming at 18%, and high technology at 15%, as documented in the report, whose insights are based on data from Akamai Connected Cloud. \u003C\u002Fp\u003E\u003Cp\u003EIt attributed the spike in DDoS activities to ongoing geopolitical tensions that drove up hacktivism, with the involvement of well-known threat actors including REvil, BlackCat (ALPHV), and KillNet, commonly linked to the Russian-Ukraine war.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-updates-ot-security-blueprint-to-focus-on-data-sharing-and-skills\u002F\"\u003E\u003Cstrong\u003ESingapore updates OT security blueprint to focus on data sharing and cyber resilience\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn addition, 36% of all suspicious sites monitored by Akamai are implicated in brand impersonation and abuse activities targeting the financial services sector. \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\"\u003EPhishing attacks\u003C\u002Fa\u003E also dominate counterfeit sites targeting financial services, accounting for 68% of all recorded instances. \u003C\u002Fp\u003E\u003Cp\u003EAkamai further pointed to a sharp climb in the number of Layer 7 DDoS attacks that specifically target applications via APIs (application programming interfaces). \"A major concern [is] undocumented shadow APIs, which are often unprotected because information security teams are unaware of their existence,\" the report noted. \"Attackers can exploit these APIs to exfiltrate data, bypass authentication controls, or perform disruptive acts.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F#link=%7B%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F%22,%22target%22:%22_blank%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3EBanks%20defending%20their%20right%20to%20security%20are%20missing%20the%20point%20about%20consumer%20trust%3C\u002Fstrong%3E%22%7D\"\u003E\u003Cstrong\u003EBanks defending their right to security are missing the point about consumer trust\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn particular, the Asia-Pacific region clocked the highest median threat score for phishing attacks, according to the Akamai study. Specifically, it saw a high number of suspicious domains and requests. \u003C\u002Fp\u003E\u003Cp\u003EThe region's high digital adoption as well as active engagement on social media put its financial sector in a vulnerable position to cyber attacks, Akamai said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the region also faces unique cybersecurity challenges due to its fragmented landscape, where countries in the West and Global South with strong gross domestic product (GDP) make it a prime target for attacks. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\"\u003E\u003Cstrong\u003EThis data platform will help banks share criminal intelligence\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"The rapid digitalization in banking, combined with low awareness of phishing dangers, puts consumers at a higher risk of attacks despite this region having fewer phishing or brand impersonation domains compared to other parts of the world,\" the report noted. \"This indicates that consumers in the region are at a higher risk of having their banking information and other sensitive data stolen when visiting websites.\"\u003C\u002Fp\u003E\u003Cp\u003EWith almost all services available online, alongside financial organizations' increased engagement on social media, Asia-Pacific's internet adoption makes it a prime target for cybercriminals. It provides more avenues for phishing and impersonation attacks, exploiting users' trust in these platforms. \u003C\u002Fp\u003E\u003Cp\u003E\"Financial institutions in [the region] face a trifecta of challenges in today's landscape such as safeguarding assets and data, ensuring compliance, and staying ahead of innovation to educate customers on the latest phishing and scam tactics,\" said Reuben Koh, Akamai's Asia-Pacific Japan director of security technology and strategy. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fapac-consumers-share-more-data-but-will-ditch-firms-over-security-breach\u002F\"\u003E\u003Cstrong\u003EAPAC consumers share more data, but will ditch firms over security breach\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"With financial services continuing to be the most targeted industry in Asia-Pacific, including Japan, for web application and API cyberattacks, technology decision-makers like chief information security officers must carefully decide where to automate, delegate, and outsource, ensuring scalable security solutions that not only defend assets but also preserve customer loyalty in an increasingly digital world.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-09-18 18:36:23",timezone:"UTC",updated:c,published:c},description:"The move comes amid growing phishing attacks targeting the financial services sector; most impacted by brand impersonation scams.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"10b398c8-a71b-428f-85fb-91d7abea7580",image:{id:"f0f638a3-c567-41e1-9c36-5e86f60da1d7",filename:"mobile-bank-oscar-wong092024.jpg",dateCreated:{created:c,date:"2024-09-18 05:53:36",timezone:"UTC",updated:c,published:c},alt:"woman looking at banking transaction on mobile",credits:"Oscar Wong\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F09\u002F18\u002Ff0f638a3-c567-41e1-9c36-5e86f60da1d7\u002Fmobile-bank-oscar-wong092024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"singapore-mandates-face-authentication-for-higher-risk-bank-transactions",startYear:c,summary:b,title:"Singapore mandates face authentication for 'higher risk' bank transactions",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fd151ec-ec91-11e3-95d2-02911863765e",slug:"asean",name:"Asean",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"aa44a0b2-71f8-464e-a3d0-87a415f9bbcf\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"hirun\u002FGetty Images\" data-image-alt-text=\"OTP on phone with laptop in background\" data-image-filename=\"security-otp-hirun072024.jpg\" data-image-date-created=\"2024\u002F07\u002F09\" data-image-width=\"2119\" data-image-height=\"1415\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EDBS, OCBC, and UOB in Singapore are slated to retire the use of one-time passwords (OTPs) for customers who have digital tokens, in a move that aims to combat \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\" target=\"_blank\"\u003Ephishing scams\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003ETo be phased out within the next three months, OTPs will remain available to customers of the three banks who still rely on physical tokens. These users, however, are \"strongly encouraged\" to activate their digital tokens to better safeguard their credentials against phishing attacks, according to a \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2024\u002Fbanks-in-singapore-to-strengthen-resilience-against-phishing-scams\" target=\"_blank\"\u003Ejoint statement\u003C\u002Fa\u003E released Tuesday by industry regulator Monetary Authority of Singapore (MAS) and The Association of Banks in Singapore (ABS).\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-must-move-past-pin-otp-to-ensure-mobile-security\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EBanks must move past PIN, OTP to ensure mobile security\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWith the OTP phase out, customers will have to use their digital tokens on their mobile devices for authentication when they log into their bank account or mobile banking app.\u003C\u002Fp\u003E\u003Cp\u003ESingapore adopted OTPs in the 2000s as an MFA (\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmulti-factor-authentication-how-to-enable-2fa-and-boost-your-security\u002F\" target=\"_blank\"\u003Emulti-factor authentication\u003C\u002Fa\u003E) option, but social engineering tactics have since grown more sophisticated. These have enabled scammers to more easily gain access to customers' OTPs via phishing attacks -- for example, through fraudulent bank websites created to resemble genuine ones. \u003C\u002Fp\u003E\u003Cp\u003ERetiring the use of OTPs will enhance the user authentication process and make it more difficult for scammers to access customer bank accounts and funds, without customers' explicit authorization through their mobile devices.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003EPhishing attacks\u003C\u002Fa\u003E were among the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\" target=\"_blank\"\u003Etop five scam\u003C\u002Fa\u003E categories last year in Singapore, accounting for SG$14.2 million ($10.52 million) lost through these scams, according to Singapore Police Force's (SPF) annual scams and cybercrime 2023 report.\u003C\u002Fp\u003E\u003Cp\u003ELocal banks have been working with MAS and law enforcement to implement \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003Emeasures\u003C\u002Fa\u003E that address this threat landscape, the industry regulator said.\u003C\u002Fp\u003E\u003Cp\u003E\"While they may give rise to some inconvenience, such measures are necessary to help prevent scams and protect customers,\" ABS director Ong-Ang Ai Boon said. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EBanks defending their right to security are missing the point about consumer trust\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EMAS last October laid out a framework detailing \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003Eparties that should be held responsible\u003C\u002Fa\u003E for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\"\u003Ephishing scams\u003C\u002Fa\u003E, with banks and telcos taking on accountability first and foremost. \u003C\u002Fp\u003E\u003Cp\u003EScams and cybercrime cases in Singapore climbed 49.6% in 2023, with the number of cases hitting 50,376, up from 33,669 cases \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-hit-by-growing-cybercrimes-clocks-501m-in-losses-from-scams\u002F\"\u003Ein 2022\u003C\u002Fa\u003E. Scams accounted for 92.4% of overall cases, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\" target=\"_blank\"\u003ESPF's numbers revealed\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EThe police force works with various institutions, including fintech companies and cryptocurrency platforms, via its Anti-Scam Command office to freeze accounts and recover funds \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\"\u003Eto reduce losses\u003C\u002Fa\u003E. More than 19,600 bank accounts were frozen in 2023 based on investigations by the Anti-Scam Command Centre, recovering more than SG$100 million. \u003C\u002Fp\u003E\u003Cp\u003EThe center also works with local telcos and e-commerce platforms on anti-scam measures, terminating more than 9,200 mobile lines and 29,200 WhatsApp lines in 2023 that were suspected of being used in scams. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-07-10 14:54:00",timezone:"UTC",updated:c,published:c},description:"The move to phase out OTP authentication is part of efforts by Singapore's financial institutions to safeguard against phishing.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"ca38fc95-e98d-401b-8586-a5382aa80d5c",image:{id:"aa44a0b2-71f8-464e-a3d0-87a415f9bbcf",filename:"security-otp-hirun072024.jpg",dateCreated:{created:c,date:"2024-07-09 07:13:36",timezone:"UTC",updated:c,published:c},alt:"OTP on phone with laptop in background",credits:"hirun\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F07\u002F09\u002Faa44a0b2-71f8-464e-a3d0-87a415f9bbcf\u002Fsecurity-otp-hirun072024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2119,height:1415,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens",startYear:c,summary:b,title:"3 banks plan to retire one-time passwords for customers with digital tokens",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"f4022b9c-91a0-4649-9df7-7ded27a568a4\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Credit: OCBC\" data-image-alt-text=\"ocbc-securities-oscar042024\" data-image-filename=\"ocbc-securities-oscar042024.jpg\" data-image-date-created=\"2024\u002F06\u002F18\" data-image-width=\"8256\" data-image-height=\"5504\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOCBC has introduced a stock picker tool powered by an artificial intelligence (AI) engine that is trained on data from stock exchanges across three global markets, including Hong Kong and the US. \u003C\u002Fp\u003E\u003Cp\u003ECalled A.I. Oscar, the AI platform was trained with data from 4,000 stocks listed on the Singapore Stock Exchange, Hong Kong Exchange, NASDAQ, New York Stock Exchange, and NYSE American. The data spans more than 10 years' worth of stock fundamentals, macroeconomic factors, market patterns, and technical indicators related to the stocks, according to OCBC Securities, the brokerage subsidiary of Singapore bank OCBC. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-in-singapore-begin-sharing-data-to-combat-financial-crime\u002F\"\u003EBanks in Singapore begin sharing data to combat financial crime\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe training data is updated daily to keep the AI platform current and continuously finetuned by \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-bank-sets-up-unit-to-drive-in-house-ai-development\u002F\" target=\"_blank\"\u003EOCBC's team of data scientists\u003C\u002Fa\u003E and trading strategists, who assess the latest AI modeling techniques to improve A.I. Oscar's prediction accuracy and market understanding, OCBC said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the AI tool can predict stock price movements and generate stock picks based on the user's personal risk profile and trading patterns. This includes the investor's past trading activities and demographic data. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe tool then analyzes the data to generate a list of 15 stocks each week, curated from exchanges in the three global markets, which are the top three in which OCBC Securities' customers trade. \u003C\u002Fp\u003E\u003Cp\u003E\"This personalization allows investors to filter stocks that are highly likely to meet their trading preferences and criteria, and to immediately act on the idea by making a trade,\" the bank said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the AI tool was first piloted based on Singapore stocks between last October and this April before it was expanded to include the US and Hong Kong markets.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbank-cio-we-dont-need-ai-pros-we-need-critical-thinkers-to-challenge-ai\u002F\"\u003EBank CIO: We don't need AI whizzes, we need critical thinkers to challenge AI\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EA.I. Oscar is offered as a free service for OCBC Securities' customers via the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Focbc-integrates-voice-command-service-with-banking-app\u002F\" target=\"_blank\"\u003EiOCBC mobile app\u003C\u002Fa\u003E, iOCBC online trading platform, and email.\u003C\u002Fp\u003E\u003Cp\u003EThe bank is hoping the launch will help triple the number of active customers aged under 35, over the next three years. Some 97% of all trades made by this customer segment last year were processed through digital platforms, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fnearly-50-of-people-want-an-ai-clone-to-do-this-for-them\u002F\" target=\"_blank\"\u003Ebypassing advice or guidance from a human\u003C\u002Fa\u003E broker. \u003C\u002Fp\u003E\u003Cp\u003EIn addition, young investors opened more than half of all new trading accounts in 2023, OCBC said, noting that A.I. Oscar is targeted as a tool for customers who lean toward self-directed investing. \u003C\u002Fp\u003E\u003Cp\u003EOCBC said that trading activities among investors aged under 35 climbed by 50% during the pilot, compared to the months before the trial last year.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F6-ways-ai-can-help-launch-your-next-business-venture\u002F\"\u003E6 ways AI can help launch your next business venture\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"Unlike rule-based models that make decisions based on a set of pre-determined criteria, A.I. Oscar identifies patterns in data to create dynamic prediction parameters,\" OCBC said. The platform is powered by deep learning algorithms that tap neural network models, the bank said. \u003C\u002Fp\u003E\u003Cp\u003EOCBC Securities' managing director Wilson said: \"Investors already have access to a wide range of information, but the challenge lies in being able to find the information relevant to them and to distill it into an actionable trading idea. Being able to do so quickly is especially important in today's fast-paced world. A.I. Oscar addresses this need, and we expect it to become an indispensable tool, especially for digitally savvy young investors who prefer the self-service model.\"\u003C\u002Fp\u003E\u003Cp\u003EThe AI tool's ability to generate stock ideas also provides a starting point for discussions between the bank's trading agents and customers, he said. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"c1c64b97-f918-4f5b-acae-43981f87d8e6\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fc1c64b97-f918-4f5b-acae-43981f87d8e6\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-06-18 18:22:24",timezone:"UTC",updated:c,published:c},description:"Trained on data from stock exchanges in three markets, the Singapore bank's AI platform predicts price movements and generates stock picks based on a user's personal risk profile and trading patterns.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a181d2ee-44b1-49a7-8e6e-cb73d345e311",image:{id:"f4022b9c-91a0-4649-9df7-7ded27a568a4",filename:"ocbc-securities-oscar042024.jpg",dateCreated:{created:c,date:"2024-06-18 06:05:46",timezone:"UTC",updated:c,published:c},alt:"ocbc-securities-oscar042024",credits:"Credit: OCBC",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F06\u002F18\u002Ff4022b9c-91a0-4649-9df7-7ded27a568a4\u002Focbc-securities-oscar042024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8256,height:5504,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Innovation^Artificial Intelligence",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-ai-tool-identifies-stock-buys-based-on-users-risk-appetite",startYear:c,summary:b,title:"Bank's AI tool identifies stock buys based on user's risk appetite",topic:{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1147b242-ec91-11e3-95d2-02911863765e",slug:"smartphones",name:"Smartphones",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThe Monetary Authority of Singapore (MAS) and six banks have launched COSMIC, a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\" target=\"_blank\"\u003Ecommon data platform\u003C\u002Fa\u003E to let financial institutions exchange insights on possible financial crime activities. DBS, UOB, Standard Chartered, Citibank, and HSBC have begun sharing customer information carrying \"red flags\" so they can warn each other of potential financial crime, such as money laundering and terrorism financing, MAS said. \u003C\u002Fp\u003E\u003Cp\u003EThe six banks will only share data if the customer's profile or behavior exhibits \"certain objectively-defined indicators of suspicion,\" the central bank said in a statement on Monday. COSMIC is supposed to plug gaps where financial institutions are unable to alert each other about unusual activities involving their customers due to confidentiality requirements.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003ESingapore wants banks and telcos to bear losses if found negligent in phishing scams\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn May 2023, Singapore \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\" target=\"_blank\"\u003Eproposed amendments to its Financial Services and Markets Bill\u003C\u002Fa\u003E to facilitate the sharing of data and establish the legal framework to do so via the data platform. These amendments have kicked in with the launch of COSMIC, according to MAS. The bill sets out policies and operational guidelines to which participants must adhere to safeguard the confidentiality of the shared data.\u003C\u002Fp\u003E\u003Cp\u003E\"This will allow participant financial institutions to share information on potential criminal behavior, while safeguarding the interests of the vast majority of customers who are legitimate,\" MAS said. \"Customers are encouraged to continue to provide timely responses if requested by financial institutions to provide clarifications on their risk profiles or transactions, so that financial institutions can make informed risk assessments.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe six banks will share information on a voluntary basis, focusing on three commercial banking crime risks: the misuse of legal persons, trade finance for illicit purposes, and proliferation financing, which encompasses the moving or raising of funds and assets to support the proliferation of weapons of mass destruction.\u003C\u002Fp\u003E\u003Cp\u003ELast year, MAS said COSMIC would be operational in H2 2024, after the six banks had started sharing data. This additional time is designated for finetuning features and resolving operational issues before the platform is fully operational. MAS also plans to expand data platform access to more financial institutions and add more risk areas, making data sharing mandatory in higher-risk situations.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-04-01 20:34:13",timezone:"UTC",updated:c,published:c},description:"Six banks will share customer data deemed suspicious in a bid to fight money laundering and terrorism financing activities.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"8ea1624e-b796-4fc3-9ec0-698d18857839",image:{id:"31533fa5-2e59-44f2-94c5-4603d9695bae",filename:"global-data-gettyimages-1337196402.jpg",dateCreated:{created:c,date:"2024-01-19 16:32:07",timezone:"UTC",updated:c,published:c},alt:"global-data-gettyimages-1337196402",credits:"Yuichiro Chino\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F01\u002F19\u002F31533fa5-2e59-44f2-94c5-4603d9695bae\u002Fglobal-data-gettyimages-1337196402.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-in-singapore-begin-sharing-data-to-combat-financial-crime",startYear:c,summary:b,title:"Banks in Singapore begin sharing data to combat financial crime",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"0feec2d0-ec91-11e3-95d2-02911863765e",slug:"big-data",name:"Big Data",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0a6fffc2-2220-44ba-99e4-4c567f6f57bb",username:"maria-diaz-zd",profileUrl:c,email:c,firstName:"Maria",lastName:"Diaz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d89921b7-c002-40ef-8401-f002f1a769e9",filename:"maria-diaz.jpg",dateCreated:{created:c,date:"2022-08-05 14:44:33",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fd89921b7-c002-40ef-8401-f002f1a769e9\u002Fmaria-diaz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Maria Diaz is a staff writer based in the Raleigh-Durham, NC area with a passion for home automation and a background in graphic design, photography, and filmmaking. She has a bachelor's in Mass Communication and experience in journalism.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EBudgeting can be challenging, but with many Americans living paycheck-to-paycheck, it's a necessary evil for most of us. What that budget looks like, however, is different for everyone. Budget apps simplify the process by helping you track your spending, reach financial goals, and even lower your debt.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-early-black-friday-deals-amazon-walmart-best-buy-and-more\u002F\"\u003EBest early Black Friday deals: Amazon, Walmart, Best Buy, and more\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EWith \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Fintuit-kills-mint-and-personal-finance-app-users-are-unhappy\u002F\" target=\"_blank\"\u003EIntuit shutting down Mint\u003C\u002Fa\u003E, one of the most popular budget apps, users are looking for alternatives. If you're a former Mint user or simply looking to be budget-conscious ahead of the Black Friday shopping craze this holiday season, we've rounded up the best budget apps available today. \u003C\u002Fp\u003E\u003Ch2\u003EThe best budget apps of 2023\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"67aebe55-f637-44cc-a1c2-03505144cb7c\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E No free version, 30-day free trial&nbsp;| \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E Must purchase plan to use | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $15\u002Fmonth or $99\u002Fyear | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking available\u003C\u002Fp\u003E\u003Cp\u003EAs one of the most popular budgeting apps, YNAB (why-nab) is a great choice for anyone looking to get serious about their personal finance, achieving savings goals, and wiping out debt. As a detailed budgeting tool, YNAB makes easy work of expense tracking in real-time thanks to the ability to link your bank accounts.\u003C\u002Fp\u003E\u003Cp\u003EOne downside is that YNAB requires a subscription to use it, as there is no free version of the app. YNAB gives users a 30-day free trial before charging the user for a subscription, a time in which the app claims to save users up to $200. After the 30-day trial period ends, users can pay $15\u002Fmonth or $99\u002Fyear for the app.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"You Need a Budget (YNAB)\" data-superlative=\"Best budget app overall\" data-imagegroup=\"{"alt":"You need a budget YNAB","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1f027e2e-12ff-4201-bacc-72f9f1741108","title":"You need a budget YNAB","filename":"ynab.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1f027e2e-12ff-4201-bacc-72f9f1741108\u002Fynab.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2278887,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:12:15","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:12:28","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"You need a budget YNAB","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1f027e2e-12ff-4201-bacc-72f9f1741108","imageAltText":"You need a budget YNAB","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ynab.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value","offerMerchant":"YNAB","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ynab.com\u002F","url":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fynab-budgeting-finance\u002Fid1010865877","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.youneedabudget.evergreen.app&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Long free trial period~Loan calculator~Compatible with many banks\" data-dislike=\"Must purchase plan~No bill-paying capabilities\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"88b8754d-fa64-422b-81d3-03a81632136a\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Bank account linking, balance alerts, subscription flagger, spending tracker&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Subscription cancellation assistant, money expert advice, bill negotiation, savings account, and credit card&nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$3-$12\u002Fmonth or $36-$144\u002Fyear |&nbsp;\u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E&nbsp;Sliding scale subscription cost\u003C\u002Fp\u003E\u003Cp\u003ERocket Money is a budget app that tracks subscriptions and bills and helps you identify potential savings in your recurrent expenses for free. It lets users link accounts and flags subscriptions for you, making it easy to cancel the ones you no longer need. The Rocket Money app also reminds you of due bills to prevent late payments and features a spending tracker for financial budgeting.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Rocket Money app is free for budgeting and spotting unnecessary subscriptions but there is a Premium subscription that gives users access to bill negotiation, a cancellations assistant to cancel those subscriptions for you,&nbsp;and more. The Premium subscription is available for a variable cost that ranges from $3 to $12 monthly.\u003C\u002Fp\u003E\" data-hed=\"Rocket Money\" data-superlative=\"Best free budget app\" data-imagegroup=\"{"alt":"Rocket Money","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"65e12395-fb07-415b-915f-798ea57e3665","title":"Rocket Money","filename":"rocke.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F65e12395-fb07-415b-915f-798ea57e3665\u002Frocke.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2308087,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:20:25","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:20:34","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Rocket Money","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"65e12395-fb07-415b-915f-798ea57e3665","imageAltText":"Rocket Money","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"rocke.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value","offerMerchant":"Rocket Money","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.rocketmoney.com\u002F","url":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Frocket-money-bills-budgets\u002Fid1130616675","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.truebill&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Bill negotiations~Sync all of your accounts~Sliding scale pricing\" data-dislike=\"Limited features with free plan option\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"db41312c-45b7-4852-9383-d7add6ce62b1\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Envelope budgeting and transaction tracking; limit 20 envelopes&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Unlimited envelopes, support for up to five devices, &nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$8\u002Fmonth or $70\u002Fyear&nbsp;| where are you make a good very good for you it's like\u003C\u002Fp\u003E\u003Cp\u003EAs a mom of three who enjoys a good budget (pun intended) with both spreadsheets and pen and paper, Goodbudget is one of my favorite apps. Goodbudget strips down the bells and whistles of a traditional budgeting app in favor of a straightforward approach that multiple household members can see and manage.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EGoodbudget has you allocate funds into digital envelopes, just like you'd put physical cash into paper envelopes. The budget can be set according to the user's individual needs and how often income comes in, and the user categorizes different expenses and sets a budget for each one.\u003C\u002Fp\u003E\u003Cp\u003EFor example, if we typically spend $180 on gas monthly, I create a $200 digital envelope in Goodbudget labeled Gas, to account for any pricing fluctuations. Whatever isn't used, I can "sweep" into savings or debt repayment.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Goodbudget\" data-superlative=\"Best budget app for the envelope method\" data-imagegroup=\"{"alt":"Goodbudget","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","title":"Goodbudget","filename":"goodb.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1d6e0536-b804-4ad9-aaa1-c4124a00083e\u002Fgoodb.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2519060,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:25:13","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:25:19","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Goodbudget","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","imageAltText":"Goodbudget","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"goodb.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fgoodbudget-budget-planner\u002Fid471112395","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.dayspringtech.envelopes&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Goodbudget","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fgoodbudget.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Smart reporting~Affordable plan~Compatible with several devices\" data-dislike=\"Must manually log items~Paid plan has the best features\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c2018f22-0ecf-41fa-8bab-320d2fd25008\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E&nbsp;Does have ads | \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E No subscriptions | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E Free | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking, messaging, joint banking account\u003C\u002Fp\u003E\u003Cp\u003EHoneydue is a free app that is specifically designed for two people managing budgets together, which could help when couples and young families are building a shared financial picture. The fact that Honeydue is free means couples who don't want to invest in a budgeting app don't have to, though the app does have ads.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Honeydue app lets users link their bank accounts for real-time expense tracking, like Mint and other budget apps do, but it also has an in-app chat that lets the couple discuss finances without switching to a messaging app.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere's also the option to open a joint bank account with a debit card that features no monthly fees or minimum deposit requirements.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Honeydue\" data-superlative=\"Best budget app for couples\u002Ffamilies\" data-imagegroup=\"{"alt":"Honeydue","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"cdd5b9c1-4729-4589-8512-604cffe190b8","title":"Honeydue","filename":"honeydue.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fcdd5b9c1-4729-4589-8512-604cffe190b8\u002Fhoneydue.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2259598,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:40:30","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:40:38","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Honeydue","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"cdd5b9c1-4729-4589-8512-604cffe190b8","imageAltText":"Honeydue","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"honeydue.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Honeydue","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.honeydue.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apps.apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fhoneydue-couples-finance\u002Fid1157633945","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Play.google","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.honeydue.honeydue&hl=en&pcampaignid=MKT-Other-global-all-co-prtnr-py-PartBadge-Mar2515-1&pli=1","url":""}]\" data-usepricing=\"true\" data-like=\"~Free to use ~Joint banking account ~In-app messaging with partner\" data-dislike=\"~Few savings\u002Ffinancial goals abilities ~There are ads\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"97d358b6-1b9c-4e90-8b03-f36235959cc4\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree\u003C\u002Fstrong\u003E\u003Cstrong\u003E version:\u003C\u002Fstrong\u003E Basic budgeting features |\u003Cstrong\u003E Paid version:\u003C\u002Fstrong\u003E&nbsp;Debt payoff plan, unlimited budgets, extended transaction history&nbsp; | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $8\u002Fmonth, $35\u002Fyear, $80\u002Flifetime&nbsp;|\u003Cstrong\u003E Extra features:\u003C\u002Fstrong\u003E Pie chart reports for free and paid users, "In My Pocket" tracker\u003C\u002Fp\u003E\u003Cp\u003EUtilizing smart algorithms to manage and track spending, PocketGuard takes a modern approach to budgeting. The app monitors your bills, helping to remind you ahead of missing payments. True to its name, Pocketguard's built-in anti-fraud feature helps to keep track and alerts you of suspicious spending trends.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWith the "In My Pocket" (IMP) feature, the app automatically calculates monthly expenses and then notifies you of any leftover funds.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhile you don't have to pay to use PocketGuard, you must subscribe if you want to access all of the best features.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"PocketGuard\" data-superlative=\"Best budget app for overspenders\" data-imagegroup=\"{"alt":"PocketGuard","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"69c262c1-fd32-4d61-b4f6-25317291a0e3","title":"PocketGuard","filename":"pocketguard.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F69c262c1-fd32-4d61-b4f6-25317291a0e3\u002Fpocketguard.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1625464,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:46:16","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:46:24","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"PocketGuard","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"69c262c1-fd32-4d61-b4f6-25317291a0e3","imageAltText":"PocketGuard","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"pocketguard.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fpocketguard-money-budgeting\u002Fid949414211","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.pocketguard.android.app&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Pocketgaurd","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fpocketguard.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Suspicious transactions monitoring~Debt payoff plan~Negotiate interest rates\" data-dislike=\"Paid plan for best features~Lower Google Play Store rating\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c1a419c1-19af-4522-8912-48381505968d\" data-edition=\"us\" data-description=\"\u003Cp\u003EYNAB is our pick for the best budgeting app because it combines many features and is easy to use. However, that doesn't make YNAB the best budget app for everyone. Rocket Money is a top choice for anyone looking to save some cash, thanks to its sliding scale of pricing and expansive services. Here's how the apps we looked into stack up:&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EBudgeting app\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EZDNET's take\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003ECost\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EApp Store Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EGoogle\u003C\u002Fstrong\u003E\u003Cstrong\u003E Play\u003C\u002Fstrong\u003E\u003Cstrong\u003E Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E (YNAB)\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest budget app overall\u003C\u002Ftd\u003E\u003Ctd\u003E$15\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.80\u003C\u002Ftd\u003E\u003Ctd\u003E4.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest free budget app\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $3-$12\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.30\u003C\u002Ftd\u003E\u003Ctd\u003E4.4\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for the envelope method\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.60\u003C\u002Ftd\u003E\u003Ctd\u003E4.2\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for couples\u003C\u002Ftd\u003E\u003Ctd\u003EFree with ads\u003C\u002Ftd\u003E\u003Ctd\u003E4.50\u003C\u002Ftd\u003E\u003Ctd\u003E3.3\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for overspenders\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.70\u003C\u002Ftd\u003E\u003Ctd\u003E3.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cc870d10-dedf-4cdd-b35f-509c47cc3b42\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe right budget app for you will depend on how you want to budget, whether you want specific features like bill negotiations or credit scores, whether you have a single or combined checking account, and what price you're willing to spend per month for a subscription.\u003C\u002Fp\u003E\u003Cp\u003EBelow, I've broken down the options further.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EChoose this budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E app...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EIf\u003C\u002Fstrong\u003E\u003Cstrong\u003E you...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E (\u003Cstrong\u003EYNAB\u003C\u002Fstrong\u003E)\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EAre committed to creating and achieving your ideal financial budget. Its free trial lasts 30 days, so you can try it out for a month before subscribing.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket\u003C\u002Fstrong\u003E\u003Cstrong\u003E Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant great options for free or a lower price. The app can handle bill negotiations for you to get you lower prices on what you pay monthly.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EPrefer budgeting using the envelope method. You can sync your budget(s) across multiple users&nbsp;and devices.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EWould like to include your partner in your financial planning. Track expenses together and message in-app to discuss spending.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant to track your spending. It has a debt payoff plan to get you back on track.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right budget app for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"280b4abe-1ff6-479d-8ac4-67c69fc92667\" data-edition=\"us\" data-description=\"\u003Cp\u003EChoosing the best budget apps on this list involved a lot of testing and creating many accounts in different apps to compare their features and test their performance. Here are some ways you can narrow down your choices to decide which is best for you:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EFinancial needs:\u003C\u002Fstrong\u003E Consider not only your individual financial needs but also the goals you want to achieve. Do you want to track daily expenses and build an emergency fund? Or are you trying to cut expenses and pay down debt? Are you planning for a big life event you want to save for, like buying a car or a house? These are all things you should consider, as they will shape how you use your budgeting app.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EEase of use:\u003C\u002Fstrong\u003E It's worth testing out different options to determine which user interface you prefer in a budget app. I've been a committed budgeter for years, yet I don't like using the apps that link my bank account, so I prefer apps like Goodbudget, even if I don't use the envelope method in real life. I also like the data that PocketGuard offers, so I have a visual picture of my spending habits. If you like an app that links to your financial account in real time, then you'd do great with other apps like YNAB or Honeydue.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees:\u003C\u002Fstrong\u003E Budgeting apps often charge a fee for their services, whether it is an upfront fee or an ongoing monthly or annual fee. Be sure to review all fees in advance, so you can be sure that you choose the right service for your needs.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these budgeting apps?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e338db83-da68-4ce6-9398-b4683b088f84\" data-edition=\"us\" data-description=\"\u003Cp\u003EA budget&nbsp;app is a mobile service that typically allows you to track your spending and increase your savings.&nbsp; You can typically sync your accounts to view a complete financial portrait, all within a single app. Here, you will find our picks for the best budgeting app for your financial needs.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1a69d0be-f6af-4943-ad92-a9fed6d28064\" data-edition=\"us\" data-description=\"\u003Cp\u003ELike anything else, a budget&nbsp;app only works if you use it regularly. Many apps offer financial tools and resources that can help you reduce your debt and expand your financial worth by providing expense and other reports.\u003C\u002Fp\u003E\" data-hed=\"Do budgeting apps work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"32024c0e-7557-470f-80fe-cb796334ee11\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many finance apps available in the App Store or the Google Play Store. However, not all of them are legit or can successfully help you create a budget. Below, are some other trustworthy budget app options.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are there alternative budget apps worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8d67aba4-0275-4e5c-acdf-5b975aee8be5\" data-edition=\"us\" data-description=\"\u003Cp\u003EView and pay your bills, manage spending, and plan ahead for tax season with Simplifi.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Simplifi by Quicken\" data-imagegroup=\"{"alt":"Simplifi by Quicken","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"645c2b30-681f-4aaa-a628-ad55875d2a1c","title":"Simplifi by Quicken","filename":"quicken.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F645c2b30-681f-4aaa-a628-ad55875d2a1c\u002Fquicken.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3437102,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:05:36","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:05:44","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Simplifi by Quicken","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"645c2b30-681f-4aaa-a628-ad55875d2a1c","imageAltText":"Simplifi by Quicken","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"quicken.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for tax season prep\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2","offerMerchant":"Quicken","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.quicken.com\u002Fpersonal-finance\u002Fquicken-simplifi","url":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2"}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7d1958af-eaf5-4624-976d-780578b41450\" data-edition=\"us\" data-description=\"\u003Cp\u003EEverydollar has features like paycheck planning, saving funds, group financial coaching, and more.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Everydollar\" data-imagegroup=\"{"alt":"Everydollar","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"b6d8a980-c131-4b4c-bc1b-3b051202c247","title":"Everydollar","filename":"every.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fb6d8a980-c131-4b4c-bc1b-3b051202c247\u002Fevery.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2474782,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:04:41","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:04:47","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Everydollar","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"b6d8a980-c131-4b4c-bc1b-3b051202c247","imageAltText":"Everydollar","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"every.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for those new to budgeting\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Everydollar","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ramseysolutions.com\u002Framseyplus\u002Feverydollar","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9e582cbb-ea75-4931-aa8d-7862826d093a\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're looking for an&nbsp;app to help your kids learn how to create budgets and manage chores, BusyKid is a great choice.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"BusyKid\" data-imagegroup=\"{"alt":"BusyKid","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"6040a20a-4424-4d14-a35c-b72465980773","title":"BusyKid","filename":"busykid.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F6040a20a-4424-4d14-a35c-b72465980773\u002Fbusykid.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3081689,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:05:11","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:05:18","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"BusyKid","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"6040a20a-4424-4d14-a35c-b72465980773","imageAltText":"BusyKid","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"busykid.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for parents\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Busykid","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fbusykid.com\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-11-13 19:49:00",timezone:"UTC",updated:c,published:c},description:"Mint may be gone, but there are still many great budget apps that promise to help you set financial goals and save money. We tested that promise to find out which are the best ones.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c77e10c2-d0d1-417d-85e7-a107f681417d",image:{id:"3c394298-d95e-44c2-8bc9-d24bef52f01e",filename:"smart-apps-make-for-smarter-financial-planning-stock-photo.jpg",dateCreated:{created:c,date:"2023-11-10 16:09:57",timezone:"UTC",updated:c,published:c},alt:"Shot of a young man using a smartphone while going over his finances at home",credits:"Katleho Seisa via Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F3c394298-d95e-44c2-8bc9-d24bef52f01e\u002Fsmart-apps-make-for-smarter-financial-planning-stock-photo.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8013,height:4508,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Tech^Services & Software",relatedItems:[]},name:b,promoTitle:"The best budgeting apps: Find the Mint alternative that's right for you",section:b,slug:"best-budget-app",startYear:c,summary:b,title:"The best budgeting apps of 2023",topic:{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"11e2ac47-e5d0-47c8-bc14-7db9da05c41d\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"IR_Stone\u002FGetty Images\" data-image-alt-text=\"Data center room\" data-image-filename=\"gettyimages-1475998284.jpg\" data-image-date-created=\"2023\u002F10\u002F16\" data-image-width=\"2211\" data-image-height=\"1355\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EEquinix has confirmed that a scheduled system upgrade at one of its data centers in Singapore affected the operations of several customers, including two banks. \u003C\u002Fp\u003E\u003Cp\u003EIt led to hours-long disruptions that left ATM and online banking services unavailable over the weekend. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fasian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool\u002F\"\u003EAsian banks are a favorite target of cybercooks, and malicious bots their preferred tool\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EDBS Bank customers, who already had \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-bank-faces-regulatory-action-over-unacceptable-digital-service-outage\u002F\" target=\"_blank\"\u003Eexperienced multiple service disruptions\u003C\u002Fa\u003E in recent months, were unable to access various services on Saturday, including mobile banking and peer-to-peer funds transfer service, PayLah. The bank's ATMs also were down. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ECiti Singapore customers reported similar disruptions, with the bank confirming there were \"issues\" transacting with its ATMs, credit cards, and mobile app, among others. \u003C\u002Fp\u003E\u003Cp\u003EIn subsequent updates on its Facebook profile, DBS said the disruption was caused by an issue with its data center service provider, Equinix.\u003C\u002Fp\u003E\u003Cp\u003E\"We are doing our utmost to swing over to our backup data center and expect to progressively restore services,\" the bank said. By late night on Saturday, it posted an update to notify customers its ATMs had resumed operations, but some services such as its online services remained unavailable. \u003C\u002Fp\u003E\u003Cp\u003EIn an update Sunday morning, DBS said all its services were back up and running. The bank in \u003Ca href=\"https:\u002F\u002Fwww.dbs.com\u002Fnewsroom\u002FFirst_bank_in_Singapore_to_launch_new_cloud_based_data_centre\" target=\"_blank\"\u003E2017 partnered with Equinix\u003C\u002Fa\u003E to move its main data center to smaller \"cloud-optimized\" premises, enabling DBS' to run the facility at 75% cheaper. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-and-data-honing-hyper-personalization-to-build-the-bank-of-the-future\u002F\"\u003EAI and data: Honing hyper-personalization to build the bank of the future\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EZDNET contacted Equinix with questions regarding the service disruption, including why its failover measures and secondary site were unable to prevent the incident, and how many organizations were impacted. \u003C\u002Fp\u003E\u003Cp\u003EIn an email response, an Equinix spokesperson said: \"On Oct. 14, a technical issue with the chilled water system occurred during a planned system upgrade at one of our data centers in Singapore. This raised the temperatures in some of the halls in the data center and impacted some customer's operations. The technical issue has been resolved and we are in contact with impacted customers.\"\u003C\u002Fp\u003E\u003Cp\u003EThe spokesperson said the vendor currently is \"thoroughly investigating\" the incident and will offer more details when these are available. \u003C\u002Fp\u003E\u003Cp\u003EEquinix operates \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fequinix-plans-fifth-singapore-data-centre-as-cloud-demand-climbs\u002F\" target=\"_blank\"\u003Efive data centers in Singapore\u003C\u002Fa\u003E, expanding its \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fequinix-expands-singapore-data-centre-with-86m-investment\u002F\" target=\"_blank\"\u003Efifth last year with an investment of $86 million\u003C\u002Fa\u003E that it said would better meet the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-heats-up-data-centers-with-operating-standards-for-tropical-climates\u002F\" target=\"_blank\"\u003Ecountry's goals\u003C\u002Fa\u003E to have more \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-only-data-centres-that-are-efficient\u002F\" target=\"_blank\"\u003Eefficient facilities\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-10-16 14:58:23",timezone:"UTC",updated:c,published:c},description:"A glitch in a scheduled 'chilled water system' upgrade disrupted operations for Equinix's data center customers, including two banks in Singapore.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a4e5c01c-2de6-438f-942c-206ba4a72a55",image:{id:"11e2ac47-e5d0-47c8-bc14-7db9da05c41d",filename:"gettyimages-1475998284.jpg",dateCreated:{created:c,date:"2023-10-16 14:27:46",timezone:"UTC",updated:c,published:c},alt:"Data center room",credits:"IR_Stone\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F10\u002F16\u002F11e2ac47-e5d0-47c8-bc14-7db9da05c41d\u002Fgettyimages-1475998284.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2211,height:1355,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Business^Data Centers",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"equinixs-data-center-system-upgrade-results-in-hours-long-disruption-at-banks",startYear:c,summary:b,title:"Equinix's data center system upgrade results in hours-long disruption at banks",topic:{id:"10279ab0-ec91-11e3-95d2-02911863765e",slug:"data-centers",name:"Data Centers",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"10279ab0-ec91-11e3-95d2-02911863765e",slug:"data-centers",name:"Data Centers",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"66a8df34-bb8f-4db7-9e72-03aa68123341\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Andrew Brookes\u002FGetty Images\" data-image-alt-text=\"colorful laptop\" data-image-filename=\"gettyimages-1506307783.jpg\" data-image-date-created=\"2023\u002F09\u002F28\" data-image-width=\"2000\" data-image-height=\"1500\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EFinancial institutions are hot favorites among cybercriminals, with those in Asia-Pacific among the most targeted by malicious bot requests and API (application programming interface) attacks. \u003C\u002Fp\u003E\u003Cp\u003EMalicious bot traffic in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fasia-most-targeted-region-in-2021-taking-on-one-in-four-cybersecurity-attacks\u002F\" target=\"_blank\"\u003EAsia-Pacific including Japan\u003C\u002Fa\u003E climbed 128% from last year, as hackers turned to bots for scale, efficiency, and impact. The region was the second-most targeted for malicious bot requests against financial services, accounting for 39.7% of the global total volume, according to Akamai's latest State of the Internet report. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\"\u003EThis data platform will help banks share criminal intelligence\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ESuch attacks include website scraping to impersonate websites of financial services providers for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fransomware-and-phishing-attacks-continue-to-plague-businesses-in-southeast-asia\u002F\" target=\"_blank\"\u003Ephishing scams\u003C\u002Fa\u003E, as well as credential stuffing, during which user credentials such as usernames and passwords are stolen via automated injections to take over accounts. \u003C\u002Fp\u003E\u003Cp\u003EAsia-Pacific Japan also saw a 36% increase in web application and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-gold-rush-makes-basic-data-security-hygiene-critical\u002F\" target=\"_blank\"\u003EAPI attacks\u003C\u002Fa\u003E, clocking more than 3.7 billion attacks over the past year. Local file inclusion, where vulnerabilities in web servers or applications are exploited to gain access to files stored locally, remains the top attack vector, accounting for 63.2% of all attacks. Cross-site scripting was the second-most popular vector, accounting for 21.3% of all attacks, followed by PHP injection at 6.32%. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe Akamai report noted that 92.3% of attacks against the region's financial sector were directed toward banks.\u003C\u002Fp\u003E\u003Cp\u003EThe sector also bore half of all web application and API attacks in Asia-Pacific Japan, followed by the commerce sector at 19.99% and social media at 8.3%. \u003C\u002Fp\u003E\u003Cp\u003EGlobal financial hubs Australia, Singapore, and Japan were the top three most targeted countries in the region, collectively taking on more than three-quarters of all web application and API attacks. \u003C\u002Fp\u003E\u003Cp\u003EAkamai noted that financial services institutions will face increasing risks as they expand their digital footprint to gain competitive ground and reach more customers. As it is, 40% of scripts used by these organizations are \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fapac-firms-need-to-build-trust-brace-for-more-third-party-attacks\u002F\" target=\"_blank\"\u003Ethird-party\u003C\u002Fa\u003E in nature, as they work to develop more channels and improve customer experience. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-security-key\u002F\"\u003EThe best security keys\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"[The region's] financial services sector is one of the most innovative and competitive in the world, [with] financial institutions increasingly turning to third-party scripts to quickly add new offerings, features, and interactive experiences for customers,\" said Reuben Koh, Akamai's Asia-Pacific Japan security technology and strategy director. \u003C\u002Fp\u003E\u003Cp\u003E\"However, businesses usually have limited visibility into the authenticity and potential vulnerabilities of these scripts, introducing yet another layer of risk to the business,\" Koh said. \"Due to this limited visibility of risky third-party scripts, threat actors now have yet another vector to launch attacks against banks and their customers.\"\u003C\u002Fp\u003E\u003Cp\u003EHe noted that with the growing popularity of financial aggregators and companies adopting open banking practices, the sector will be increasingly dependent on the use of APIs and third-party scripts. This will further \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ffirms-fear-software-stack-breach-as-attack-surface-widens\u002F\" target=\"_blank\"\u003Ewiden attack surfaces\u003C\u002Fa\u003E, he cautioned. \u003C\u002Fp\u003E\u003Cp\u003E\"Financial institutions must focus on securing new digital offerings, continuously educating \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-citizens-to-arm-up-take-accountability-for-personal-cyber-hygiene\u002F\" target=\"_blank\"\u003Ecustomers on cyber hygiene\u003C\u002Fa\u003E best practices, and investing in frictionless security measures for users,\" he added. \"As \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-tightens-cyber-defence-guidelines-for-financial-services-sector\u002F\" target=\"_blank\"\u003Eregulators enforce policies to strengthen\u003C\u002Fa\u003E cybersecurity standards, it is also important for financial services organizations to understand and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-moots-bill-to-slap-banks-with-higher-fines-for-security-breach\u002F\" target=\"_blank\"\u003Eaccount for new compliance requirements\u003C\u002Fa\u003E while strengthening their security posture and cyber resilience against modern cyber threats.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\"\u003EThe best VPN services right now: Expert tested and reviewed\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ESingapore is among the regulators that have taken steps to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-all-critical-infrastructures-to-be-ready-for-cyber-threats\u002F\" target=\"_blank\"\u003Ebeef up the digital defense of critical information infrastructures\u003C\u002Fa\u003E, including the financial sector. It \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-pushed-to-introduce-security-measures-amidst-online-banking-scams\u002F\" target=\"_blank\"\u003Eintroduced security measures\u003C\u002Fa\u003E over the past year, following a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\" target=\"_blank\"\u003Eseries of phishing SMS scams\u003C\u002Fa\u003E that had wiped out victims' life savings. \u003C\u002Fp\u003E\u003Cp\u003ESuch measures included the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-tag-unregistered-sms-senders-as-likely-scam\u002F\"\u003ESMS service providers to check against a registry\u003C\u002Fa\u003E before sending through messages and for banks to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003Eprovide a \"kill switch\"\u003C\u002Fa\u003E, allowing customers to quickly suspend their accounts should they suspect a security breach.\u003C\u002Fp\u003E\u003Ch3\u003EMore Singapore banks roll out anti-malware feature\u003C\u002Fh3\u003E\u003Cp\u003EMore recently, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F\" target=\"_blank\"\u003ESingapore banks began introducing\u003C\u002Fa\u003E an anti-malware feature that locks out account access if mobile apps downloaded from unofficial app stores are detected on the user's device. OCBC, which was involved in the phishing scams, was the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-banks-new-app-security-feature-irks-customers\u002F\" target=\"_blank\"\u003Efirst to launch the feature\u003C\u002Fa\u003E last month, but took on some backlash when customers found themselves unable to access their accounts despite only having downloaded legitimate apps onto their devices. \u003C\u002Fp\u003E\u003Cp\u003ETwo other local banks -- DBS and UOB -- this week followed suit, rolling out the anti-malware security feature, restricting customers' access to their respective banking apps if apps from third-party and unauthorized sites are detected. Permission settings deemed \"risky\" that have been enabled on the user's device also will result in restricted access.\u003C\u002Fp\u003E\u003Cp\u003EIn all cases, customers will have to disable such permission settings or uninstall apps identified as unauthorized before they can access their bank's app or digital services.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-trust-and-data-security-are-key-issues-for-finance-firms-and-their-customers\u002F\"\u003EAI, trust, and data security are key issues for finance firms and their customers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn a note to its customers on the new security measures, UOB said: \"We will be restricting access to UOB TMRW app when screen-sharing or when mobile apps with risky permissions are detected, as this may compromise your banking and personal information...These security measures are necessary to protect you from exposure to malware scams. We value your privacy. You can be assured these new features do not monitor your phone activity, collect or store any personal data.\"\u003C\u002Fp\u003E\u003Cp\u003EIf unauthorized apps are detected, an error screen will pop up on UOB customers' devices, highlighting the name of the app, and the session will be terminated. An error message also will be displayed if external apps or tools are detected attempting to access the bank's app. Users will have to stop screen-sharing on the other app or tool, in order to continue using the UOB app. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-09-28 16:36:00",timezone:"UTC",updated:c,published:c},description:"Asia-Pacific is the second-most targeted region for malicious bot requests against financial services, with global hubs Singapore, Australia, and Japan the region's top three most targeted, accounting for the bulk of web application and API attacks.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a344bfbf-aeeb-4b7e-bd5b-c8f441e8d0d0",image:{id:"66a8df34-bb8f-4db7-9e72-03aa68123341",filename:"gettyimages-1506307783.jpg",dateCreated:{created:c,date:"2023-09-28 16:35:57",timezone:"UTC",updated:c,published:c},alt:"colorful laptop",credits:"Andrew Brookes\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F09\u002F28\u002F66a8df34-bb8f-4db7-9e72-03aa68123341\u002Fgettyimages-1506307783.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2000,height:1500,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"asian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool",startYear:c,summary:b,title:"Asian banks are a favorite target of cybercrooks, and malicious bots their preferred tool",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fd151ec-ec91-11e3-95d2-02911863765e",slug:"asean",name:"Asean",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"371a7418-10d6-11e4-9732-00505685119a",username:"sjvn",profileUrl:c,email:c,firstName:"Steven",lastName:"Vaughan-Nichols",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"e2171bd1-84f6-4ca8-9801-2abdeb61a365",filename:"steven-vaughan-nichols.jpg",dateCreated:{created:c,date:"2022-08-05 18:47:37",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fe2171bd1-84f6-4ca8-9801-2abdeb61a365\u002Fsteven-vaughan-nichols.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Steven J. Vaughan-Nichols is a freelance writer and technology analyst. Besides ZDNET, he works with Foundry (Formerly IDG Communications), The Register, The New Stack, and Cathey Communications. He does not own stocks or other investments in any technology company.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"d4b20589-06d1-4e08-b6db-321f8c6a816b\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Klaus Vedfelt\u002FGetty Images\" data-image-alt-text=\"walletygettyimages-1461360968\" data-image-filename=\"walletygettyimages-1461360968.jpg\" data-image-date-created=\"2023\u002F09\u002F20\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBILBAO, Spain - The digital wallet took another step toward world domination as Microsoft joined the horde of tech and financial organizations supporting the \u003Ca href=\"https:\u002F\u002Fopenwallet.foundation\u002F\" target=\"_blank\"\u003EOpenWallet Foundation (OWF)\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003EAt the \u003Ca href=\"https:\u002F\u002Fevents.linuxfoundation.org\u002Fopen-source-summit-europe\u002F\" target=\"_blank\"\u003EOpen Source Summit Europe\u003C\u002Fa\u003E, the OWF, a Linux Foundation-sponsored open-source initiative focused on creating secure and interoperable digital wallets, announced the software giant as its newest member. The move comes alongside significant open-source code contributions from industry leaders Google, \u003Ca href=\"https:\u002F\u002Fwww.pingidentity.com\u002Fen.html\" target=\"_blank\"\u003EPing Identity\u003C\u002Fa\u003E, and \u003Ca href=\"https:\u002F\u002Fneosfer.de\u002Fen\u002F\" target=\"_blank\"\u003Eneosfer\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\"\u003EThe best VPN services: Expert tested and reviewed\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EJust a few years ago, the phrase \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Fnetworking\u002Fthe-e-wallet-how-it-works\u002F\"\u003Edigital wallet\u003C\u002Fa\u003E -- aka, eWallet -- was still a mystery to most of us. Today, digital wallets such as \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-apple-pay-in-stores-and-online\u002F\"\u003EApple Pay\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fgoogle-pay-vs-samsung-pay\u002F\"\u003EGoogle Pay, and Samsung Pay\u003C\u002Fa\u003E are \u003Ca href=\"https:\u002F\u002Fwww.zmescience.com\u002Fscience\u002Fare-digital-wallets-set-to-replace-credit-cards\u002F\" target=\"_blank\"\u003Erapidly replacing credit cards\u003C\u002Fa\u003E and cash for purchases both in the real world and online. This technology isn't simply about contactless payment, though. Digital wallets are replacing driver's licenses, airline boarding passes, and even library cards. \u003C\u002Fp\u003E\u003Cp\u003EEverything you used to do from the wallet in your purse or back pocket can be done now from digital wallets.\u003C\u002Fp\u003E\u003Cp\u003EThe OWF isn't about creating yet another wallet, as OpenWallet founder Daniel Goldscheider explained:\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp\u003E\"It's not going to issue credentials. It's not going to create standards. It is not trying to compete with the \u003Ca href=\"https:\u002F\u002Fopenid.net\u002Ffoundation\u002F\" target=\"_blank\"\u003EOpenID Foundation\u003C\u002Fa\u003E or \u003Ca href=\"https:\u002F\u002Fwww.openidentityexchange.org\u002F\" target=\"_blank\"\u003EThe Open Identity Exchange (OIX)\u003C\u002Fa\u003E for identification trust. Instead, we will use these standards to build a common-core shared software that anyone can use in their wallets.\"\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp\u003EThe goal? To enable all digital wallets to be interoperable. The OWF wants all wallets to be open, secure (of course!), and multipurpose.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAs Marie Austenaa, Visa's head of digital identity, said in her keynote discussion, \"You have everything now on your mobile phone, your tickets, your cars, your boarding pass, your loyalty cards. Behind all that is a digital ecosystem.  Both you and your cards are dependent on a trusted ecosystem. It's a consumer tool to interact with the digital world. So it's pretty important that it uses open source to create an ecosystem that works on open standards.\"\u003C\u002Fp\u003E\u003Cp\u003EWithout that trusted open ecosystem, we'd need to rely on a mixed mess of different programs and protocols. No one wants that.\u003C\u002Fp\u003E\u003Cp\u003EOla Ben Har, Google's developer relations lead for payments, added, \"We must ensure we build highly secure and privacy-preserving solutions. At Google, we're spending a lot of time thinking about how to ensure that we provide the right tools and open-source reference implementations for the ecosystem to accomplish the goal. For example, the Android security team is working very closely with secure element vendors around the world to build open-source, hardware-backed security outlets that can be used for just new and upcoming use cases.\"  \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-trust-and-data-security-are-key-issues-for-finance-firms-and-their-customers\u002F\"\u003EAI, trust, and data security are key issues for finance firms and their customers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EGoogle has contributed its identity credential library code to the OWF. This library, which has been open-sourced since 2020, aids developers in creating applications that align with the \u003Ca href=\"https:\u002F\u002Fwww.iso.org\u002Fstandard\u002F69084.html\" target=\"_blank\"\u003EISO\u002FIEC 18013-5:2021\u003C\u002Fa\u003E mobile driver license specifications. It includes a production-quality example wallet and verifier applications.\u003C\u002Fp\u003E\u003Cp\u003EPing Identity, an OWF foundational member, has pledged to contribute code components covering various protocols and formats. The company indicated it would provide a reference implementation to enhance interoperability with the Ping Identity ecosystem.\u003C\u002Fp\u003E\u003Cp\u003EIn a joint contribution, \u003Ca href=\"https:\u002F\u002Fwww.lissi.id\u002F\" target=\"_blank\"\u003Eneosfer's esatus and Lissi \u003C\u002Fa\u003Eare introducing their multi-platform \u003Ca href=\"https:\u002F\u002Fgithub.com\u002FYuanchengWu\u002Famigo-wallet\" target=\"_blank\"\u003EWallet Framework .NET\u003C\u002Fa\u003E to the OWF. Originating from a collaboration with the German initiative IDunion, this framework empowers .NET developers to create their own digital wallets, aligning with the \u003Ca href=\"https:\u002F\u002Fcommission.europa.eu\u002Fstrategy-and-policy\u002Fpriorities-2019-2024\u002Feurope-fit-digital-age\u002Feuropean-digital-identity_en\" target=\"_blank\"\u003EEuropean Identity Wallet\u003C\u002Fa\u003E initiative's goals.\u003C\u002Fp\u003E\u003Cp\u003EAnd what is Microsoft bringing to the table? \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-airtag-wallet\u002F\"\u003EThe best AirTag wallets: Secure your cash\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EMicrosoft Pay (formerly Microsoft Wallet) is a mobile payment and digital wallet service that never gained much traction. Now, Microsoft is re-entering the eWallet space. \u003C\u002Fp\u003E\u003Cp\u003EVisa's Austenaa said the OWF is very excited about Microsoft joining. She expects we're \"going to hear a lot more from Microsoft. We're going to solve the security challenges across the wallets, which is a key and fundamental problem.\"\u003C\u002Fp\u003E\u003Cp\u003E\"Microsoft has been a strong contributor to open identity standards development for over 10 years,\" added Pamela Dingle, Microsoft's director of identity standards. \"We are excited to expand our commitment to developing best practices for the security, interoperability, and compliance of digital wallets as members of the Open Wallet Foundation.\"\u003C\u002Fp\u003E\u003Cp\u003EIs this going to be a big deal? It sure looks like it. A recent Forbes Advisor survey found that \u003Ca href=\"https:\u002F\u002Fwww.forbes.com\u002Fadvisor\u002Fbanking\u002Fdigital-wallets-payment-apps\u002F\" target=\"_blank\"\u003Eover half (53%) of people are already using digital wallets more often than traditional payment methods\u003C\u002Fa\u003E. Indeed, 51% of users say they would stop shopping with a merchant that doesn't accept eWallet payments.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhy-you-can-still-trust-other-password-managers-even-after-that-lastpass-mess\u002F\"\u003EWhy you can still trust (other) password managers, even after that LastPass mess\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EToday, of those already using digital wallet apps, 69% use PayPal. The next most popular payment options are Google Pay (56%), Apple Pay (53%), and Samsung Pay (52%). Peer-to-peer apps are also popular, with 52% of respondents indicating they use Cash App and 49% using Venmo as a digital payment method. Users primarily access digital wallets via their smartphones (68%) and smartwatches (41%).\u003C\u002Fp\u003E\u003Cp\u003EOWF aims to provide a common platform for all these various payment platforms as well as driver's licenses, passports, and your kid's school photos.  With such high use numbers, especially from younger users, the question isn't whether but when eWallets will replace traditional wallets the same way debit cards replaced checkbooks in your pockets and purses.\u003C\u002Fp\u003E\u003Cp\u003EThe smart money says they'll be dominant by decade's end. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-09-20 18:12:54",timezone:"UTC",updated:c,published:c},description:"OpenWallet, now joined by Microsoft, looks to the near future when digital wallets replace traditional wallets in the same way debit cards replaced checkbooks.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"07302596-5e09-4d8e-a834-497a67eeefd8",image:{id:"d4b20589-06d1-4e08-b6db-321f8c6a816b",filename:"walletygettyimages-1461360968.jpg",dateCreated:{created:c,date:"2023-09-20 16:14:22",timezone:"UTC",updated:c,published:c},alt:"walletygettyimages-1461360968",credits:"Klaus Vedfelt\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F09\u002F20\u002Fd4b20589-06d1-4e08-b6db-321f8c6a816b\u002Fwalletygettyimages-1461360968.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"its-2030-and-digital-wallets-have-replaced-every-card-in-our-purses-and-pockets",startYear:c,summary:b,title:"It's 2030, and digital wallets have replaced every card in our purses and pockets",topic:{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"103a5e4f-ec91-11e3-95d2-02911863765e",slug:"e-commerce",name:"E-Commerce",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1048432a-ec91-11e3-95d2-02911863765e",slug:"enterprise-software",name:"Enterprise Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1050fa4d-ec91-11e3-95d2-02911863765e",slug:"google",name:"Google",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"10c1d40e-ec91-11e3-95d2-02911863765e",slug:"microsoft",name:"Microsoft",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"10f422bf-ec91-11e3-95d2-02911863765e",slug:"open-source",name:"Open Source",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"5d68ddc2-d682-11e4-9a74-d4ae52e95e57",slug:"developer",name:"Developer",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"80536812-3971-4dad-94b0-d2082892465f\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Chris Jongkind\u002FGetty Images\" data-image-alt-text=\"bank vault\" data-image-filename=\"gettyimages-1477846719.jpg\" data-image-date-created=\"2023\u002F08\u002F16\" data-image-width=\"2164\" data-image-height=\"1385\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWith market figures indicating \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwere-you-caught-up-in-the-latest-data-breach-heres-how-to-tell\u002F\" target=\"_blank\"\u003Ecybersecurity attacks are increasing\u003C\u002Fa\u003E in volume and sophistication, it's not surprising that businesses will seek ways to better safeguard their assets. Banks, in particular, want bigger moats since they have more to lose.\u003C\u002Fp\u003E\u003Cp\u003EHowever, fortified defenses inevitably mean legitimate users will have to burrow deeper to get access to services. The result is a perennial debate about finding the right balance between security and usability. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F4-ways-to-avoid-clicking-on-malicious-links-and-the-phishing-and-scams-behind-them\u002F\"\u003E\u003Cstrong\u003E4 ways to avoid clicking malicious links that everyone online should know\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAnd it seems one bank in Singapore might need to address that balance after it introduced a security function that left several of its customers frustrated. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOCBC last week \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-banks-new-app-security-feature-irks-customers\u002F\" target=\"_blank\"\u003Erolled out a feature that locks out access\u003C\u002Fa\u003E to its digital banking services if mobile apps that have not been downloaded from unofficial app stores, such as Google Play Store and Huawei AppGallery, are detected on the user's device. \u003C\u002Fp\u003E\u003Cp\u003ECiting the need to protect customers against malware, the bank said this \"enhancement\" enables its app to identify errant apps on the customer's device. The security feature also checks the permission settings of apps against what the bank deems to present potential risks or that are commonly used by malware-laced apps. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-banks-new-app-security-feature-irks-customers\u002F\" target=\"_blank\"\u003EThis bank's new app security feature irks customers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EWhen apps that do not meet both criteria are detected, customers will not be able to log in to their account via OCBC's mobile app or online-banking site until they uninstall or remove the \"rogue\" apps. \u003C\u002Fp\u003E\u003Cp\u003EThis \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn-router\u002F\" target=\"_blank\"\u003Ehigh level of security\u003C\u002Fa\u003E sounded great -- until complaints started popping up. Customers found themselves locked out, even though apps flagged by the bank's new security feature had actually been downloaded from official app stores. These apps included Microsoft Authenticator, LG ThinQ, CCleaner, and Trend Micro. Even apps that were cleared by customers' own antivirus mobile apps were tagged as risky by the OCBC security feature. \u003C\u002Fp\u003E\u003Cp\u003EAffected customers said the bank's recommended solution of deleting and reinstalling the specific apps from official app stores did not work. \u003C\u002Fp\u003E\u003Cp\u003EFor most cases, OCBC's response was standard -- the new security feature is part of an efforts to combat fraud and \"safeguard our customers\" from suspected malicious apps. \"We apologize for any inconvenience caused,\" it said several times over to irate customers on its Facebook page. \"We seek your patience as this feature is aimed to safeguard customers from malware scams.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\"\u003E\u003Cstrong\u003EThe best VPN services (and tips to choose the right one for you)\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThis situation seems like a case where security has trumped usability. I was relieved, having read the anecdotes of aggrieved OCBC customers, that I had chosen to bank with another firm. But then industry regulator Monetary Authority of Singapore (MAS) stepped up to voice its support for the bank's security feature. \u003C\u002Fp\u003E\u003Cp\u003E\"Security measures will come with some measure of added inconvenience for customers, but they are necessary to maintain security of and confidence in digital banking,\" MAS said. \"Coupled with a vigilant and discerning public, robust security measures will help us strengthen our defense against scams.\"\u003C\u002Fp\u003E\u003Cp\u003EIn view of the regulator's cheerleading role, I'm now anticipating that the remaining two major local banks, including mine, will follow suit some time in the very near future and roll out a similar security \"enhancement\". \u003C\u002Fp\u003E\u003Cp\u003EPerhaps OCBC is serving penance for taking centerstage in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\"\u003Elast year's phishing scams\u003C\u002Fa\u003E, or maybe it lost a game of rock, paper, scissors, and was picked to be the first bank to roll out the security feature -- and, hence, had to bear the brunt of customer ire?\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-protect-and-secure-your-password-manager\u002F\"\u003E\u003Cstrong\u003EHow to protect and secure your password manager\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWhatever the case, OCBC's muddled launch leaves much to be desired and throws up questions that the whole industry, including its regulator, will need to address collectively. \u003C\u002Fp\u003E\u003Ch2\u003EConsumer trust and shared responsibility\u003C\u002Fh2\u003E\u003Cp\u003EFirst, let's get one thing straight. This isn't simply a question of privacy, but of user trust. When things don't work the way they're supposed to work, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-return-data-control-to-users-to-regain-public-trust\u002F\" target=\"_blank\"\u003Etrust will erode\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EUse only apps from official app stores and you're good, OCBC customers were assured. But that approach turned out to be problematic.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Feight-habits-of-highly-secure-remote-workers\u002F\" target=\"_blank\"\u003E8 habits of highly secure remote workers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E'Oh, then your app's permission settings are the issue,' customers were told. However, the bank has remained coy about the details of what these permission settings are, presumably so the bad guys aren't tipped off about how to circumvent these flags. \u003C\u002Fp\u003E\u003Cp\u003EMore generally, the lack of information, and transparency, means users are left wondering what exactly is so wrong with the apps -- apps that they had downloaded from official stores and that were built by legitimate companies. Does that mean the likes of Microsoft, LG, and Trend Micro are releasing apps that contain security risks, as deemed by OCBC?\u003C\u002Fp\u003E\u003Cp\u003EAnd if that isn't the case, does that mean apps are being mistakenly identified by a major bank's security 'enhancement'? A security enhancement that \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\" target=\"_blank\"\u003Eshould have been rigorously checked and tested\u003C\u002Fa\u003E and checked again before it's released to the public? \u003C\u002Fp\u003E\u003Cp\u003EHow much trust, therefore, should consumers put in a security feature that is unable to properly distinguish between legitimate apps and those that carry actual risks? \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso\u003C\u002Fstrong\u003E: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fin-depth\u002Finnovation\u002Fthese-experts-are-racing-to-protect-ai-from-hackers-time-is-running-out\u002F\"\u003E\u003Cstrong\u003EThese experts are racing to protect AI from hackers\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ETo top it off, users are being told their decisions on how they want to operate their devices are invalid. In other words, this security enhancement is implying 'remove your naughty apps or you can't use ours'.\u003C\u002Fp\u003E\u003Cp\u003ESo, when businesses override a customer's decision on how they want their devices to be secured, does it make them fully liable when a breach occurs? I believe it potentially should, since the customer has little say in the apps, including antivirus tools, that they can have on their phone if they wish to continue accessing their bank account.\u003C\u002Fp\u003E\u003Cp\u003EI recently had a similar conversation with some industry folks, during which I mentioned a personal peeve with regards to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-industry-needs-stronger-codes-of-conduct-as-consumer-data-gains-value\u002F\" target=\"_blank\"\u003Eapp permissions\u003C\u002Fa\u003E and organizations' inability, or unwillingness, to explain why they need access to features that are unnecessary to facilitate their services.\u003C\u002Fp\u003E\u003Cp\u003EIt was then suggested to me that the lack of transparency might be buffered by the assurance that these businesses, in their own interests, would not want to develop an app that put their customers at risk, hence, damaging their own brand reputation. \u003C\u002Fp\u003E\u003Cp\u003EI would argue that this stance shouldn't absolve customers from taking responsibility for their own security posture. \u003C\u002Fp\u003E\u003Cp\u003EIn fact, the Singapore government, perhaps to the delight of businesses, has repeatedly emphasized the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-urges-shared-responsibility-in-preventing-online-scams-as-it-readies-liability-framework\u002F\" target=\"_blank\"\u003Econsumers to assume shared responsibility\u003C\u002Fa\u003E in safeguarding their cyber hygiene. \u003C\u002Fp\u003E\u003Cp\u003E\"The ongoing fight against scams requires an ecosystem approach, with all stakeholders playing their part in staying vigilant and guarding against scams,\" \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003EMAS had said\u003C\u002Fa\u003E. The regulator is \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fparliamentary-replies\u002F2023\u002Fwritten-reply-to-parliamentary-question-on-the-framework-for-equitable-sharing-of-losses\" target=\"_blank\"\u003Eworking on a liability framework\u003C\u002Fa\u003E that it says will make clear the roles and responsibilities of financial institutions, telcos, and customers to be vigilant against online scams. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso\u003C\u002Fstrong\u003E: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ffive-easy-steps-to-keep-your-smartphone-safe-from-hackers\u002F\"\u003E\u003Cstrong\u003E5 easy steps to keep your smartphone safe from hackers\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIf consumers are made to assume responsibility, and liability, for their online hygiene, shouldn't they then have the right to make their own decisions on how they can best protect themselves? \u003C\u002Fp\u003E\u003Cp\u003EAnd shouldn't there be more transparency and access to information on how the organizations consumers transact with are securing their services? \u003C\u002Fp\u003E\u003Cp\u003EFor the sake of their customers (and my sanity), I hope the other banks set to follow in OCBC's footsteps have been taking notes and working to ensure they avoid a similarly messy rollout. \u003C\u002Fp\u003E\u003Cp\u003EFor instance, could OCBC have mitigated some of the issues by offering customers a personal 'whitelist' to which they can include apps initially flagged by the bank's security feature? These apps could be checked and assessed against security policies, and added to the whitelist only after they've been ascertained to be safe. \u003C\u002Fp\u003E\u003Cp\u003EBanks could put a cap of, say, three apps in the whitelist, so customers are motivated to prioritize apps that are absolutely necessary and banks can manage the resources needed to facilitate this approach. They can also \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-ai-heres-everything-you-need-to-know-about-artificial-intelligence\u002F\" target=\"_blank\"\u003Euse artificial intelligence tools\u003C\u002Fa\u003E to automate some processes and optimize the app assessment cycle, as well as maintain a repository of approved ones, further reducing the effort required to upkeep the whitelist. \u003C\u002Fp\u003E\u003Cp\u003EAnd if they're not already doing so, banks should be in touch with major app developers, including antivirus software vendors, on how their permission settings may or may not pass their security checklist. That's assuming they, too, are choosing not to divulge specifics behind app permissions they consider to be risky. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fstop-using-your-4-digit-iphone-passcode-in-public-do-this-instead\u002F\"\u003E\u003Cstrong\u003EStop using your 4-digit iPhone passcode in public. Do this instead\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAbove all, the one key question all banks will want to ask themselves is whether they're prepared to take full liability in the event of a security breach, should they choose to override their customers' security choices. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-08-17 08:58:00",timezone:"UTC",updated:c,published:c},description:"When businesses override a customer's security decision, does it make them fully liable when a breach occurs? That's a question banks like those in Singapore need to consider before they roll out their next security feature.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"8a2ff52d-c0d8-4471-a0bc-774050bfcdac",image:{id:"80536812-3971-4dad-94b0-d2082892465f",filename:"gettyimages-1477846719.jpg",dateCreated:{created:c,date:"2023-08-16 20:58:52",timezone:"UTC",updated:c,published:c},alt:"business-on-security-thumb.jpg",credits:"Chris Jongkind\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F08\u002F16\u002F80536812-3971-4dad-94b0-d2082892465f\u002Fgettyimages-1477846719.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2164,height:1385,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"analysis\u002Fopinion",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust",startYear:c,summary:b,title:"Banks defending their right to security are missing the point about consumer trust",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1029c8e8-ec91-11e3-95d2-02911863765e",slug:"data-management",name:"Data Management",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"3b7c20bd-23cb-4db4-aaa3-1936aba2b4cd\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Eugen Barbu\u002F500px\u002FGetty Images\" data-image-alt-text=\"Padlock on credit cards\" data-image-filename=\"gettyimages-1481917164.jpg\" data-image-date-created=\"2023\u002F08\u002F10\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOCBC has left several of its customers frustrated after introducing a security feature that locks out access if mobile apps downloaded from unofficial app stores are detected on the user's device. \u003C\u002Fp\u003E\u003Cp\u003EThe \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Focbc-bank-offers-customers-login-option-with-e-government-app\u002F\" target=\"_blank\"\u003ESingapore bank\u003C\u002Fa\u003E rolled out the security feature on its mobile app early this week, citing the need to protect its customers against malware. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F4-ways-to-avoid-clicking-on-malicious-links-and-the-phishing-and-scams-behind-them\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003E4 ways to avoid clicking malicious links that everyone online should know\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe \"enhancement\" allows its app to identify apps that are not downloaded from official app stores, such as Google Play Store and Huawei AppGallery. The new security feature also checks the permission settings of apps against what the bank deems to present potential risks or that are commonly used in malware-laced apps. \u003C\u002Fp\u003E\u003Cp\u003EWhen apps that do not meet both of the criteria are detected, customers will not be able to log into their account via OCBC's mobile app or online banking site until they uninstall or remove the \"rogue\" apps. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ECustomers who want to continue using these apps are advised to download and reinstall them from official app stores, OCBC said on \u003Ca href=\"https:\u002F\u002Fwww.facebook.com\u002FOCBC.Singapore\" target=\"_blank\"\u003Eits Facebook page\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EOCBC further noted that the new security feature does not monitor its customers' phone activities or conduct surveillance on the mobile device -- neither does it collect nor retain customers' personal data. \u003C\u002Fp\u003E\u003Cp\u003E\"This technology detects apps that are not downloaded from official app stores only when the OCBC Digital app is opened,\" the bank added. \"It does not identify the owner of the device. All it does is to alert customers to apps that could compromise the device to malware scams.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best VPN services (and tips to choose the right one for you)\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"We apologize for any inconvenience caused. We seek your patience as this feature is aimed to safeguard customers from malware scams,\" it said. \u003C\u002Fp\u003E\u003Cp\u003EIts customers, though, were left frustrated after finding themselves unable to access their banking services, prompting several to air their grievances on the bank's Facebook page. These included users who said apps they had downloaded from official app stores were identified as malware by OCBC's security feature. \u003C\u002Fp\u003E\u003Cp\u003EOne such customer said \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-microsoft-authenticator-as-your-password-manager\u002F\" target=\"_blank\"\u003EMicrosoft Authenticator\u003C\u002Fa\u003E was singled out, even though the two-factor authenticator app was published by Microsoft and downloaded from Play Store. The customer added that they still were unable to access OCBC's app even after uninstalling and reinstalling Microsoft Authenticator from the Google app store, as recommended by an OCBC administrator. \u003C\u002Fp\u003E\u003Cp\u003EOthers said apps for their smart home devices, such as LG ThinQ, also were highlighted even though they were downloaded from official app stores. System optimizer apps such as CCLeaner did not make the cut either. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-chatgpt-to-create-an-app\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EHow to use ChatGPT to create an app\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAnother reported that even their Trend Micro antivirus mobile app was flagged since it was not downloaded from an official app store. \u003C\u002Fp\u003E\u003Cp\u003EMost said OCBC's recommended solution of deleting and reinstalling the specific apps from official app stores did not work. \u003C\u002Fp\u003E\u003Cp\u003EOne customer also noted that apps developed out of China appeared to be blocked, even though the apps were not detected as security risks by their own antivirus tool. \u003C\u002Fp\u003E\u003Cp\u003EA customer highlighted the oft-cited need to balance convenience and security, or businesses such as OCBC will risk losing their customers instead. Another put it more plainly: \"What right does OCBC have to decide what we can install?\"\u003C\u002Fp\u003E\u003Cp\u003EAmid the complaints, industry regulator Monetary Authority of Singapore (MAS) released a \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2023\u002Fmas-response-to-media-queries-on-ocbc-security-feature\" target=\"_blank\"\u003Estatement\u003C\u002Fa\u003E voicing its support for the bank's security feature, which it said aims to address risks associated with downloading applications from unauthorized sources, since these may contain malware. \u003C\u002Fp\u003E\u003Cp\u003E\"It is in the nature of new innovations that they may cause unintended inconveniences,\" the regulator said, adding that it would work with banks in Singapore to learn from such experiences so security features can be continuously enhanced. \u003C\u002Fp\u003E\u003Cp\u003EMAS said it had been working with these organizations on measures to combat risks related to malware scams, to which customers increasingly had fallen victim, and \"strongly supports\" banks' initiatives to strengthen the security of digital banking activities.\u003C\u002Fp\u003E\u003Cp\u003EThe regulator noted that the Association of Banks in Singapore also will review the effectiveness of existing anti-scam measures as the threat landscape evolves. \u003C\u002Fp\u003E\u003Cp\u003E\"Security measures will come with some measure of added inconvenience for customers, but they are necessary to maintain security of and confidence in digital banking,\" MAS said. \"Coupled with a vigilant and discerning public, robust security measures will help us strengthen our defence against scams.\"\u003C\u002Fp\u003E\u003Cp\u003EOCBC was the center of a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\"\u003Espate of SMS phishing scams\u003C\u002Fa\u003E last year, which wiped out SG$13.7 million ($10.17 million) from the accounts of 790 customers. Scammers had manipulated SMS Sender ID details to push out messages that appeared to be from OCBC, urging the victims to resolve issues with their bank accounts. They then were redirected to phishing websites and instructed to key in their bank login details, including username, PIN, and One-Time Password (OTP).  \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-protect-and-secure-your-password-manager\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EHow to protect and secure your password manager\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThis prompted the Singapore government to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-step-up-security-measures-in-aftermath-of-phishing-scams\u002F\" target=\"_blank\"\u003Estep up security measures\u003C\u002Fa\u003E to bolster local banking and communications infrastructures, which included the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-tag-unregistered-sms-senders-as-likely-scam\u002F\" target=\"_blank\"\u003ESMS service providers to check against a registry\u003C\u002Fa\u003E before sending through messages. Banks also are expected to develop \"more versatile\" artificial intelligence (AI) models to detect suspicious transactions. \u003C\u002Fp\u003E\u003Cp\u003EIn addition, Singapore banks were instructed to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003Eprovide a \"kill switch,\"\u003C\u002Fa\u003E allowing customers to quickly suspend their accounts should they suspect a security breach.\u003C\u002Fp\u003E\u003Cp\u003EConsumers also were urged to use mobile banking apps, instead of web browsers, to access their accounts in order to minimize the risks of navigating to fraudulent websites. The Singapore government had underscored the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-urges-shared-responsibility-in-preventing-online-scams-as-it-readies-liability-framework\u002F\" target=\"_blank\"\u003Ecustomers to assume responsibility for their own cyber hygiene\u003C\u002Fa\u003E by taking \"necessary precautions.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-08-11 13:33:00",timezone:"UTC",updated:c,published:c},description:"OCBC introduces a security feature that locks out access if it detects mobile apps downloaded from unofficial app stores on the user's phone. The bank cites the need to safeguard against malware, but is instead frustrating customers.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"0a452783-bbc8-47d7-916a-b8579e5765bf",image:{id:"3b7c20bd-23cb-4db4-aaa3-1936aba2b4cd",filename:"gettyimages-1481917164.jpg",dateCreated:{created:c,date:"2023-08-10 14:03:34",timezone:"UTC",updated:c,published:c},alt:"Padlock on credit cards",credits:"Eugen Barbu\u002F500px\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F08\u002F10\u002F3b7c20bd-23cb-4db4-aaa3-1936aba2b4cd\u002Fgettyimages-1481917164.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"this-banks-new-app-security-feature-irks-customers",startYear:c,summary:b,title:"This bank's new app security feature irks customers",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"10cdea3b-ec91-11e3-95d2-02911863765e",slug:"mobile-os",name:"Mobile 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06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"f0f638a3-c567-41e1-9c36-5e86f60da1d7\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Oscar Wong\u002FGetty Images\" data-image-alt-text=\"woman looking at banking transaction on mobile\" data-image-filename=\"mobile-bank-oscar-wong092024.jpg\" data-image-date-created=\"2024\u002F09\u002F18\" data-image-crop=\"2121x1192+0+222\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ESingapore has mandated the use of facial recognition as authentication for \"higher risk\" banking transactions, in a bid to stem \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\"\u003Egrowing scams in the country\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003ERetail banks will roll out Singpass Face Verification over the next three months to beef up the setup process for digital tokens, according to a joint \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2024\u002Fmajor-retail-banks-to-introduce-singpass-face-verification\u002F\"\u003Estatement\u003C\u002Fa\u003E released Wednesday by industry regulator Monetary Authority of Singapore (MAS) and the Association of Banks in Singapore (ABS). \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fnon-cash-transactions-to-hit-1-6t-with-asia-leading-adoption\u002F\"\u003E\u003Cstrong\u003ENon-cash transactions to hit 1.6T, with Asia leading adoption\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EVerification mode will be triggered in higher-risk scenarios to complement existing authentication methods for setting up digital tokens, they said. Ultimately, face scans verify a customer's identity against Singapore's records before the digital token can be activated for use by the customer. \u003C\u002Fp\u003E\u003Cp\u003E\"This makes it more difficult for a scammer to take over a customer's digital token by setting it up on his own device using phished credentials such as an SMS, one-time passwords (OTPs), and\u002For bank card information,\" MAS said.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-lawyers-offered-access-to-microsoft-copilot-but-reminded-to-have-human-oversight\u002F\"\u003E\u003Cstrong\u003EMicrosoft Copilot to be integrated into Singapore's legal technology platform\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ECustomers who do not already have a Singpass account will have to register for an account and download the Singpass app before they can set up digital tokens for their bank accounts. \u003C\u002Fp\u003E\u003Cp\u003EIntroduced in 2003, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-spruces-up-e-government-platform-touts-service-portfolio\u002F\"\u003ESingpass\u003C\u002Fa\u003E is the national digital identity used to authenticate access to various online activities in Singapore, including e-government services, document signing, and booking medical appointments. It is used in more than 2,700 services across 800 government agencies and businesses, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-adds-face-verification-multi-user-sms-to-singpass-2fa\u002F\"\u003Ewith authentication\u003C\u002Fa\u003E via biometrics or SMS two-factor authentication (2FA). \u003C\u002Fp\u003E\u003Cp\u003ESingpass currently has more than 4.2 million users, processing more than 41 million transactions each month, according to government agency \u003Ca href=\"https:\u002F\u002Fwww.tech.gov.sg\u002Fproducts-and-services\u002Ffor-citizens\u002Fdigital-services\u002Fsingpass\u002F\"\u003EGovTech\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fasian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool\u002F\"\u003E\u003Cstrong\u003E Asian banks are a favorite target of cybercrooks, and malicious bots their preferred tool\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe latest move is part of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-pushed-to-introduce-security-measures-amidst-online-banking-scams\u002F\"\u003Esecurity measures banks in Singapore\u003C\u002Fa\u003E have implemented, including a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\"\u003Ekill switch\u003C\u002Fa\u003E, to safeguard customers against scams. In July, local banks -- DBS, OCBC, and UOB also unveiled plans to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens\u002F\"\u003Eretire the use of one-time passwords\u003C\u002Fa\u003E (OTPs) for customers who have digital tokens. \u003C\u002Fp\u003E\u003Cp\u003EABS director Ong-Ang Ai Boon said: \"Singpass Face Verification gives customers increased protection against unauthorized access to their bank accounts, adding to the suite of measures and tools that banks have provided customers to empower them to guard themselves against scams. While banks will continue to do their part to fight scams, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-urges-shared-responsibility-in-preventing-online-scams-as-it-readies-liability-framework\u002F\"\u003Ecustomers need to be vigilant themselves\u003C\u002Fa\u003E and practice good cyber hygiene.\"\u003C\u002Fp\u003E\u003Cp\u003EIt's a critical move as digital tokens are used to approve subsequent transactions, noted Loo Siew Yee, MAS' assistant managing director for policy, payments, and financial crime.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-must-move-past-pin-otp-to-ensure-mobile-security\u002F\"\u003E\u003Cstrong\u003EBanks must move past PIN, OTP to ensure mobile security\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAdditional verification is used for higher risk scenarios by banks such as \u003Ca href=\"https:\u002F\u002Fwww.dbs.com.sg\u002Fpersonal\u002Fsupport\u002Fbank-ibanking-digital-token-additional-security.html\"\u003EDBS\u003C\u002Fa\u003E, for instance, that involve adding a payee or updating personal particulars. \u003C\u002Fp\u003E\u003Cp\u003ESingapore's ongoing efforts to beef up the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-in-singapore-begin-sharing-data-to-combat-financial-crime\u002F\"\u003Ecyber resilience of banks\u003C\u002Fa\u003E come amid growing attacks targeting the financial services sector. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe industry remains the world's most frequently targeted for Layer 3 and 4 distributed denial-of-service (DDoS) attacks for the second consecutive year, according to Akamai Technologies' latest \u003Ca href=\"https:\u002F\u002Fwww.akamai.com\u002Flp\u002Fsoti\u002Ffinancial-services-trends-2024\"\u003EState of the Internet (SOTI) report\u003C\u002Fa\u003E. Such attacks aim for network and transport layers with the intent to overwhelm network infrastructures and clog bandwidth.\u003C\u002Fp\u003E\u003Ch2\u003EFinancial services sector remains a popular target for attack\u003C\u002Fh2\u003E\u003Cp\u003EFinancial services account for 34% of DDoS attacks, followed by gaming at 18%, and high technology at 15%, as documented in the report, whose insights are based on data from Akamai Connected Cloud. \u003C\u002Fp\u003E\u003Cp\u003EIt attributed the spike in DDoS activities to ongoing geopolitical tensions that drove up hacktivism, with the involvement of well-known threat actors including REvil, BlackCat (ALPHV), and KillNet, commonly linked to the Russian-Ukraine war.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-updates-ot-security-blueprint-to-focus-on-data-sharing-and-skills\u002F\"\u003E\u003Cstrong\u003ESingapore updates OT security blueprint to focus on data sharing and cyber resilience\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn addition, 36% of all suspicious sites monitored by Akamai are implicated in brand impersonation and abuse activities targeting the financial services sector. \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\"\u003EPhishing attacks\u003C\u002Fa\u003E also dominate counterfeit sites targeting financial services, accounting for 68% of all recorded instances. \u003C\u002Fp\u003E\u003Cp\u003EAkamai further pointed to a sharp climb in the number of Layer 7 DDoS attacks that specifically target applications via APIs (application programming interfaces). \"A major concern [is] undocumented shadow APIs, which are often unprotected because information security teams are unaware of their existence,\" the report noted. \"Attackers can exploit these APIs to exfiltrate data, bypass authentication controls, or perform disruptive acts.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F#link=%7B%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F%22,%22target%22:%22_blank%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3EBanks%20defending%20their%20right%20to%20security%20are%20missing%20the%20point%20about%20consumer%20trust%3C\u002Fstrong%3E%22%7D\"\u003E\u003Cstrong\u003EBanks defending their right to security are missing the point about consumer trust\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn particular, the Asia-Pacific region clocked the highest median threat score for phishing attacks, according to the Akamai study. Specifically, it saw a high number of suspicious domains and requests. \u003C\u002Fp\u003E\u003Cp\u003EThe region's high digital adoption as well as active engagement on social media put its financial sector in a vulnerable position to cyber attacks, Akamai said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the region also faces unique cybersecurity challenges due to its fragmented landscape, where countries in the West and Global South with strong gross domestic product (GDP) make it a prime target for attacks. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\"\u003E\u003Cstrong\u003EThis data platform will help banks share criminal intelligence\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"The rapid digitalization in banking, combined with low awareness of phishing dangers, puts consumers at a higher risk of attacks despite this region having fewer phishing or brand impersonation domains compared to other parts of the world,\" the report noted. \"This indicates that consumers in the region are at a higher risk of having their banking information and other sensitive data stolen when visiting websites.\"\u003C\u002Fp\u003E\u003Cp\u003EWith almost all services available online, alongside financial organizations' increased engagement on social media, Asia-Pacific's internet adoption makes it a prime target for cybercriminals. It provides more avenues for phishing and impersonation attacks, exploiting users' trust in these platforms. \u003C\u002Fp\u003E\u003Cp\u003E\"Financial institutions in [the region] face a trifecta of challenges in today's landscape such as safeguarding assets and data, ensuring compliance, and staying ahead of innovation to educate customers on the latest phishing and scam tactics,\" said Reuben Koh, Akamai's Asia-Pacific Japan director of security technology and strategy. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fapac-consumers-share-more-data-but-will-ditch-firms-over-security-breach\u002F\"\u003E\u003Cstrong\u003EAPAC consumers share more data, but will ditch firms over security breach\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"With financial services continuing to be the most targeted industry in Asia-Pacific, including Japan, for web application and API cyberattacks, technology decision-makers like chief information security officers must carefully decide where to automate, delegate, and outsource, ensuring scalable security solutions that not only defend assets but also preserve customer loyalty in an increasingly digital world.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-09-18 18:36:23",timezone:"UTC",updated:c,published:c},description:"The move comes amid growing phishing attacks targeting the financial services sector; most impacted by brand impersonation scams.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"10b398c8-a71b-428f-85fb-91d7abea7580",image:{id:"f0f638a3-c567-41e1-9c36-5e86f60da1d7",filename:"mobile-bank-oscar-wong092024.jpg",dateCreated:{created:c,date:"2024-09-18 05:53:36",timezone:"UTC",updated:c,published:c},alt:"woman looking at banking transaction on mobile",credits:"Oscar Wong\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F09\u002F18\u002Ff0f638a3-c567-41e1-9c36-5e86f60da1d7\u002Fmobile-bank-oscar-wong092024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"singapore-mandates-face-authentication-for-higher-risk-bank-transactions",startYear:c,summary:b,title:"Singapore mandates face authentication for 'higher risk' bank transactions",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fd151ec-ec91-11e3-95d2-02911863765e",slug:"asean",name:"Asean",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"aa44a0b2-71f8-464e-a3d0-87a415f9bbcf\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"hirun\u002FGetty Images\" data-image-alt-text=\"OTP on phone with laptop in background\" data-image-filename=\"security-otp-hirun072024.jpg\" data-image-date-created=\"2024\u002F07\u002F09\" data-image-width=\"2119\" data-image-height=\"1415\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EDBS, OCBC, and UOB in Singapore are slated to retire the use of one-time passwords (OTPs) for customers who have digital tokens, in a move that aims to combat \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\" target=\"_blank\"\u003Ephishing scams\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003ETo be phased out within the next three months, OTPs will remain available to customers of the three banks who still rely on physical tokens. These users, however, are \"strongly encouraged\" to activate their digital tokens to better safeguard their credentials against phishing attacks, according to a \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2024\u002Fbanks-in-singapore-to-strengthen-resilience-against-phishing-scams\" target=\"_blank\"\u003Ejoint statement\u003C\u002Fa\u003E released Tuesday by industry regulator Monetary Authority of Singapore (MAS) and The Association of Banks in Singapore (ABS).\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-must-move-past-pin-otp-to-ensure-mobile-security\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EBanks must move past PIN, OTP to ensure mobile security\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWith the OTP phase out, customers will have to use their digital tokens on their mobile devices for authentication when they log into their bank account or mobile banking app.\u003C\u002Fp\u003E\u003Cp\u003ESingapore adopted OTPs in the 2000s as an MFA (\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmulti-factor-authentication-how-to-enable-2fa-and-boost-your-security\u002F\" target=\"_blank\"\u003Emulti-factor authentication\u003C\u002Fa\u003E) option, but social engineering tactics have since grown more sophisticated. These have enabled scammers to more easily gain access to customers' OTPs via phishing attacks -- for example, through fraudulent bank websites created to resemble genuine ones. \u003C\u002Fp\u003E\u003Cp\u003ERetiring the use of OTPs will enhance the user authentication process and make it more difficult for scammers to access customer bank accounts and funds, without customers' explicit authorization through their mobile devices.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003EPhishing attacks\u003C\u002Fa\u003E were among the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\" target=\"_blank\"\u003Etop five scam\u003C\u002Fa\u003E categories last year in Singapore, accounting for SG$14.2 million ($10.52 million) lost through these scams, according to Singapore Police Force's (SPF) annual scams and cybercrime 2023 report.\u003C\u002Fp\u003E\u003Cp\u003ELocal banks have been working with MAS and law enforcement to implement \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003Emeasures\u003C\u002Fa\u003E that address this threat landscape, the industry regulator said.\u003C\u002Fp\u003E\u003Cp\u003E\"While they may give rise to some inconvenience, such measures are necessary to help prevent scams and protect customers,\" ABS director Ong-Ang Ai Boon said. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EBanks defending their right to security are missing the point about consumer trust\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EMAS last October laid out a framework detailing \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003Eparties that should be held responsible\u003C\u002Fa\u003E for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\"\u003Ephishing scams\u003C\u002Fa\u003E, with banks and telcos taking on accountability first and foremost. \u003C\u002Fp\u003E\u003Cp\u003EScams and cybercrime cases in Singapore climbed 49.6% in 2023, with the number of cases hitting 50,376, up from 33,669 cases \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-hit-by-growing-cybercrimes-clocks-501m-in-losses-from-scams\u002F\"\u003Ein 2022\u003C\u002Fa\u003E. Scams accounted for 92.4% of overall cases, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\" target=\"_blank\"\u003ESPF's numbers revealed\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EThe police force works with various institutions, including fintech companies and cryptocurrency platforms, via its Anti-Scam Command office to freeze accounts and recover funds \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\"\u003Eto reduce losses\u003C\u002Fa\u003E. More than 19,600 bank accounts were frozen in 2023 based on investigations by the Anti-Scam Command Centre, recovering more than SG$100 million. \u003C\u002Fp\u003E\u003Cp\u003EThe center also works with local telcos and e-commerce platforms on anti-scam measures, terminating more than 9,200 mobile lines and 29,200 WhatsApp lines in 2023 that were suspected of being used in scams. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-07-10 14:54:00",timezone:"UTC",updated:c,published:c},description:"The move to phase out OTP authentication is part of efforts by Singapore's financial institutions to safeguard against phishing.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"ca38fc95-e98d-401b-8586-a5382aa80d5c",image:{id:"aa44a0b2-71f8-464e-a3d0-87a415f9bbcf",filename:"security-otp-hirun072024.jpg",dateCreated:{created:c,date:"2024-07-09 07:13:36",timezone:"UTC",updated:c,published:c},alt:"OTP on phone with laptop in background",credits:"hirun\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F07\u002F09\u002Faa44a0b2-71f8-464e-a3d0-87a415f9bbcf\u002Fsecurity-otp-hirun072024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2119,height:1415,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens",startYear:c,summary:b,title:"3 banks plan to retire one-time passwords for customers with digital tokens",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"f4022b9c-91a0-4649-9df7-7ded27a568a4\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Credit: OCBC\" data-image-alt-text=\"ocbc-securities-oscar042024\" data-image-filename=\"ocbc-securities-oscar042024.jpg\" data-image-date-created=\"2024\u002F06\u002F18\" data-image-width=\"8256\" data-image-height=\"5504\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOCBC has introduced a stock picker tool powered by an artificial intelligence (AI) engine that is trained on data from stock exchanges across three global markets, including Hong Kong and the US. \u003C\u002Fp\u003E\u003Cp\u003ECalled A.I. Oscar, the AI platform was trained with data from 4,000 stocks listed on the Singapore Stock Exchange, Hong Kong Exchange, NASDAQ, New York Stock Exchange, and NYSE American. The data spans more than 10 years' worth of stock fundamentals, macroeconomic factors, market patterns, and technical indicators related to the stocks, according to OCBC Securities, the brokerage subsidiary of Singapore bank OCBC. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-in-singapore-begin-sharing-data-to-combat-financial-crime\u002F\"\u003EBanks in Singapore begin sharing data to combat financial crime\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe training data is updated daily to keep the AI platform current and continuously finetuned by \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-bank-sets-up-unit-to-drive-in-house-ai-development\u002F\" target=\"_blank\"\u003EOCBC's team of data scientists\u003C\u002Fa\u003E and trading strategists, who assess the latest AI modeling techniques to improve A.I. Oscar's prediction accuracy and market understanding, OCBC said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the AI tool can predict stock price movements and generate stock picks based on the user's personal risk profile and trading patterns. This includes the investor's past trading activities and demographic data. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe tool then analyzes the data to generate a list of 15 stocks each week, curated from exchanges in the three global markets, which are the top three in which OCBC Securities' customers trade. \u003C\u002Fp\u003E\u003Cp\u003E\"This personalization allows investors to filter stocks that are highly likely to meet their trading preferences and criteria, and to immediately act on the idea by making a trade,\" the bank said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the AI tool was first piloted based on Singapore stocks between last October and this April before it was expanded to include the US and Hong Kong markets.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbank-cio-we-dont-need-ai-pros-we-need-critical-thinkers-to-challenge-ai\u002F\"\u003EBank CIO: We don't need AI whizzes, we need critical thinkers to challenge AI\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EA.I. Oscar is offered as a free service for OCBC Securities' customers via the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Focbc-integrates-voice-command-service-with-banking-app\u002F\" target=\"_blank\"\u003EiOCBC mobile app\u003C\u002Fa\u003E, iOCBC online trading platform, and email.\u003C\u002Fp\u003E\u003Cp\u003EThe bank is hoping the launch will help triple the number of active customers aged under 35, over the next three years. Some 97% of all trades made by this customer segment last year were processed through digital platforms, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fnearly-50-of-people-want-an-ai-clone-to-do-this-for-them\u002F\" target=\"_blank\"\u003Ebypassing advice or guidance from a human\u003C\u002Fa\u003E broker. \u003C\u002Fp\u003E\u003Cp\u003EIn addition, young investors opened more than half of all new trading accounts in 2023, OCBC said, noting that A.I. Oscar is targeted as a tool for customers who lean toward self-directed investing. \u003C\u002Fp\u003E\u003Cp\u003EOCBC said that trading activities among investors aged under 35 climbed by 50% during the pilot, compared to the months before the trial last year.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F6-ways-ai-can-help-launch-your-next-business-venture\u002F\"\u003E6 ways AI can help launch your next business venture\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"Unlike rule-based models that make decisions based on a set of pre-determined criteria, A.I. Oscar identifies patterns in data to create dynamic prediction parameters,\" OCBC said. The platform is powered by deep learning algorithms that tap neural network models, the bank said. \u003C\u002Fp\u003E\u003Cp\u003EOCBC Securities' managing director Wilson said: \"Investors already have access to a wide range of information, but the challenge lies in being able to find the information relevant to them and to distill it into an actionable trading idea. Being able to do so quickly is especially important in today's fast-paced world. A.I. Oscar addresses this need, and we expect it to become an indispensable tool, especially for digitally savvy young investors who prefer the self-service model.\"\u003C\u002Fp\u003E\u003Cp\u003EThe AI tool's ability to generate stock ideas also provides a starting point for discussions between the bank's trading agents and customers, he said. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"c1c64b97-f918-4f5b-acae-43981f87d8e6\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fc1c64b97-f918-4f5b-acae-43981f87d8e6\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-06-18 18:22:24",timezone:"UTC",updated:c,published:c},description:"Trained on data from stock exchanges in three markets, the Singapore bank's AI platform predicts price movements and generates stock picks based on a user's personal risk profile and trading patterns.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a181d2ee-44b1-49a7-8e6e-cb73d345e311",image:{id:"f4022b9c-91a0-4649-9df7-7ded27a568a4",filename:"ocbc-securities-oscar042024.jpg",dateCreated:{created:c,date:"2024-06-18 06:05:46",timezone:"UTC",updated:c,published:c},alt:"ocbc-securities-oscar042024",credits:"Credit: OCBC",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F06\u002F18\u002Ff4022b9c-91a0-4649-9df7-7ded27a568a4\u002Focbc-securities-oscar042024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8256,height:5504,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Innovation^Artificial Intelligence",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-ai-tool-identifies-stock-buys-based-on-users-risk-appetite",startYear:c,summary:b,title:"Bank's AI tool identifies stock buys based on user's risk appetite",topic:{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1147b242-ec91-11e3-95d2-02911863765e",slug:"smartphones",name:"Smartphones",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThe Monetary Authority of Singapore (MAS) and six banks have launched COSMIC, a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\" target=\"_blank\"\u003Ecommon data platform\u003C\u002Fa\u003E to let financial institutions exchange insights on possible financial crime activities. DBS, UOB, Standard Chartered, Citibank, and HSBC have begun sharing customer information carrying \"red flags\" so they can warn each other of potential financial crime, such as money laundering and terrorism financing, MAS said. \u003C\u002Fp\u003E\u003Cp\u003EThe six banks will only share data if the customer's profile or behavior exhibits \"certain objectively-defined indicators of suspicion,\" the central bank said in a statement on Monday. COSMIC is supposed to plug gaps where financial institutions are unable to alert each other about unusual activities involving their customers due to confidentiality requirements.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003ESingapore wants banks and telcos to bear losses if found negligent in phishing scams\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn May 2023, Singapore \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\" target=\"_blank\"\u003Eproposed amendments to its Financial Services and Markets Bill\u003C\u002Fa\u003E to facilitate the sharing of data and establish the legal framework to do so via the data platform. These amendments have kicked in with the launch of COSMIC, according to MAS. The bill sets out policies and operational guidelines to which participants must adhere to safeguard the confidentiality of the shared data.\u003C\u002Fp\u003E\u003Cp\u003E\"This will allow participant financial institutions to share information on potential criminal behavior, while safeguarding the interests of the vast majority of customers who are legitimate,\" MAS said. \"Customers are encouraged to continue to provide timely responses if requested by financial institutions to provide clarifications on their risk profiles or transactions, so that financial institutions can make informed risk assessments.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe six banks will share information on a voluntary basis, focusing on three commercial banking crime risks: the misuse of legal persons, trade finance for illicit purposes, and proliferation financing, which encompasses the moving or raising of funds and assets to support the proliferation of weapons of mass destruction.\u003C\u002Fp\u003E\u003Cp\u003ELast year, MAS said COSMIC would be operational in H2 2024, after the six banks had started sharing data. This additional time is designated for finetuning features and resolving operational issues before the platform is fully operational. MAS also plans to expand data platform access to more financial institutions and add more risk areas, making data sharing mandatory in higher-risk situations.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-04-01 20:34:13",timezone:"UTC",updated:c,published:c},description:"Six banks will share customer data deemed suspicious in a bid to fight money laundering and terrorism financing activities.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"8ea1624e-b796-4fc3-9ec0-698d18857839",image:{id:"31533fa5-2e59-44f2-94c5-4603d9695bae",filename:"global-data-gettyimages-1337196402.jpg",dateCreated:{created:c,date:"2024-01-19 16:32:07",timezone:"UTC",updated:c,published:c},alt:"global-data-gettyimages-1337196402",credits:"Yuichiro Chino\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F01\u002F19\u002F31533fa5-2e59-44f2-94c5-4603d9695bae\u002Fglobal-data-gettyimages-1337196402.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-in-singapore-begin-sharing-data-to-combat-financial-crime",startYear:c,summary:b,title:"Banks in Singapore begin sharing data to combat financial crime",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"0feec2d0-ec91-11e3-95d2-02911863765e",slug:"big-data",name:"Big Data",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0a6fffc2-2220-44ba-99e4-4c567f6f57bb",username:"maria-diaz-zd",profileUrl:c,email:c,firstName:"Maria",lastName:"Diaz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d89921b7-c002-40ef-8401-f002f1a769e9",filename:"maria-diaz.jpg",dateCreated:{created:c,date:"2022-08-05 14:44:33",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fd89921b7-c002-40ef-8401-f002f1a769e9\u002Fmaria-diaz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Maria Diaz is a staff writer based in the Raleigh-Durham, NC area with a passion for home automation and a background in graphic design, photography, and filmmaking. She has a bachelor's in Mass Communication and experience in journalism.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EBudgeting can be challenging, but with many Americans living paycheck-to-paycheck, it's a necessary evil for most of us. What that budget looks like, however, is different for everyone. Budget apps simplify the process by helping you track your spending, reach financial goals, and even lower your debt.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-early-black-friday-deals-amazon-walmart-best-buy-and-more\u002F\"\u003EBest early Black Friday deals: Amazon, Walmart, Best Buy, and more\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EWith \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Fintuit-kills-mint-and-personal-finance-app-users-are-unhappy\u002F\" target=\"_blank\"\u003EIntuit shutting down Mint\u003C\u002Fa\u003E, one of the most popular budget apps, users are looking for alternatives. If you're a former Mint user or simply looking to be budget-conscious ahead of the Black Friday shopping craze this holiday season, we've rounded up the best budget apps available today. \u003C\u002Fp\u003E\u003Ch2\u003EThe best budget apps of 2023\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"67aebe55-f637-44cc-a1c2-03505144cb7c\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E No free version, 30-day free trial&nbsp;| \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E Must purchase plan to use | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $15\u002Fmonth or $99\u002Fyear | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking available\u003C\u002Fp\u003E\u003Cp\u003EAs one of the most popular budgeting apps, YNAB (why-nab) is a great choice for anyone looking to get serious about their personal finance, achieving savings goals, and wiping out debt. As a detailed budgeting tool, YNAB makes easy work of expense tracking in real-time thanks to the ability to link your bank accounts.\u003C\u002Fp\u003E\u003Cp\u003EOne downside is that YNAB requires a subscription to use it, as there is no free version of the app. YNAB gives users a 30-day free trial before charging the user for a subscription, a time in which the app claims to save users up to $200. After the 30-day trial period ends, users can pay $15\u002Fmonth or $99\u002Fyear for the app.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"You Need a Budget (YNAB)\" data-superlative=\"Best budget app overall\" data-imagegroup=\"{"alt":"You need a budget YNAB","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1f027e2e-12ff-4201-bacc-72f9f1741108","title":"You need a budget YNAB","filename":"ynab.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1f027e2e-12ff-4201-bacc-72f9f1741108\u002Fynab.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2278887,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:12:15","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:12:28","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"You need a budget YNAB","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1f027e2e-12ff-4201-bacc-72f9f1741108","imageAltText":"You need a budget YNAB","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ynab.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value","offerMerchant":"YNAB","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ynab.com\u002F","url":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fynab-budgeting-finance\u002Fid1010865877","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.youneedabudget.evergreen.app&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Long free trial period~Loan calculator~Compatible with many banks\" data-dislike=\"Must purchase plan~No bill-paying capabilities\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"88b8754d-fa64-422b-81d3-03a81632136a\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Bank account linking, balance alerts, subscription flagger, spending tracker&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Subscription cancellation assistant, money expert advice, bill negotiation, savings account, and credit card&nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$3-$12\u002Fmonth or $36-$144\u002Fyear |&nbsp;\u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E&nbsp;Sliding scale subscription cost\u003C\u002Fp\u003E\u003Cp\u003ERocket Money is a budget app that tracks subscriptions and bills and helps you identify potential savings in your recurrent expenses for free. It lets users link accounts and flags subscriptions for you, making it easy to cancel the ones you no longer need. The Rocket Money app also reminds you of due bills to prevent late payments and features a spending tracker for financial budgeting.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Rocket Money app is free for budgeting and spotting unnecessary subscriptions but there is a Premium subscription that gives users access to bill negotiation, a cancellations assistant to cancel those subscriptions for you,&nbsp;and more. The Premium subscription is available for a variable cost that ranges from $3 to $12 monthly.\u003C\u002Fp\u003E\" data-hed=\"Rocket Money\" data-superlative=\"Best free budget app\" data-imagegroup=\"{"alt":"Rocket Money","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"65e12395-fb07-415b-915f-798ea57e3665","title":"Rocket Money","filename":"rocke.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F65e12395-fb07-415b-915f-798ea57e3665\u002Frocke.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2308087,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:20:25","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:20:34","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Rocket Money","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"65e12395-fb07-415b-915f-798ea57e3665","imageAltText":"Rocket Money","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"rocke.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value","offerMerchant":"Rocket Money","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.rocketmoney.com\u002F","url":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Frocket-money-bills-budgets\u002Fid1130616675","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.truebill&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Bill negotiations~Sync all of your accounts~Sliding scale pricing\" data-dislike=\"Limited features with free plan option\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"db41312c-45b7-4852-9383-d7add6ce62b1\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Envelope budgeting and transaction tracking; limit 20 envelopes&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Unlimited envelopes, support for up to five devices, &nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$8\u002Fmonth or $70\u002Fyear&nbsp;| where are you make a good very good for you it's like\u003C\u002Fp\u003E\u003Cp\u003EAs a mom of three who enjoys a good budget (pun intended) with both spreadsheets and pen and paper, Goodbudget is one of my favorite apps. Goodbudget strips down the bells and whistles of a traditional budgeting app in favor of a straightforward approach that multiple household members can see and manage.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EGoodbudget has you allocate funds into digital envelopes, just like you'd put physical cash into paper envelopes. The budget can be set according to the user's individual needs and how often income comes in, and the user categorizes different expenses and sets a budget for each one.\u003C\u002Fp\u003E\u003Cp\u003EFor example, if we typically spend $180 on gas monthly, I create a $200 digital envelope in Goodbudget labeled Gas, to account for any pricing fluctuations. Whatever isn't used, I can "sweep" into savings or debt repayment.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Goodbudget\" data-superlative=\"Best budget app for the envelope method\" data-imagegroup=\"{"alt":"Goodbudget","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","title":"Goodbudget","filename":"goodb.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1d6e0536-b804-4ad9-aaa1-c4124a00083e\u002Fgoodb.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2519060,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:25:13","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:25:19","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Goodbudget","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","imageAltText":"Goodbudget","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"goodb.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fgoodbudget-budget-planner\u002Fid471112395","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.dayspringtech.envelopes&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Goodbudget","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fgoodbudget.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Smart reporting~Affordable plan~Compatible with several devices\" data-dislike=\"Must manually log items~Paid plan has the best features\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c2018f22-0ecf-41fa-8bab-320d2fd25008\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E&nbsp;Does have ads | \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E No subscriptions | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E Free | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking, messaging, joint banking account\u003C\u002Fp\u003E\u003Cp\u003EHoneydue is a free app that is specifically designed for two people managing budgets together, which could help when couples and young families are building a shared financial picture. The fact that Honeydue is free means couples who don't want to invest in a budgeting app don't have to, though the app does have ads.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Honeydue app lets users link their bank accounts for real-time expense tracking, like Mint and other budget apps do, but it also has an in-app chat that lets the couple discuss finances without switching to a messaging app.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere's also the option to open a joint bank account with a debit card that features no monthly fees or minimum deposit requirements.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Honeydue\" data-superlative=\"Best budget app for couples\u002Ffamilies\" data-imagegroup=\"{"alt":"Honeydue","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"cdd5b9c1-4729-4589-8512-604cffe190b8","title":"Honeydue","filename":"honeydue.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fcdd5b9c1-4729-4589-8512-604cffe190b8\u002Fhoneydue.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2259598,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:40:30","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:40:38","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Honeydue","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"cdd5b9c1-4729-4589-8512-604cffe190b8","imageAltText":"Honeydue","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"honeydue.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Honeydue","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.honeydue.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apps.apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fhoneydue-couples-finance\u002Fid1157633945","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Play.google","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.honeydue.honeydue&hl=en&pcampaignid=MKT-Other-global-all-co-prtnr-py-PartBadge-Mar2515-1&pli=1","url":""}]\" data-usepricing=\"true\" data-like=\"~Free to use ~Joint banking account ~In-app messaging with partner\" data-dislike=\"~Few savings\u002Ffinancial goals abilities ~There are ads\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"97d358b6-1b9c-4e90-8b03-f36235959cc4\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree\u003C\u002Fstrong\u003E\u003Cstrong\u003E version:\u003C\u002Fstrong\u003E Basic budgeting features |\u003Cstrong\u003E Paid version:\u003C\u002Fstrong\u003E&nbsp;Debt payoff plan, unlimited budgets, extended transaction history&nbsp; | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $8\u002Fmonth, $35\u002Fyear, $80\u002Flifetime&nbsp;|\u003Cstrong\u003E Extra features:\u003C\u002Fstrong\u003E Pie chart reports for free and paid users, "In My Pocket" tracker\u003C\u002Fp\u003E\u003Cp\u003EUtilizing smart algorithms to manage and track spending, PocketGuard takes a modern approach to budgeting. The app monitors your bills, helping to remind you ahead of missing payments. True to its name, Pocketguard's built-in anti-fraud feature helps to keep track and alerts you of suspicious spending trends.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWith the "In My Pocket" (IMP) feature, the app automatically calculates monthly expenses and then notifies you of any leftover funds.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhile you don't have to pay to use PocketGuard, you must subscribe if you want to access all of the best features.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"PocketGuard\" data-superlative=\"Best budget app for overspenders\" data-imagegroup=\"{"alt":"PocketGuard","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"69c262c1-fd32-4d61-b4f6-25317291a0e3","title":"PocketGuard","filename":"pocketguard.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F69c262c1-fd32-4d61-b4f6-25317291a0e3\u002Fpocketguard.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1625464,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:46:16","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:46:24","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"PocketGuard","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"69c262c1-fd32-4d61-b4f6-25317291a0e3","imageAltText":"PocketGuard","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"pocketguard.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fpocketguard-money-budgeting\u002Fid949414211","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.pocketguard.android.app&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Pocketgaurd","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fpocketguard.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Suspicious transactions monitoring~Debt payoff plan~Negotiate interest rates\" data-dislike=\"Paid plan for best features~Lower Google Play Store rating\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c1a419c1-19af-4522-8912-48381505968d\" data-edition=\"us\" data-description=\"\u003Cp\u003EYNAB is our pick for the best budgeting app because it combines many features and is easy to use. However, that doesn't make YNAB the best budget app for everyone. Rocket Money is a top choice for anyone looking to save some cash, thanks to its sliding scale of pricing and expansive services. Here's how the apps we looked into stack up:&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EBudgeting app\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EZDNET's take\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003ECost\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EApp Store Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EGoogle\u003C\u002Fstrong\u003E\u003Cstrong\u003E Play\u003C\u002Fstrong\u003E\u003Cstrong\u003E Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E (YNAB)\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest budget app overall\u003C\u002Ftd\u003E\u003Ctd\u003E$15\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.80\u003C\u002Ftd\u003E\u003Ctd\u003E4.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest free budget app\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $3-$12\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.30\u003C\u002Ftd\u003E\u003Ctd\u003E4.4\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for the envelope method\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.60\u003C\u002Ftd\u003E\u003Ctd\u003E4.2\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for couples\u003C\u002Ftd\u003E\u003Ctd\u003EFree with ads\u003C\u002Ftd\u003E\u003Ctd\u003E4.50\u003C\u002Ftd\u003E\u003Ctd\u003E3.3\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for overspenders\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.70\u003C\u002Ftd\u003E\u003Ctd\u003E3.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cc870d10-dedf-4cdd-b35f-509c47cc3b42\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe right budget app for you will depend on how you want to budget, whether you want specific features like bill negotiations or credit scores, whether you have a single or combined checking account, and what price you're willing to spend per month for a subscription.\u003C\u002Fp\u003E\u003Cp\u003EBelow, I've broken down the options further.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EChoose this budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E app...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EIf\u003C\u002Fstrong\u003E\u003Cstrong\u003E you...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E (\u003Cstrong\u003EYNAB\u003C\u002Fstrong\u003E)\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EAre committed to creating and achieving your ideal financial budget. Its free trial lasts 30 days, so you can try it out for a month before subscribing.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket\u003C\u002Fstrong\u003E\u003Cstrong\u003E Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant great options for free or a lower price. The app can handle bill negotiations for you to get you lower prices on what you pay monthly.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EPrefer budgeting using the envelope method. You can sync your budget(s) across multiple users&nbsp;and devices.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EWould like to include your partner in your financial planning. Track expenses together and message in-app to discuss spending.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant to track your spending. It has a debt payoff plan to get you back on track.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right budget app for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"280b4abe-1ff6-479d-8ac4-67c69fc92667\" data-edition=\"us\" data-description=\"\u003Cp\u003EChoosing the best budget apps on this list involved a lot of testing and creating many accounts in different apps to compare their features and test their performance. Here are some ways you can narrow down your choices to decide which is best for you:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EFinancial needs:\u003C\u002Fstrong\u003E Consider not only your individual financial needs but also the goals you want to achieve. Do you want to track daily expenses and build an emergency fund? Or are you trying to cut expenses and pay down debt? Are you planning for a big life event you want to save for, like buying a car or a house? These are all things you should consider, as they will shape how you use your budgeting app.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EEase of use:\u003C\u002Fstrong\u003E It's worth testing out different options to determine which user interface you prefer in a budget app. I've been a committed budgeter for years, yet I don't like using the apps that link my bank account, so I prefer apps like Goodbudget, even if I don't use the envelope method in real life. I also like the data that PocketGuard offers, so I have a visual picture of my spending habits. If you like an app that links to your financial account in real time, then you'd do great with other apps like YNAB or Honeydue.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees:\u003C\u002Fstrong\u003E Budgeting apps often charge a fee for their services, whether it is an upfront fee or an ongoing monthly or annual fee. Be sure to review all fees in advance, so you can be sure that you choose the right service for your needs.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these budgeting apps?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e338db83-da68-4ce6-9398-b4683b088f84\" data-edition=\"us\" data-description=\"\u003Cp\u003EA budget&nbsp;app is a mobile service that typically allows you to track your spending and increase your savings.&nbsp; You can typically sync your accounts to view a complete financial portrait, all within a single app. Here, you will find our picks for the best budgeting app for your financial needs.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1a69d0be-f6af-4943-ad92-a9fed6d28064\" data-edition=\"us\" data-description=\"\u003Cp\u003ELike anything else, a budget&nbsp;app only works if you use it regularly. Many apps offer financial tools and resources that can help you reduce your debt and expand your financial worth by providing expense and other reports.\u003C\u002Fp\u003E\" data-hed=\"Do budgeting apps work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"32024c0e-7557-470f-80fe-cb796334ee11\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many finance apps available in the App Store or the Google Play Store. However, not all of them are legit or can successfully help you create a budget. Below, are some other trustworthy budget app options.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are there alternative budget apps worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8d67aba4-0275-4e5c-acdf-5b975aee8be5\" data-edition=\"us\" data-description=\"\u003Cp\u003EView and pay your bills, manage spending, and plan ahead for tax season with Simplifi.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Simplifi by Quicken\" data-imagegroup=\"{"alt":"Simplifi by Quicken","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"645c2b30-681f-4aaa-a628-ad55875d2a1c","title":"Simplifi by Quicken","filename":"quicken.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F645c2b30-681f-4aaa-a628-ad55875d2a1c\u002Fquicken.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3437102,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:05:36","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:05:44","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Simplifi by Quicken","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"645c2b30-681f-4aaa-a628-ad55875d2a1c","imageAltText":"Simplifi by Quicken","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"quicken.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for tax season prep\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2","offerMerchant":"Quicken","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.quicken.com\u002Fpersonal-finance\u002Fquicken-simplifi","url":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2"}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7d1958af-eaf5-4624-976d-780578b41450\" data-edition=\"us\" data-description=\"\u003Cp\u003EEverydollar has features like paycheck planning, saving funds, group financial coaching, and more.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Everydollar\" data-imagegroup=\"{"alt":"Everydollar","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"b6d8a980-c131-4b4c-bc1b-3b051202c247","title":"Everydollar","filename":"every.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fb6d8a980-c131-4b4c-bc1b-3b051202c247\u002Fevery.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2474782,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:04:41","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:04:47","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Everydollar","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"b6d8a980-c131-4b4c-bc1b-3b051202c247","imageAltText":"Everydollar","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"every.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for those new to budgeting\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Everydollar","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ramseysolutions.com\u002Framseyplus\u002Feverydollar","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9e582cbb-ea75-4931-aa8d-7862826d093a\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're looking for an&nbsp;app to help your kids learn how to create budgets and manage chores, BusyKid is a great choice.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"BusyKid\" data-imagegroup=\"{"alt":"BusyKid","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"6040a20a-4424-4d14-a35c-b72465980773","title":"BusyKid","filename":"busykid.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F6040a20a-4424-4d14-a35c-b72465980773\u002Fbusykid.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3081689,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:05:11","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:05:18","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"BusyKid","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"6040a20a-4424-4d14-a35c-b72465980773","imageAltText":"BusyKid","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"busykid.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for parents\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Busykid","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fbusykid.com\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-11-13 19:49:00",timezone:"UTC",updated:c,published:c},description:"Mint may be gone, but there are still many great budget apps that promise to help you set financial goals and save money. We tested that promise to find out which are the best ones.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c77e10c2-d0d1-417d-85e7-a107f681417d",image:{id:"3c394298-d95e-44c2-8bc9-d24bef52f01e",filename:"smart-apps-make-for-smarter-financial-planning-stock-photo.jpg",dateCreated:{created:c,date:"2023-11-10 16:09:57",timezone:"UTC",updated:c,published:c},alt:"Shot of a young man using a smartphone while going over his finances at home",credits:"Katleho Seisa via Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F3c394298-d95e-44c2-8bc9-d24bef52f01e\u002Fsmart-apps-make-for-smarter-financial-planning-stock-photo.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8013,height:4508,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Tech^Services & Software",relatedItems:[]},name:b,promoTitle:"The best budgeting apps: Find the Mint alternative that's right for you",section:b,slug:"best-budget-app",startYear:c,summary:b,title:"The best budgeting apps of 2023",topic:{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"11e2ac47-e5d0-47c8-bc14-7db9da05c41d\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"IR_Stone\u002FGetty Images\" data-image-alt-text=\"Data center room\" data-image-filename=\"gettyimages-1475998284.jpg\" data-image-date-created=\"2023\u002F10\u002F16\" data-image-width=\"2211\" data-image-height=\"1355\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EEquinix has confirmed that a scheduled system upgrade at one of its data centers in Singapore affected the operations of several customers, including two banks. \u003C\u002Fp\u003E\u003Cp\u003EIt led to hours-long disruptions that left ATM and online banking services unavailable over the weekend. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fasian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool\u002F\"\u003EAsian banks are a favorite target of cybercooks, and malicious bots their preferred tool\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EDBS Bank customers, who already had \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-bank-faces-regulatory-action-over-unacceptable-digital-service-outage\u002F\" target=\"_blank\"\u003Eexperienced multiple service disruptions\u003C\u002Fa\u003E in recent months, were unable to access various services on Saturday, including mobile banking and peer-to-peer funds transfer service, PayLah. The bank's ATMs also were down. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ECiti Singapore customers reported similar disruptions, with the bank confirming there were \"issues\" transacting with its ATMs, credit cards, and mobile app, among others. \u003C\u002Fp\u003E\u003Cp\u003EIn subsequent updates on its Facebook profile, DBS said the disruption was caused by an issue with its data center service provider, Equinix.\u003C\u002Fp\u003E\u003Cp\u003E\"We are doing our utmost to swing over to our backup data center and expect to progressively restore services,\" the bank said. By late night on Saturday, it posted an update to notify customers its ATMs had resumed operations, but some services such as its online services remained unavailable. \u003C\u002Fp\u003E\u003Cp\u003EIn an update Sunday morning, DBS said all its services were back up and running. The bank in \u003Ca href=\"https:\u002F\u002Fwww.dbs.com\u002Fnewsroom\u002FFirst_bank_in_Singapore_to_launch_new_cloud_based_data_centre\" target=\"_blank\"\u003E2017 partnered with Equinix\u003C\u002Fa\u003E to move its main data center to smaller \"cloud-optimized\" premises, enabling DBS' to run the facility at 75% cheaper. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-and-data-honing-hyper-personalization-to-build-the-bank-of-the-future\u002F\"\u003EAI and data: Honing hyper-personalization to build the bank of the future\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EZDNET contacted Equinix with questions regarding the service disruption, including why its failover measures and secondary site were unable to prevent the incident, and how many organizations were impacted. \u003C\u002Fp\u003E\u003Cp\u003EIn an email response, an Equinix spokesperson said: \"On Oct. 14, a technical issue with the chilled water system occurred during a planned system upgrade at one of our data centers in Singapore. This raised the temperatures in some of the halls in the data center and impacted some customer's operations. The technical issue has been resolved and we are in contact with impacted customers.\"\u003C\u002Fp\u003E\u003Cp\u003EThe spokesperson said the vendor currently is \"thoroughly investigating\" the incident and will offer more details when these are available. \u003C\u002Fp\u003E\u003Cp\u003EEquinix operates \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fequinix-plans-fifth-singapore-data-centre-as-cloud-demand-climbs\u002F\" target=\"_blank\"\u003Efive data centers in Singapore\u003C\u002Fa\u003E, expanding its \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fequinix-expands-singapore-data-centre-with-86m-investment\u002F\" target=\"_blank\"\u003Efifth last year with an investment of $86 million\u003C\u002Fa\u003E that it said would better meet the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-heats-up-data-centers-with-operating-standards-for-tropical-climates\u002F\" target=\"_blank\"\u003Ecountry's goals\u003C\u002Fa\u003E to have more \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-only-data-centres-that-are-efficient\u002F\" target=\"_blank\"\u003Eefficient facilities\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-10-16 14:58:23",timezone:"UTC",updated:c,published:c},description:"A glitch in a scheduled 'chilled water system' upgrade disrupted operations for Equinix's data center customers, including two banks in Singapore.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a4e5c01c-2de6-438f-942c-206ba4a72a55",image:{id:"11e2ac47-e5d0-47c8-bc14-7db9da05c41d",filename:"gettyimages-1475998284.jpg",dateCreated:{created:c,date:"2023-10-16 14:27:46",timezone:"UTC",updated:c,published:c},alt:"Data center room",credits:"IR_Stone\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F10\u002F16\u002F11e2ac47-e5d0-47c8-bc14-7db9da05c41d\u002Fgettyimages-1475998284.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2211,height:1355,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Business^Data Centers",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"equinixs-data-center-system-upgrade-results-in-hours-long-disruption-at-banks",startYear:c,summary:b,title:"Equinix's data center system upgrade results in hours-long disruption at banks",topic:{id:"10279ab0-ec91-11e3-95d2-02911863765e",slug:"data-centers",name:"Data Centers",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"10279ab0-ec91-11e3-95d2-02911863765e",slug:"data-centers",name:"Data Centers",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"66a8df34-bb8f-4db7-9e72-03aa68123341\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Andrew Brookes\u002FGetty Images\" data-image-alt-text=\"colorful laptop\" data-image-filename=\"gettyimages-1506307783.jpg\" data-image-date-created=\"2023\u002F09\u002F28\" data-image-width=\"2000\" data-image-height=\"1500\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EFinancial institutions are hot favorites among cybercriminals, with those in Asia-Pacific among the most targeted by malicious bot requests and API (application programming interface) attacks. \u003C\u002Fp\u003E\u003Cp\u003EMalicious bot traffic in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fasia-most-targeted-region-in-2021-taking-on-one-in-four-cybersecurity-attacks\u002F\" target=\"_blank\"\u003EAsia-Pacific including Japan\u003C\u002Fa\u003E climbed 128% from last year, as hackers turned to bots for scale, efficiency, and impact. The region was the second-most targeted for malicious bot requests against financial services, accounting for 39.7% of the global total volume, according to Akamai's latest State of the Internet report. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\"\u003EThis data platform will help banks share criminal intelligence\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ESuch attacks include website scraping to impersonate websites of financial services providers for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fransomware-and-phishing-attacks-continue-to-plague-businesses-in-southeast-asia\u002F\" target=\"_blank\"\u003Ephishing scams\u003C\u002Fa\u003E, as well as credential stuffing, during which user credentials such as usernames and passwords are stolen via automated injections to take over accounts. \u003C\u002Fp\u003E\u003Cp\u003EAsia-Pacific Japan also saw a 36% increase in web application and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-gold-rush-makes-basic-data-security-hygiene-critical\u002F\" target=\"_blank\"\u003EAPI attacks\u003C\u002Fa\u003E, clocking more than 3.7 billion attacks over the past year. Local file inclusion, where vulnerabilities in web servers or applications are exploited to gain access to files stored locally, remains the top attack vector, accounting for 63.2% of all attacks. Cross-site scripting was the second-most popular vector, accounting for 21.3% of all attacks, followed by PHP injection at 6.32%. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe Akamai report noted that 92.3% of attacks against the region's financial sector were directed toward banks.\u003C\u002Fp\u003E\u003Cp\u003EThe sector also bore half of all web application and API attacks in Asia-Pacific Japan, followed by the commerce sector at 19.99% and social media at 8.3%. \u003C\u002Fp\u003E\u003Cp\u003EGlobal financial hubs Australia, Singapore, and Japan were the top three most targeted countries in the region, collectively taking on more than three-quarters of all web application and API attacks. \u003C\u002Fp\u003E\u003Cp\u003EAkamai noted that financial services institutions will face increasing risks as they expand their digital footprint to gain competitive ground and reach more customers. As it is, 40% of scripts used by these organizations are \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fapac-firms-need-to-build-trust-brace-for-more-third-party-attacks\u002F\" target=\"_blank\"\u003Ethird-party\u003C\u002Fa\u003E in nature, as they work to develop more channels and improve customer experience. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-security-key\u002F\"\u003EThe best security keys\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"[The region's] financial services sector is one of the most innovative and competitive in the world, [with] financial institutions increasingly turning to third-party scripts to quickly add new offerings, features, and interactive experiences for customers,\" said Reuben Koh, Akamai's Asia-Pacific Japan security technology and strategy director. \u003C\u002Fp\u003E\u003Cp\u003E\"However, businesses usually have limited visibility into the authenticity and potential vulnerabilities of these scripts, introducing yet another layer of risk to the business,\" Koh said. \"Due to this limited visibility of risky third-party scripts, threat actors now have yet another vector to launch attacks against banks and their customers.\"\u003C\u002Fp\u003E\u003Cp\u003EHe noted that with the growing popularity of financial aggregators and companies adopting open banking practices, the sector will be increasingly dependent on the use of APIs and third-party scripts. This will further \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ffirms-fear-software-stack-breach-as-attack-surface-widens\u002F\" target=\"_blank\"\u003Ewiden attack surfaces\u003C\u002Fa\u003E, he cautioned. \u003C\u002Fp\u003E\u003Cp\u003E\"Financial institutions must focus on securing new digital offerings, continuously educating \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-citizens-to-arm-up-take-accountability-for-personal-cyber-hygiene\u002F\" target=\"_blank\"\u003Ecustomers on cyber hygiene\u003C\u002Fa\u003E best practices, and investing in frictionless security measures for users,\" he added. \"As \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-tightens-cyber-defence-guidelines-for-financial-services-sector\u002F\" target=\"_blank\"\u003Eregulators enforce policies to strengthen\u003C\u002Fa\u003E cybersecurity standards, it is also important for financial services organizations to understand and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-moots-bill-to-slap-banks-with-higher-fines-for-security-breach\u002F\" target=\"_blank\"\u003Eaccount for new compliance requirements\u003C\u002Fa\u003E while strengthening their security posture and cyber resilience against modern cyber threats.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\"\u003EThe best VPN services right now: Expert tested and reviewed\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ESingapore is among the regulators that have taken steps to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-all-critical-infrastructures-to-be-ready-for-cyber-threats\u002F\" target=\"_blank\"\u003Ebeef up the digital defense of critical information infrastructures\u003C\u002Fa\u003E, including the financial sector. It \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-pushed-to-introduce-security-measures-amidst-online-banking-scams\u002F\" target=\"_blank\"\u003Eintroduced security measures\u003C\u002Fa\u003E over the past year, following a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\" target=\"_blank\"\u003Eseries of phishing SMS scams\u003C\u002Fa\u003E that had wiped out victims' life savings. \u003C\u002Fp\u003E\u003Cp\u003ESuch measures included the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-tag-unregistered-sms-senders-as-likely-scam\u002F\"\u003ESMS service providers to check against a registry\u003C\u002Fa\u003E before sending through messages and for banks to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003Eprovide a \"kill switch\"\u003C\u002Fa\u003E, allowing customers to quickly suspend their accounts should they suspect a security breach.\u003C\u002Fp\u003E\u003Ch3\u003EMore Singapore banks roll out anti-malware feature\u003C\u002Fh3\u003E\u003Cp\u003EMore recently, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F\" target=\"_blank\"\u003ESingapore banks began introducing\u003C\u002Fa\u003E an anti-malware feature that locks out account access if mobile apps downloaded from unofficial app stores are detected on the user's device. OCBC, which was involved in the phishing scams, was the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-banks-new-app-security-feature-irks-customers\u002F\" target=\"_blank\"\u003Efirst to launch the feature\u003C\u002Fa\u003E last month, but took on some backlash when customers found themselves unable to access their accounts despite only having downloaded legitimate apps onto their devices. \u003C\u002Fp\u003E\u003Cp\u003ETwo other local banks -- DBS and UOB -- this week followed suit, rolling out the anti-malware security feature, restricting customers' access to their respective banking apps if apps from third-party and unauthorized sites are detected. Permission settings deemed \"risky\" that have been enabled on the user's device also will result in restricted access.\u003C\u002Fp\u003E\u003Cp\u003EIn all cases, customers will have to disable such permission settings or uninstall apps identified as unauthorized before they can access their bank's app or digital services.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-trust-and-data-security-are-key-issues-for-finance-firms-and-their-customers\u002F\"\u003EAI, trust, and data security are key issues for finance firms and their customers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn a note to its customers on the new security measures, UOB said: \"We will be restricting access to UOB TMRW app when screen-sharing or when mobile apps with risky permissions are detected, as this may compromise your banking and personal information...These security measures are necessary to protect you from exposure to malware scams. We value your privacy. You can be assured these new features do not monitor your phone activity, collect or store any personal data.\"\u003C\u002Fp\u003E\u003Cp\u003EIf unauthorized apps are detected, an error screen will pop up on UOB customers' devices, highlighting the name of the app, and the session will be terminated. An error message also will be displayed if external apps or tools are detected attempting to access the bank's app. Users will have to stop screen-sharing on the other app or tool, in order to continue using the UOB app. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-09-28 16:36:00",timezone:"UTC",updated:c,published:c},description:"Asia-Pacific is the second-most targeted region for malicious bot requests against financial services, with global hubs Singapore, Australia, and Japan the region's top three most targeted, accounting for the bulk of web application and API attacks.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a344bfbf-aeeb-4b7e-bd5b-c8f441e8d0d0",image:{id:"66a8df34-bb8f-4db7-9e72-03aa68123341",filename:"gettyimages-1506307783.jpg",dateCreated:{created:c,date:"2023-09-28 16:35:57",timezone:"UTC",updated:c,published:c},alt:"colorful laptop",credits:"Andrew Brookes\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F09\u002F28\u002F66a8df34-bb8f-4db7-9e72-03aa68123341\u002Fgettyimages-1506307783.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2000,height:1500,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"asian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool",startYear:c,summary:b,title:"Asian banks are a favorite target of cybercrooks, and malicious bots their preferred tool",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fd151ec-ec91-11e3-95d2-02911863765e",slug:"asean",name:"Asean",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"371a7418-10d6-11e4-9732-00505685119a",username:"sjvn",profileUrl:c,email:c,firstName:"Steven",lastName:"Vaughan-Nichols",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"e2171bd1-84f6-4ca8-9801-2abdeb61a365",filename:"steven-vaughan-nichols.jpg",dateCreated:{created:c,date:"2022-08-05 18:47:37",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fe2171bd1-84f6-4ca8-9801-2abdeb61a365\u002Fsteven-vaughan-nichols.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Steven J. Vaughan-Nichols is a freelance writer and technology analyst. Besides ZDNET, he works with Foundry (Formerly IDG Communications), The Register, The New Stack, and Cathey Communications. He does not own stocks or other investments in any technology company.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"d4b20589-06d1-4e08-b6db-321f8c6a816b\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Klaus Vedfelt\u002FGetty Images\" data-image-alt-text=\"walletygettyimages-1461360968\" data-image-filename=\"walletygettyimages-1461360968.jpg\" data-image-date-created=\"2023\u002F09\u002F20\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBILBAO, Spain - The digital wallet took another step toward world domination as Microsoft joined the horde of tech and financial organizations supporting the \u003Ca href=\"https:\u002F\u002Fopenwallet.foundation\u002F\" target=\"_blank\"\u003EOpenWallet Foundation (OWF)\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003EAt the \u003Ca href=\"https:\u002F\u002Fevents.linuxfoundation.org\u002Fopen-source-summit-europe\u002F\" target=\"_blank\"\u003EOpen Source Summit Europe\u003C\u002Fa\u003E, the OWF, a Linux Foundation-sponsored open-source initiative focused on creating secure and interoperable digital wallets, announced the software giant as its newest member. The move comes alongside significant open-source code contributions from industry leaders Google, \u003Ca href=\"https:\u002F\u002Fwww.pingidentity.com\u002Fen.html\" target=\"_blank\"\u003EPing Identity\u003C\u002Fa\u003E, and \u003Ca href=\"https:\u002F\u002Fneosfer.de\u002Fen\u002F\" target=\"_blank\"\u003Eneosfer\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\"\u003EThe best VPN services: Expert tested and reviewed\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EJust a few years ago, the phrase \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Fnetworking\u002Fthe-e-wallet-how-it-works\u002F\"\u003Edigital wallet\u003C\u002Fa\u003E -- aka, eWallet -- was still a mystery to most of us. Today, digital wallets such as \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-apple-pay-in-stores-and-online\u002F\"\u003EApple Pay\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fgoogle-pay-vs-samsung-pay\u002F\"\u003EGoogle Pay, and Samsung Pay\u003C\u002Fa\u003E are \u003Ca href=\"https:\u002F\u002Fwww.zmescience.com\u002Fscience\u002Fare-digital-wallets-set-to-replace-credit-cards\u002F\" target=\"_blank\"\u003Erapidly replacing credit cards\u003C\u002Fa\u003E and cash for purchases both in the real world and online. This technology isn't simply about contactless payment, though. Digital wallets are replacing driver's licenses, airline boarding passes, and even library cards. \u003C\u002Fp\u003E\u003Cp\u003EEverything you used to do from the wallet in your purse or back pocket can be done now from digital wallets.\u003C\u002Fp\u003E\u003Cp\u003EThe OWF isn't about creating yet another wallet, as OpenWallet founder Daniel Goldscheider explained:\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp\u003E\"It's not going to issue credentials. It's not going to create standards. It is not trying to compete with the \u003Ca href=\"https:\u002F\u002Fopenid.net\u002Ffoundation\u002F\" target=\"_blank\"\u003EOpenID Foundation\u003C\u002Fa\u003E or \u003Ca href=\"https:\u002F\u002Fwww.openidentityexchange.org\u002F\" target=\"_blank\"\u003EThe Open Identity Exchange (OIX)\u003C\u002Fa\u003E for identification trust. Instead, we will use these standards to build a common-core shared software that anyone can use in their wallets.\"\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp\u003EThe goal? To enable all digital wallets to be interoperable. The OWF wants all wallets to be open, secure (of course!), and multipurpose.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAs Marie Austenaa, Visa's head of digital identity, said in her keynote discussion, \"You have everything now on your mobile phone, your tickets, your cars, your boarding pass, your loyalty cards. Behind all that is a digital ecosystem.  Both you and your cards are dependent on a trusted ecosystem. It's a consumer tool to interact with the digital world. So it's pretty important that it uses open source to create an ecosystem that works on open standards.\"\u003C\u002Fp\u003E\u003Cp\u003EWithout that trusted open ecosystem, we'd need to rely on a mixed mess of different programs and protocols. No one wants that.\u003C\u002Fp\u003E\u003Cp\u003EOla Ben Har, Google's developer relations lead for payments, added, \"We must ensure we build highly secure and privacy-preserving solutions. At Google, we're spending a lot of time thinking about how to ensure that we provide the right tools and open-source reference implementations for the ecosystem to accomplish the goal. For example, the Android security team is working very closely with secure element vendors around the world to build open-source, hardware-backed security outlets that can be used for just new and upcoming use cases.\"  \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-trust-and-data-security-are-key-issues-for-finance-firms-and-their-customers\u002F\"\u003EAI, trust, and data security are key issues for finance firms and their customers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EGoogle has contributed its identity credential library code to the OWF. This library, which has been open-sourced since 2020, aids developers in creating applications that align with the \u003Ca href=\"https:\u002F\u002Fwww.iso.org\u002Fstandard\u002F69084.html\" target=\"_blank\"\u003EISO\u002FIEC 18013-5:2021\u003C\u002Fa\u003E mobile driver license specifications. It includes a production-quality example wallet and verifier applications.\u003C\u002Fp\u003E\u003Cp\u003EPing Identity, an OWF foundational member, has pledged to contribute code components covering various protocols and formats. The company indicated it would provide a reference implementation to enhance interoperability with the Ping Identity ecosystem.\u003C\u002Fp\u003E\u003Cp\u003EIn a joint contribution, \u003Ca href=\"https:\u002F\u002Fwww.lissi.id\u002F\" target=\"_blank\"\u003Eneosfer's esatus and Lissi \u003C\u002Fa\u003Eare introducing their multi-platform \u003Ca href=\"https:\u002F\u002Fgithub.com\u002FYuanchengWu\u002Famigo-wallet\" target=\"_blank\"\u003EWallet Framework .NET\u003C\u002Fa\u003E to the OWF. Originating from a collaboration with the German initiative IDunion, this framework empowers .NET developers to create their own digital wallets, aligning with the \u003Ca href=\"https:\u002F\u002Fcommission.europa.eu\u002Fstrategy-and-policy\u002Fpriorities-2019-2024\u002Feurope-fit-digital-age\u002Feuropean-digital-identity_en\" target=\"_blank\"\u003EEuropean Identity Wallet\u003C\u002Fa\u003E initiative's goals.\u003C\u002Fp\u003E\u003Cp\u003EAnd what is Microsoft bringing to the table? \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-airtag-wallet\u002F\"\u003EThe best AirTag wallets: Secure your cash\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EMicrosoft Pay (formerly Microsoft Wallet) is a mobile payment and digital wallet service that never gained much traction. Now, Microsoft is re-entering the eWallet space. \u003C\u002Fp\u003E\u003Cp\u003EVisa's Austenaa said the OWF is very excited about Microsoft joining. She expects we're \"going to hear a lot more from Microsoft. We're going to solve the security challenges across the wallets, which is a key and fundamental problem.\"\u003C\u002Fp\u003E\u003Cp\u003E\"Microsoft has been a strong contributor to open identity standards development for over 10 years,\" added Pamela Dingle, Microsoft's director of identity standards. \"We are excited to expand our commitment to developing best practices for the security, interoperability, and compliance of digital wallets as members of the Open Wallet Foundation.\"\u003C\u002Fp\u003E\u003Cp\u003EIs this going to be a big deal? It sure looks like it. A recent Forbes Advisor survey found that \u003Ca href=\"https:\u002F\u002Fwww.forbes.com\u002Fadvisor\u002Fbanking\u002Fdigital-wallets-payment-apps\u002F\" target=\"_blank\"\u003Eover half (53%) of people are already using digital wallets more often than traditional payment methods\u003C\u002Fa\u003E. Indeed, 51% of users say they would stop shopping with a merchant that doesn't accept eWallet payments.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhy-you-can-still-trust-other-password-managers-even-after-that-lastpass-mess\u002F\"\u003EWhy you can still trust (other) password managers, even after that LastPass mess\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EToday, of those already using digital wallet apps, 69% use PayPal. The next most popular payment options are Google Pay (56%), Apple Pay (53%), and Samsung Pay (52%). Peer-to-peer apps are also popular, with 52% of respondents indicating they use Cash App and 49% using Venmo as a digital payment method. Users primarily access digital wallets via their smartphones (68%) and smartwatches (41%).\u003C\u002Fp\u003E\u003Cp\u003EOWF aims to provide a common platform for all these various payment platforms as well as driver's licenses, passports, and your kid's school photos.  With such high use numbers, especially from younger users, the question isn't whether but when eWallets will replace traditional wallets the same way debit cards replaced checkbooks in your pockets and purses.\u003C\u002Fp\u003E\u003Cp\u003EThe smart money says they'll be dominant by decade's end. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-09-20 18:12:54",timezone:"UTC",updated:c,published:c},description:"OpenWallet, now joined by Microsoft, looks to the near future when digital wallets replace traditional wallets in the same way debit cards replaced checkbooks.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"07302596-5e09-4d8e-a834-497a67eeefd8",image:{id:"d4b20589-06d1-4e08-b6db-321f8c6a816b",filename:"walletygettyimages-1461360968.jpg",dateCreated:{created:c,date:"2023-09-20 16:14:22",timezone:"UTC",updated:c,published:c},alt:"walletygettyimages-1461360968",credits:"Klaus Vedfelt\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F09\u002F20\u002Fd4b20589-06d1-4e08-b6db-321f8c6a816b\u002Fwalletygettyimages-1461360968.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"its-2030-and-digital-wallets-have-replaced-every-card-in-our-purses-and-pockets",startYear:c,summary:b,title:"It's 2030, and digital wallets have replaced every card in our purses and pockets",topic:{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"103a5e4f-ec91-11e3-95d2-02911863765e",slug:"e-commerce",name:"E-Commerce",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1048432a-ec91-11e3-95d2-02911863765e",slug:"enterprise-software",name:"Enterprise Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1050fa4d-ec91-11e3-95d2-02911863765e",slug:"google",name:"Google",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"10c1d40e-ec91-11e3-95d2-02911863765e",slug:"microsoft",name:"Microsoft",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"10f422bf-ec91-11e3-95d2-02911863765e",slug:"open-source",name:"Open Source",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"5d68ddc2-d682-11e4-9a74-d4ae52e95e57",slug:"developer",name:"Developer",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"80536812-3971-4dad-94b0-d2082892465f\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Chris Jongkind\u002FGetty Images\" data-image-alt-text=\"bank vault\" data-image-filename=\"gettyimages-1477846719.jpg\" data-image-date-created=\"2023\u002F08\u002F16\" data-image-width=\"2164\" data-image-height=\"1385\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWith market figures indicating \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwere-you-caught-up-in-the-latest-data-breach-heres-how-to-tell\u002F\" target=\"_blank\"\u003Ecybersecurity attacks are increasing\u003C\u002Fa\u003E in volume and sophistication, it's not surprising that businesses will seek ways to better safeguard their assets. Banks, in particular, want bigger moats since they have more to lose.\u003C\u002Fp\u003E\u003Cp\u003EHowever, fortified defenses inevitably mean legitimate users will have to burrow deeper to get access to services. The result is a perennial debate about finding the right balance between security and usability. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F4-ways-to-avoid-clicking-on-malicious-links-and-the-phishing-and-scams-behind-them\u002F\"\u003E\u003Cstrong\u003E4 ways to avoid clicking malicious links that everyone online should know\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAnd it seems one bank in Singapore might need to address that balance after it introduced a security function that left several of its customers frustrated. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOCBC last week \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-banks-new-app-security-feature-irks-customers\u002F\" target=\"_blank\"\u003Erolled out a feature that locks out access\u003C\u002Fa\u003E to its digital banking services if mobile apps that have not been downloaded from unofficial app stores, such as Google Play Store and Huawei AppGallery, are detected on the user's device. \u003C\u002Fp\u003E\u003Cp\u003ECiting the need to protect customers against malware, the bank said this \"enhancement\" enables its app to identify errant apps on the customer's device. The security feature also checks the permission settings of apps against what the bank deems to present potential risks or that are commonly used by malware-laced apps. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-banks-new-app-security-feature-irks-customers\u002F\" target=\"_blank\"\u003EThis bank's new app security feature irks customers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EWhen apps that do not meet both criteria are detected, customers will not be able to log in to their account via OCBC's mobile app or online-banking site until they uninstall or remove the \"rogue\" apps. \u003C\u002Fp\u003E\u003Cp\u003EThis \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn-router\u002F\" target=\"_blank\"\u003Ehigh level of security\u003C\u002Fa\u003E sounded great -- until complaints started popping up. Customers found themselves locked out, even though apps flagged by the bank's new security feature had actually been downloaded from official app stores. These apps included Microsoft Authenticator, LG ThinQ, CCleaner, and Trend Micro. Even apps that were cleared by customers' own antivirus mobile apps were tagged as risky by the OCBC security feature. \u003C\u002Fp\u003E\u003Cp\u003EAffected customers said the bank's recommended solution of deleting and reinstalling the specific apps from official app stores did not work. \u003C\u002Fp\u003E\u003Cp\u003EFor most cases, OCBC's response was standard -- the new security feature is part of an efforts to combat fraud and \"safeguard our customers\" from suspected malicious apps. \"We apologize for any inconvenience caused,\" it said several times over to irate customers on its Facebook page. \"We seek your patience as this feature is aimed to safeguard customers from malware scams.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\"\u003E\u003Cstrong\u003EThe best VPN services (and tips to choose the right one for you)\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThis situation seems like a case where security has trumped usability. I was relieved, having read the anecdotes of aggrieved OCBC customers, that I had chosen to bank with another firm. But then industry regulator Monetary Authority of Singapore (MAS) stepped up to voice its support for the bank's security feature. \u003C\u002Fp\u003E\u003Cp\u003E\"Security measures will come with some measure of added inconvenience for customers, but they are necessary to maintain security of and confidence in digital banking,\" MAS said. \"Coupled with a vigilant and discerning public, robust security measures will help us strengthen our defense against scams.\"\u003C\u002Fp\u003E\u003Cp\u003EIn view of the regulator's cheerleading role, I'm now anticipating that the remaining two major local banks, including mine, will follow suit some time in the very near future and roll out a similar security \"enhancement\". \u003C\u002Fp\u003E\u003Cp\u003EPerhaps OCBC is serving penance for taking centerstage in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\"\u003Elast year's phishing scams\u003C\u002Fa\u003E, or maybe it lost a game of rock, paper, scissors, and was picked to be the first bank to roll out the security feature -- and, hence, had to bear the brunt of customer ire?\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-protect-and-secure-your-password-manager\u002F\"\u003E\u003Cstrong\u003EHow to protect and secure your password manager\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWhatever the case, OCBC's muddled launch leaves much to be desired and throws up questions that the whole industry, including its regulator, will need to address collectively. \u003C\u002Fp\u003E\u003Ch2\u003EConsumer trust and shared responsibility\u003C\u002Fh2\u003E\u003Cp\u003EFirst, let's get one thing straight. This isn't simply a question of privacy, but of user trust. When things don't work the way they're supposed to work, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-return-data-control-to-users-to-regain-public-trust\u002F\" target=\"_blank\"\u003Etrust will erode\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EUse only apps from official app stores and you're good, OCBC customers were assured. But that approach turned out to be problematic.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Feight-habits-of-highly-secure-remote-workers\u002F\" target=\"_blank\"\u003E8 habits of highly secure remote workers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E'Oh, then your app's permission settings are the issue,' customers were told. However, the bank has remained coy about the details of what these permission settings are, presumably so the bad guys aren't tipped off about how to circumvent these flags. \u003C\u002Fp\u003E\u003Cp\u003EMore generally, the lack of information, and transparency, means users are left wondering what exactly is so wrong with the apps -- apps that they had downloaded from official stores and that were built by legitimate companies. Does that mean the likes of Microsoft, LG, and Trend Micro are releasing apps that contain security risks, as deemed by OCBC?\u003C\u002Fp\u003E\u003Cp\u003EAnd if that isn't the case, does that mean apps are being mistakenly identified by a major bank's security 'enhancement'? A security enhancement that \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\" target=\"_blank\"\u003Eshould have been rigorously checked and tested\u003C\u002Fa\u003E and checked again before it's released to the public? \u003C\u002Fp\u003E\u003Cp\u003EHow much trust, therefore, should consumers put in a security feature that is unable to properly distinguish between legitimate apps and those that carry actual risks? \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso\u003C\u002Fstrong\u003E: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fin-depth\u002Finnovation\u002Fthese-experts-are-racing-to-protect-ai-from-hackers-time-is-running-out\u002F\"\u003E\u003Cstrong\u003EThese experts are racing to protect AI from hackers\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ETo top it off, users are being told their decisions on how they want to operate their devices are invalid. In other words, this security enhancement is implying 'remove your naughty apps or you can't use ours'.\u003C\u002Fp\u003E\u003Cp\u003ESo, when businesses override a customer's decision on how they want their devices to be secured, does it make them fully liable when a breach occurs? I believe it potentially should, since the customer has little say in the apps, including antivirus tools, that they can have on their phone if they wish to continue accessing their bank account.\u003C\u002Fp\u003E\u003Cp\u003EI recently had a similar conversation with some industry folks, during which I mentioned a personal peeve with regards to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-industry-needs-stronger-codes-of-conduct-as-consumer-data-gains-value\u002F\" target=\"_blank\"\u003Eapp permissions\u003C\u002Fa\u003E and organizations' inability, or unwillingness, to explain why they need access to features that are unnecessary to facilitate their services.\u003C\u002Fp\u003E\u003Cp\u003EIt was then suggested to me that the lack of transparency might be buffered by the assurance that these businesses, in their own interests, would not want to develop an app that put their customers at risk, hence, damaging their own brand reputation. \u003C\u002Fp\u003E\u003Cp\u003EI would argue that this stance shouldn't absolve customers from taking responsibility for their own security posture. \u003C\u002Fp\u003E\u003Cp\u003EIn fact, the Singapore government, perhaps to the delight of businesses, has repeatedly emphasized the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-urges-shared-responsibility-in-preventing-online-scams-as-it-readies-liability-framework\u002F\" target=\"_blank\"\u003Econsumers to assume shared responsibility\u003C\u002Fa\u003E in safeguarding their cyber hygiene. \u003C\u002Fp\u003E\u003Cp\u003E\"The ongoing fight against scams requires an ecosystem approach, with all stakeholders playing their part in staying vigilant and guarding against scams,\" \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003EMAS had said\u003C\u002Fa\u003E. The regulator is \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fparliamentary-replies\u002F2023\u002Fwritten-reply-to-parliamentary-question-on-the-framework-for-equitable-sharing-of-losses\" target=\"_blank\"\u003Eworking on a liability framework\u003C\u002Fa\u003E that it says will make clear the roles and responsibilities of financial institutions, telcos, and customers to be vigilant against online scams. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso\u003C\u002Fstrong\u003E: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ffive-easy-steps-to-keep-your-smartphone-safe-from-hackers\u002F\"\u003E\u003Cstrong\u003E5 easy steps to keep your smartphone safe from hackers\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIf consumers are made to assume responsibility, and liability, for their online hygiene, shouldn't they then have the right to make their own decisions on how they can best protect themselves? \u003C\u002Fp\u003E\u003Cp\u003EAnd shouldn't there be more transparency and access to information on how the organizations consumers transact with are securing their services? \u003C\u002Fp\u003E\u003Cp\u003EFor the sake of their customers (and my sanity), I hope the other banks set to follow in OCBC's footsteps have been taking notes and working to ensure they avoid a similarly messy rollout. \u003C\u002Fp\u003E\u003Cp\u003EFor instance, could OCBC have mitigated some of the issues by offering customers a personal 'whitelist' to which they can include apps initially flagged by the bank's security feature? These apps could be checked and assessed against security policies, and added to the whitelist only after they've been ascertained to be safe. \u003C\u002Fp\u003E\u003Cp\u003EBanks could put a cap of, say, three apps in the whitelist, so customers are motivated to prioritize apps that are absolutely necessary and banks can manage the resources needed to facilitate this approach. They can also \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-ai-heres-everything-you-need-to-know-about-artificial-intelligence\u002F\" target=\"_blank\"\u003Euse artificial intelligence tools\u003C\u002Fa\u003E to automate some processes and optimize the app assessment cycle, as well as maintain a repository of approved ones, further reducing the effort required to upkeep the whitelist. \u003C\u002Fp\u003E\u003Cp\u003EAnd if they're not already doing so, banks should be in touch with major app developers, including antivirus software vendors, on how their permission settings may or may not pass their security checklist. That's assuming they, too, are choosing not to divulge specifics behind app permissions they consider to be risky. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fstop-using-your-4-digit-iphone-passcode-in-public-do-this-instead\u002F\"\u003E\u003Cstrong\u003EStop using your 4-digit iPhone passcode in public. Do this instead\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAbove all, the one key question all banks will want to ask themselves is whether they're prepared to take full liability in the event of a security breach, should they choose to override their customers' security choices. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-08-17 08:58:00",timezone:"UTC",updated:c,published:c},description:"When businesses override a customer's security decision, does it make them fully liable when a breach occurs? That's a question banks like those in Singapore need to consider before they roll out their next security feature.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"8a2ff52d-c0d8-4471-a0bc-774050bfcdac",image:{id:"80536812-3971-4dad-94b0-d2082892465f",filename:"gettyimages-1477846719.jpg",dateCreated:{created:c,date:"2023-08-16 20:58:52",timezone:"UTC",updated:c,published:c},alt:"business-on-security-thumb.jpg",credits:"Chris Jongkind\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F08\u002F16\u002F80536812-3971-4dad-94b0-d2082892465f\u002Fgettyimages-1477846719.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2164,height:1385,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"analysis\u002Fopinion",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust",startYear:c,summary:b,title:"Banks defending their right to security are missing the point about consumer trust",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1029c8e8-ec91-11e3-95d2-02911863765e",slug:"data-management",name:"Data Management",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"3b7c20bd-23cb-4db4-aaa3-1936aba2b4cd\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Eugen Barbu\u002F500px\u002FGetty Images\" data-image-alt-text=\"Padlock on credit cards\" data-image-filename=\"gettyimages-1481917164.jpg\" data-image-date-created=\"2023\u002F08\u002F10\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOCBC has left several of its customers frustrated after introducing a security feature that locks out access if mobile apps downloaded from unofficial app stores are detected on the user's device. \u003C\u002Fp\u003E\u003Cp\u003EThe \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Focbc-bank-offers-customers-login-option-with-e-government-app\u002F\" target=\"_blank\"\u003ESingapore bank\u003C\u002Fa\u003E rolled out the security feature on its mobile app early this week, citing the need to protect its customers against malware. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F4-ways-to-avoid-clicking-on-malicious-links-and-the-phishing-and-scams-behind-them\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003E4 ways to avoid clicking malicious links that everyone online should know\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe \"enhancement\" allows its app to identify apps that are not downloaded from official app stores, such as Google Play Store and Huawei AppGallery. The new security feature also checks the permission settings of apps against what the bank deems to present potential risks or that are commonly used in malware-laced apps. \u003C\u002Fp\u003E\u003Cp\u003EWhen apps that do not meet both of the criteria are detected, customers will not be able to log into their account via OCBC's mobile app or online banking site until they uninstall or remove the \"rogue\" apps. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ECustomers who want to continue using these apps are advised to download and reinstall them from official app stores, OCBC said on \u003Ca href=\"https:\u002F\u002Fwww.facebook.com\u002FOCBC.Singapore\" target=\"_blank\"\u003Eits Facebook page\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EOCBC further noted that the new security feature does not monitor its customers' phone activities or conduct surveillance on the mobile device -- neither does it collect nor retain customers' personal data. \u003C\u002Fp\u003E\u003Cp\u003E\"This technology detects apps that are not downloaded from official app stores only when the OCBC Digital app is opened,\" the bank added. \"It does not identify the owner of the device. All it does is to alert customers to apps that could compromise the device to malware scams.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best VPN services (and tips to choose the right one for you)\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"We apologize for any inconvenience caused. We seek your patience as this feature is aimed to safeguard customers from malware scams,\" it said. \u003C\u002Fp\u003E\u003Cp\u003EIts customers, though, were left frustrated after finding themselves unable to access their banking services, prompting several to air their grievances on the bank's Facebook page. These included users who said apps they had downloaded from official app stores were identified as malware by OCBC's security feature. \u003C\u002Fp\u003E\u003Cp\u003EOne such customer said \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-microsoft-authenticator-as-your-password-manager\u002F\" target=\"_blank\"\u003EMicrosoft Authenticator\u003C\u002Fa\u003E was singled out, even though the two-factor authenticator app was published by Microsoft and downloaded from Play Store. The customer added that they still were unable to access OCBC's app even after uninstalling and reinstalling Microsoft Authenticator from the Google app store, as recommended by an OCBC administrator. \u003C\u002Fp\u003E\u003Cp\u003EOthers said apps for their smart home devices, such as LG ThinQ, also were highlighted even though they were downloaded from official app stores. System optimizer apps such as CCLeaner did not make the cut either. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-chatgpt-to-create-an-app\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EHow to use ChatGPT to create an app\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAnother reported that even their Trend Micro antivirus mobile app was flagged since it was not downloaded from an official app store. \u003C\u002Fp\u003E\u003Cp\u003EMost said OCBC's recommended solution of deleting and reinstalling the specific apps from official app stores did not work. \u003C\u002Fp\u003E\u003Cp\u003EOne customer also noted that apps developed out of China appeared to be blocked, even though the apps were not detected as security risks by their own antivirus tool. \u003C\u002Fp\u003E\u003Cp\u003EA customer highlighted the oft-cited need to balance convenience and security, or businesses such as OCBC will risk losing their customers instead. Another put it more plainly: \"What right does OCBC have to decide what we can install?\"\u003C\u002Fp\u003E\u003Cp\u003EAmid the complaints, industry regulator Monetary Authority of Singapore (MAS) released a \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2023\u002Fmas-response-to-media-queries-on-ocbc-security-feature\" target=\"_blank\"\u003Estatement\u003C\u002Fa\u003E voicing its support for the bank's security feature, which it said aims to address risks associated with downloading applications from unauthorized sources, since these may contain malware. \u003C\u002Fp\u003E\u003Cp\u003E\"It is in the nature of new innovations that they may cause unintended inconveniences,\" the regulator said, adding that it would work with banks in Singapore to learn from such experiences so security features can be continuously enhanced. \u003C\u002Fp\u003E\u003Cp\u003EMAS said it had been working with these organizations on measures to combat risks related to malware scams, to which customers increasingly had fallen victim, and \"strongly supports\" banks' initiatives to strengthen the security of digital banking activities.\u003C\u002Fp\u003E\u003Cp\u003EThe regulator noted that the Association of Banks in Singapore also will review the effectiveness of existing anti-scam measures as the threat landscape evolves. \u003C\u002Fp\u003E\u003Cp\u003E\"Security measures will come with some measure of added inconvenience for customers, but they are necessary to maintain security of and confidence in digital banking,\" MAS said. \"Coupled with a vigilant and discerning public, robust security measures will help us strengthen our defence against scams.\"\u003C\u002Fp\u003E\u003Cp\u003EOCBC was the center of a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\"\u003Espate of SMS phishing scams\u003C\u002Fa\u003E last year, which wiped out SG$13.7 million ($10.17 million) from the accounts of 790 customers. Scammers had manipulated SMS Sender ID details to push out messages that appeared to be from OCBC, urging the victims to resolve issues with their bank accounts. They then were redirected to phishing websites and instructed to key in their bank login details, including username, PIN, and One-Time Password (OTP).  \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-protect-and-secure-your-password-manager\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EHow to protect and secure your password manager\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThis prompted the Singapore government to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-step-up-security-measures-in-aftermath-of-phishing-scams\u002F\" target=\"_blank\"\u003Estep up security measures\u003C\u002Fa\u003E to bolster local banking and communications infrastructures, which included the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-tag-unregistered-sms-senders-as-likely-scam\u002F\" target=\"_blank\"\u003ESMS service providers to check against a registry\u003C\u002Fa\u003E before sending through messages. Banks also are expected to develop \"more versatile\" artificial intelligence (AI) models to detect suspicious transactions. \u003C\u002Fp\u003E\u003Cp\u003EIn addition, Singapore banks were instructed to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003Eprovide a \"kill switch,\"\u003C\u002Fa\u003E allowing customers to quickly suspend their accounts should they suspect a security breach.\u003C\u002Fp\u003E\u003Cp\u003EConsumers also were urged to use mobile banking apps, instead of web browsers, to access their accounts in order to minimize the risks of navigating to fraudulent websites. The Singapore government had underscored the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-urges-shared-responsibility-in-preventing-online-scams-as-it-readies-liability-framework\u002F\" target=\"_blank\"\u003Ecustomers to assume responsibility for their own cyber hygiene\u003C\u002Fa\u003E by taking \"necessary precautions.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-08-11 13:33:00",timezone:"UTC",updated:c,published:c},description:"OCBC introduces a security feature that locks out access if it detects mobile apps downloaded from unofficial app stores on the user's phone. The bank cites the need to safeguard against malware, but is instead frustrating customers.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"0a452783-bbc8-47d7-916a-b8579e5765bf",image:{id:"3b7c20bd-23cb-4db4-aaa3-1936aba2b4cd",filename:"gettyimages-1481917164.jpg",dateCreated:{created:c,date:"2023-08-10 14:03:34",timezone:"UTC",updated:c,published:c},alt:"Padlock on credit cards",credits:"Eugen Barbu\u002F500px\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F08\u002F10\u002F3b7c20bd-23cb-4db4-aaa3-1936aba2b4cd\u002Fgettyimages-1481917164.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"this-banks-new-app-security-feature-irks-customers",startYear:c,summary:b,title:"This bank's new app security feature irks customers",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"10cdea3b-ec91-11e3-95d2-02911863765e",slug:"mobile-os",name:"Mobile OS",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1147b242-ec91-11e3-95d2-02911863765e",slug:"smartphones",name:"Smartphones",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"1af71b42-6ccb-4b0b-98c8-7582f5885964\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"fotograzia\u002FGetty Images\" data-image-alt-text=\"Coding 1s and 0s\" data-image-filename=\"gettyimages-1317329028.jpg\" data-image-date-created=\"2023\u002F07\u002F06\" data-image-width=\"2309\" data-image-height=\"1299\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EHuman error has been identified as the cause of DBS Bank's hours-long service outage in May this year but unrelated to a previous disruption in March. \u003C\u002Fp\u003E\u003Cp\u003EIn the May 5 incident, the Singapore bank's customers were unable to access their online and mobile banking services, including DBS' mobile wallet PayLah. ATM (automated teller machines) services also were impacted. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-identity-theft-protection-and-credit-monitoring-service\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best identity theft protection and credit monitoring services\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAffected services were restored after 6.5 hours, with DBS then attributing the disruption to a \"systems issue.\" The service outage was the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-bank-faces-regulatory-action-over-unacceptable-digital-service-outage\u002F\" target=\"_blank\"\u003Ebank's second in two months\u003C\u002Fa\u003E and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fdbs-bank-offers-few-details-about-hours-long-service-disruption\u002F\" target=\"_blank\"\u003Ethird in just over a year\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EIn its rebuke of the bank, the Monetary Authority of Singapore (MAS) described the multiple disruptions as \"unacceptable\" and short of the regulator's expectation for banks to deliver reliable customer services. \u003C\u002Fp\u003E\u003Cp\u003EHuman error now has been identified as the cause of the May 5 outage, according to a written parliamentary reply by Tharman Shanmugaratnam, Senior Minister and Minister in charge of MAS. \u003C\u002Fp\u003E\u003Cp\u003ECiting the bank's preliminary investigation into the incident, Tharman said the error was found in software used for system maintenance and had resulted in a \"significant reduction\" in system capacity. This affected its ability to process online and mobile banking, electronic payment, and ATM transactions. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-budget-app\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best apps for planning your budget\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E \u003C\u002Fp\u003E\u003Cp\u003EThe error was unrelated to the earlier service outage in March 2023, which DBS said was due to inherent software bugs, Tharman revealed. \u003C\u002Fp\u003E\u003Cp\u003EThe bank had set up a special board committee following the March incident to lead the investigations into the cause and a review of DBS's IT resilience. \u003C\u002Fp\u003E\u003Cp\u003EWhen the May disruption occurred, MAS instructed the committee to extend its review to include the latest incident and to engage qualified independent third parties for the review. \u003C\u002Fp\u003E\u003Cp\u003EDBS would provide further details on the disruptions following the completion of the review, Tharman said. \u003C\u002Fp\u003E\u003Cp\u003E\"MAS requires all retail banks in Singapore to ensure their mission-critical systems supporting digital banking are resilient. This includes having the ability to recover quickly from any system disruptions,\" the minister said. He noted that banks were subject to regular inspections and off-site reviews by MAS to ensure their \"adherence to regulatory requirements and expectations.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fthe-single-best-way-to-protect-yourself-against-credit-card-fraud\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe single best way to protect yourself against credit card fraud\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn a separate parliamentary reply on the use of OTP (One-Time Password) for online transactions, Tharman said Singapore banks were directed to phase out the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-pushed-to-introduce-security-measures-amidst-online-banking-scams\u002F\" target=\"_blank\"\u003Euse of SMS\u003C\u002Fa\u003E OTP as the only factor for authenticating high-risk transactions. These included online banking activities such as changing of fund transfer limits and adding payees, as well as online card payments. \u003C\u002Fp\u003E\u003Cp\u003EThe move is part of the country's efforts to adopt a \"multi-layered\" \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-tag-unregistered-sms-senders-as-likely-scam\u002F\" target=\"_blank\"\u003Estrategy to combat scams\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003EMAS, though, currently sees no need to mandate that banks provide customers a way to opt out of SMS OTPs, since this will limit the banks' authentication toolkit, according to Tharman. Doing so also will dilute the effectiveness of a multi-layered security approach to safeguard customers, he said. \u003C\u002Fp\u003E\u003Cp\u003E\"When used in combination with other authentication factors such as biometrics or digital tokens, SMS OTP provides an additional layer of security that fraudsters have to overcome,\" he noted. \"SMS OTP is an authentication method that is accessible by all customers, as it can be received on any type of mobile device. It allows all customers to perform low-risk activities, such as viewing of account balance and paying bills, conveniently without the need for an additional device.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-add-a-credit-card-as-a-bitwarden-vault-item-and-why-you-should\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EHow to add a credit card as a Bitwarden vault item and why you should\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ERemoving this form of authentication completely would exclude a significant number of online banking customers who might not own mobile devices capable of installing digital tokens, he added. \u003C\u002Fp\u003E\u003Cp\u003ESingapore earlier this year began \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-tag-unregistered-sms-senders-as-likely-scam\u002F\" target=\"_blank\"\u003Etagging SMS messages\u003C\u002Fa\u003E sent from businesses not on the Singapore SMS Sender ID Registry (SSIR) as \"Likely-SCAM.\" Registering with the SSIR allows organizations to use alphanumeric Sender IDs when they push out SMS messages to customers. \u003C\u002Fp\u003E\u003Cp\u003EThe move better safeguards consumers against potential scams as well as facilitates tracking when scam messages are sent to local mobile users, said industry regulator Infocomm Media Development Authority (IMDA). Scam cases initiated via SMS accounted for some 8% of scam reports in the second quarter of last year, compared to 10% in 2021. Since the registry was set up last March, the number of SMS scams had dipped by 64% between fourth quarter 2021 and second quarter 2022, IMDA said. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-07-06 14:34:07",timezone:"UTC",updated:c,published:c},description:"The coding error in a software used for system maintenance had resulted in DBS Bank's hours-long service outage in May, but unrelated to another outage in March.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"b613f436-630a-491f-ae24-88a0961f506a",image:{id:"1af71b42-6ccb-4b0b-98c8-7582f5885964",filename:"gettyimages-1317329028.jpg",dateCreated:{created:c,date:"2023-07-06 14:29:26",timezone:"UTC",updated:c,published:c},alt:"Coding 1s and 0s",credits:"fotograzia\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F07\u002F06\u002F1af71b42-6ccb-4b0b-98c8-7582f5885964\u002Fgettyimages-1317329028.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2309,height:1299,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"human-coding-error-identified-as-cause-of-digital-bank-service-outage",startYear:c,summary:b,title:"Human coding error identified as cause of digital bank service outage",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1048432a-ec91-11e3-95d2-02911863765e",slug:"enterprise-software",name:"Enterprise Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"ca172f13-5d55-4590-8e36-881d3e94fb78\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EBased on proposed common protocols, purpose-bound money is designed to work with different ledger technology and forms of money.\u003C\u002Fp\u003E\" data-image-credit=\"Eugene Mymrin\u002FGetty Images\" data-image-alt-text=\"Abstract colorful finance chart\" data-image-filename=\"gettyimages-1455952012.jpg\" data-image-date-created=\"2023\u002F06\u002F21\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAmazon will join banks and fintech players participating in various pilot use cases to test the use of \"purpose-bound\" digital money. \u003C\u002Fp\u003E\u003Cp\u003ESpecifically, the US e-commerce giant will work with Fazz and Grab to offer escrow arrangements for online retail orders, where payment will be released to merchants only after customers receive their purchases. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Famazon-prime-day-is-official-find-major-sales-on-tech-and-more-july-11\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EAmazon Prime Day is official: July 11-12 for major tech sales and more\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe trial is one of several to be rolled out in Singapore, following the release of a technical whitepaper that details the concept of purpose-bound money. The document proposes software prototypes that specify conditions for the use of digital money, such as central bank digital currencies (CBDCs), \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-to-pilot-digital-asset-trading-with-blockchain-tokenisation\u002F\" target=\"_blank\"\u003Etokenized bank deposits\u003C\u002Fa\u003E, and stablecoins on a distributed ledger, according to the Monetary Authority of Singapore (MAS), which published the whitepaper.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWith purpose-bound money, senders can specify conditions such as the validity period and types of stores when transfers are made across different systems. \u003C\u002Fp\u003E\u003Cp\u003E\"Purpose-bound monies are bearer instruments, which are transferrable on a peer-to-peer basis without intermediaries,\" the whitepaper notes. \"[They] contain digital money as a store of value and programming logic denoting its use based on programmed conditions. Once the conditions are met, digital money is released, and it becomes unbounded once again.\"\u003C\u002Fp\u003E\u003Cp\u003EThe whitepaper details a four-tiered technology stack used in a digital asset-based network, including an access layer and a platform layer. The programming logic of purpose-bound money, for instance, is characterized as a service, while digital money sits on the asset layer. When digital money is bound, it moves between the service and asset layers. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-budget-app\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best apps for planning your budget: Rocket Money, Mint, and more\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EBased on the proposed common protocols, purpose-bound money is designed to work with different ledger technology and forms of money. This standardized format will enable users to access digital money using the e-wallet provider of their choice, MAS said. \u003C\u002Fp\u003E\u003Cp\u003EThe Singapore central bank said the whitepaper comprises technical specifications that detail the digital money's lifecycle, spanning issuance to redemption, as well as the protocol to interface with digital currencies backing it. The document also contains business and operating models outlining how arrangements can be programmed, so that money is transferred only when service obligations or terms of use have been fulfilled. \u003C\u002Fp\u003E\u003Cp\u003EAvailable via MAS' website, \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002F-\u002Fmedia\u002Fmas-media-library\u002Fdevelopment\u002Ffintech\u002Fpbm\u002Fpbm-technical-whitepaper.pdf\" target=\"_blank\"\u003Ethe whitepaper\u003C\u002Fa\u003E was developed in collaboration with the International Monetary Fund, Banca d'Italia, and Bank of Korea, alongside various financial institutions and fintech firms, including OCBC Bank, Onyx by J.P. Morgan, and DBS Bank. Amazon, Fazz, and Grab also contributed to the whitepaper.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fchatgpt-is-trouncing-money-managers-and-is-destined-to-turn-the-investing-world-upside-down\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EChatGPT outperforms money managers, as Americans flock to AI for investing advice\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EFazz and Grab will participate in another trial with three other financial institutions to test the use of purpose-bound money in facilitating cashback and other incentives to customers. This pilot use case aims to reduce friction for merchants, such as manual reconciliation of sales proceeds and time needed to onboard new sales campaigns. \u003C\u002Fp\u003E\u003Cp\u003EThe whitepaper further supports MAS' Project Orchid, under which source codes and software prototypes are released for public access, as part of efforts to drive the development and adoption of digital money. Governments, financial institutions, and organizations can tap \u003Ca href=\"https:\u002F\u002Fgithub.com\u002FPurposeBoundMoney\u002FPBM\" target=\"_blank\"\u003Ethe open source codes\u003C\u002Fa\u003E and prototypes to facilitate their own research and experiments, MAS said. \u003C\u002Fp\u003E\u003Cp\u003EThe industry regulator in May last year also unveiled \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-to-pilot-digital-asset-trading-with-blockchain-tokenisation\u002F\" target=\"_blank\"\u003Eplans to pilot asset tokenization\u003C\u002Fa\u003E and assess the feasibility of autonomous trading, using smart contracts powered by blockchain.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6a422265-8bf4-464a-ab25-f14a401bc29f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6a422265-8bf4-464a-ab25-f14a401bc29f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-06-21 19:50:00",timezone:"UTC",updated:c,published:c},description:"The e-commerce giant will work with fintech players on a trial to test the use of \"purpose-bound\" digital money, where merchants will receive payment only after customers receive their purchases.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"3e5f2b39-1059-456e-b592-995581f25e3e",image:{id:"ca172f13-5d55-4590-8e36-881d3e94fb78",filename:"gettyimages-1455952012.jpg",dateCreated:{created:c,date:"2023-06-21 20:24:07",timezone:"UTC",updated:c,published:c},alt:"Abstract colorful finance chart",credits:"Eugene Mymrin\u002FGetty Images",caption:"\u003Cp\u003EBased on proposed common protocols, purpose-bound money is designed to work with different ledger technology and forms of money.\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F06\u002F21\u002Fca172f13-5d55-4590-8e36-881d3e94fb78\u002Fgettyimages-1455952012.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"amazon-to-test-escrow-service-in-digital-money-pilot",startYear:c,summary:b,title:"Amazon to test escrow service in digital money pilot",topic:{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fb7a83c-ec91-11e3-95d2-02911863765e",slug:"amazon",name:"Amazon",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"103a5e4f-ec91-11e3-95d2-02911863765e",slug:"e-commerce",name:"E-Commerce",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"10e82452-721b-4fd0-8a89-b784a26b9882\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Getty Images\u002Fd3sign\" data-image-alt-text=\"woman working on laptop\" data-image-filename=\"gettyimages-1390598561.jpg\" data-image-date-created=\"2023\u002F05\u002F10\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EA data platform is being built to allow banks operating in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-pitches-new-law-to-slow-spread-of-cybercrime\u002F\" target=\"_blank\"\u003ESingapore to share intelligence\u003C\u002Fa\u003E on customers who are potentially involved in criminal activities. \u003C\u002Fp\u003E\u003Cp\u003EThe move is part of the country's efforts to bolster its defenses \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fcriminals-are-starting-to-exploit-the-metaverse-says-interpol-so-police-are-heading-there-too\u002F\" target=\"_blank\"\u003Eagainst financial crimes\u003C\u002Fa\u003E, including money laundering, terrorism funding, and financing of weapons of mass destruction, according to the Monetary Authority of Singapore (MAS). \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ffive-easy-steps-to-keep-your-smartphone-safe-from-hackers\u002F\" target=\"_blank\"\u003EFive easy steps to keep your smartphone safe from hackers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EDubbed COSMIC, the data platform is currently being jointly developed with six major banks, including DBS, UOB, Standard Chartered, Citibank, and HSBC. \u003C\u002Fp\u003E\u003Cp\u003EIt will plug current gaps where, due to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fonline-security-101-how-to-protect-your-privacy-from-hackers-spies-and-the-government\u002F\" target=\"_blank\"\u003Econfidentiality requirements\u003C\u002Fa\u003E, financial institutions are unable to alert each other about unusual activities involving their customers. This gap enables criminals to carry out illicit transactions through different financial institutions to avoid detection, said Singapore's Minister of State for Trade and Industry Alvin Tan, who also is a MAS board member. \u003C\u002Fp\u003E\u003Cp\u003EHis comments were made Tuesday during the second reading of the Financial Services and Markets (Amendment) Bill in parliament. The proposed amendments to the Bill will permit the sharing of information and establish the legal framework to facilitate information exchange via the data platform. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-protect-and-secure-your-password-manager\u002F\" target=\"_blank\"\u003EHow to protect and secure your password manager\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ETan said the amended Bill outlines when and how such sharing of customer risk data can take place. The Bill also provides the legal and operational safeguards to ensure the confidentiality of information that is shared and the interests of legitimate customers. He said the amendments incorporate feedback from public consultation on COSMIC, adding that the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbig-on-data-always-and-forever\u002F\" target=\"_blank\"\u003Edata platform\u003C\u002Fa\u003E will make it easier for financial institutions to detect and deter criminal activity.\u003C\u002Fp\u003E\u003Cp\u003EThe platform will be deployed in phases and is expected to be operational from the second half of next year. In the initial phase, sharing of information between MAS and the six banks will be voluntary. \u003C\u002Fp\u003E\u003Cp\u003EThis phase will enable the platform to obtain operational stability and for MAS, alongside the participating financial institutions, to fine-tune its features and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmanagement-tips-four-ways-to-deal-with-conflict-in-your-team\u002F\" target=\"_blank\"\u003Eresolve operational concerns\u003C\u002Fa\u003E, Tan said. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwe-are-still-failing-to-learn-the-most-important-lesson-in-cybersecurity-that-needs-to-change-fast\u002F\" target=\"_blank\"\u003EWe are still failing to learn the most important lesson in cybersecurity\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EAccess to the data platform will be expanded to more financial institutions eventually, with more focus on other risk areas. For the initial phase, COSMIC will focus on three areas: trade-based money laundering; misuse of legal persons, such as the abuse of shell companies; and financing and evasion of international sanctions. The sharing of data will also be made mandatory in higher-risk situations, the minister noted.\u003C\u002Fp\u003E\u003Cp\u003E\"COSMIC will allow participant financial institutions to share with one another information, on a confidential basis, on customers whose profile or behavior exhibits potential financial crime concerns,\" Tan said.\u003C\u002Fp\u003E\u003Cp\u003E\"Such risk information could include 'red flag' behaviors and details of the concerning transaction. Sharing on COSMIC would provide a recipient financial institution with better information to augment its risk understanding of a customer, thus, enabling the financial institution to detect suspicious behavior more accurately and expediently.\"\u003C\u002Fp\u003E\u003Cp\u003EFinancial institutions might use data on the platform to determine if a financial transaction is legitimate. If a transaction is assessed and suspected to involve criminal activities, a report on the customer must be submitted to the relevant authorities under existing laws.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fcybersecurity-teams-are-reaching-their-breaking-point-we-should-all-be-worried\u002F\" target=\"_blank\"\u003ECybersecurity teams are reaching their breaking point. We should all be worried\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EMAS will have access to all information shared on COSMIC, which Tan said is necessary to help the industry regulator monitor processes and ensure participating financial institutions are using the platform appropriately. \u003C\u002Fp\u003E\u003Cp\u003E\"As the owner of the platform, MAS will ensure COSMIC information is exchanged and stored securely,\" the minister said. \"The platform will have robust controls, including \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-tightens-cyber-defence-guidelines-for-financial-services-sector\u002F\" target=\"_blank\"\u003Ecybersecurity measures\u003C\u002Fa\u003E, such as data encryption and firewalls to block unauthorized external access. It will also have strict user access limitations. These controls will be subject to periodic audits to ensure their efficacy.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fin-depth\u002Finnovation\u002Fthese-experts-are-racing-to-protect-ai-from-hackers-time-is-running-out\u002F#link={%22linkText%22:%22%3Cstrong%3EThese%20experts%20are%20racing%20to%20protect%20AI%20from%20hackers.%20Time%20is%20running%20out%20%3C\u002Fstrong%3E%22,%22target%22:%22_blank%22,%22href%22:%22https:\u002F\u002Fwww.zdnet.com\u002Fin-depth\u002Finnovation\u002Fthese-experts-are-racing-to-protect-ai-from-hackers-time-is-running-out\u002F%22,%22role%22:%22standard%22,%22absolute%22:%22%22}\"\u003EThese experts are racing to protect AI from hackers. Time is running out\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EParticipating financial institutions will be \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-moots-bill-to-slap-banks-with-higher-fines-for-security-breach\u002F\" target=\"_blank\"\u003Erequired to maintain\u003C\u002Fa\u003E robust data \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-step-up-security-measures-in-aftermath-of-phishing-scams\u002F\" target=\"_blank\"\u003Ecybersecurity measures\u003C\u002Fa\u003E for COSMIC, including having systems and processes in place to prevent unauthorized use. They will also be expected to implement cybersecurity and encryption measures to protect data obtained from COSMIC. \u003C\u002Fp\u003E\u003Cp\u003EFinancial institutions also are not permitted to disclose information obtained via the data platform to third-party organizations, except in specific circumstances, such as fulfilment of court orders or following police requests to facilitate investigations. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"02e0bbff-86ed-4288-bee3-69282ce80f89\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F02e0bbff-86ed-4288-bee3-69282ce80f89\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today - US\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-05-11 10:53:01",timezone:"UTC",updated:c,published:c},description:"Singapore is developing a digital platform to enable six major banks, including Citibank and Standard Chartered, to exchange data on customers involved in potentially illegal financial activities.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"fe126d9d-97d6-4dcf-b918-74e71b71cb1d",image:{id:"10e82452-721b-4fd0-8a89-b784a26b9882",filename:"gettyimages-1390598561.jpg",dateCreated:{created:c,date:"2023-05-10 20:47:29",timezone:"UTC",updated:c,published:c},alt:"Data",credits:"Image: Andriy Onufriyenko \u002F Getty Images",caption:"\u003Cp\u003E \u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F05\u002F10\u002F10e82452-721b-4fd0-8a89-b784a26b9882\u002Fgettyimages-1390598561.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"this-data-platform-will-help-banks-share-criminal-intelligence",startYear:c,summary:b,title:"This data platform will help banks share criminal intelligence",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1029c8e8-ec91-11e3-95d2-02911863765e",slug:"data-management",name:"Data Management",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eileen.yu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EAlibaba's founder Jack Ma will cede control of its fintech affiliate, Ant Group, as part of changes the company says aim to improve its corporate governance and transparency. \u003C\u002Fp\u003E\u003Cp\u003EThe \"adjustment\" to the shareholding structure will see changes to the voting rights of its major shareholders, including Ma, according to a \u003Ca href=\"https:\u002F\u002Fwww.antgroup.com\u002Fen\u002Fnotices\u002F1\" target=\"_blank\"\u003Estatement\u003C\u002Fa\u003E released Saturday by \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fant-groups-digital-bank-makes-singapore-debut-with-focus-on-smbs\u002F\" target=\"_blank\"\u003EAnt\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EThe Chinese fintech company said Ma holds a controlling stake and voting rights via Hangzhou Junhan Equity Investment Partnership and Hangzhou Junao Investment Partnership. Hangzhou Yunbo Investment Consultancy is the general partner of both investment firms, which together hold 53.46% of Ant shares. \u003C\u002Fp\u003E\u003Cp\u003EMa owns 34% equity interests in Hangzhou Yunbo, while other major shareholders Eric Xiandong Jing, Simon Hu, and Fang Jiang hold 22% shares each. All are linked via an agreement to \"act in concert\" with regards to their voting rights, with Ma the controlling vote, in matters concerning Ant.\u003C\u002Fp\u003E\u003Cp\u003EThis will no longer be the case following the changes, which will see Ma, Jing, Hu, and Fang relinquishing their arrangement to act in concert when exercising their voting rights. \u003C\u002Fp\u003E\u003Cp\u003EHangzhou Yunbo Investment also will exit its partnership with Hangzhou Junhan, decoupling the links between Ant's two investors, while another investment group Hangzhou Xingtao Enterprise Management Consultancy will fill the gap. Ma also has equity interests in Hangzhou Xintao. \u003C\u002Fp\u003E\u003Cp\u003EWhen completed, the restructure will mean no single shareholder--working alone or with another shareholder--have the power to control the outcome of general meetings, Ant said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that none of its 10 major shareholders will have the power to nominate the majority of its board and, hence, will not be able to have control over the company. \u003C\u002Fp\u003E\u003Cp\u003EAlibaba's shares climbed 8.7% on Monday following news of the shareholder changes. \u003C\u002Fp\u003E\u003Cp\u003EAnt in November 2020 \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fant-group-suspends-hong-kong-and-shanghai-ipos-following-chinese-regulatory-disapproval\u002F\" target=\"_blank\"\u003Epulled back plans for an IPO\u003C\u002Fa\u003E in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Falibabas-ant-financial-plans-shanghai-hong-kong-ipos\u002F\" target=\"_blank\"\u003EShanghai and Hong Kong\u003C\u002Fa\u003E after regulators found the company did not fulfil requirements to do so. \u003C\u002Fp\u003E\u003Cp\u003EThe latest restructure is part of various initiatives it rolled out since 2021, to \"optimise\" its corporate governance and establish \"long-term sustainable development\", Ant said in its statement. These included bumping up the number of independent directors to four, accounting for half of incumbent members on the organisation's board, An additional fifth independent director also will be appointed, which means independent directors will form the majority of its board, according to Ant. \u003C\u002Fp\u003E\u003Ch3\u003ERELATED COVERAGE\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fant-groups-digital-bank-makes-singapore-debut-with-focus-on-smbs\u002F\" target=\"_blank\"\u003EAnt Group's digital bank makes Singapore debut with focus on SMBs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Falibaba-slapped-with-record-2-7b-antitrust-fine\u002F\" target=\"_blank\"\u003EAlibaba slapped with record $2.7B antitrust fine\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fant-group-suspends-hong-kong-and-shanghai-ipos-following-chinese-regulatory-disapproval\u002F\" target=\"_blank\"\u003EAnt Group suspends Hong Kong and Shanghai IPOs following Chinese regulatory disapproval\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Falibabas-ant-financial-plans-shanghai-hong-kong-ipos\u002F\" target=\"_blank\"\u003EAlibaba's Ant Group plans Shanghai, Hong Kong IPOs\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-01-09 12:09:11",timezone:"UTC",updated:c,published:c},description:"Ant Group says Alibaba Group's founder Jack Ma will no longer have controlling voting rights over the fintech company following the completion of changes to improve governance and transparency.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"64c133a2-2e7e-4d77-acbd-77ebcd5eec4a",image:{id:"aea03c22-fec1-4c45-9251-d9423bfc1b85",filename:"digital-banking-fintech-concept-finance.jpg",dateCreated:{created:c,date:"2021-07-19 09:49:12",timezone:"UTC",updated:c,published:c},alt:"digital-banking-fintech-concept-finance.jpg",credits:"PhonlamaiPhoto\u002F Getty",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F19\u002Faea03c22-fec1-4c45-9251-d9423bfc1b85\u002Fdigital-banking-fintech-concept-finance.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:900,height:600,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"jack-ma-to-cede-control-of-alibabas-fintech-business-in-shareholder-revamp",startYear:c,summary:b,title:"Jack Ma to cede control of Alibaba's fintech business in shareholder revamp",topic:{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"87ec6ace-0121-41fb-b122-922dab341f69",slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"10108f95-ec91-11e3-95d2-02911863765e",slug:"china",name:"China",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eileen.yu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EAustralia is beefing up its scrutiny of Medibank and will assess if further regulatory action is necessary, following a data breach that impacted 9.7 million customers. The insurance group also has pledged to share the outcome of an external review into the breach, which is believed to be the work of Russian hackers. \u003C\u002Fp\u003E\u003Cp\u003ENoting that \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmedibank-wont-pay-ransom-as-more-stolen-data-shows-up-on-dark-web\u002F\" target=\"_blank\"\u003Ethe breach\u003C\u002Fa\u003E raised concerns about the robustness of Medibank's operational risk controls, the Australian Prudential Regulation Authority (APRA) said Monday it had \"intensified\" its supervision of Medibank. Consulting firm Deloitte had been brought in to examine the security incident as well as Medibank's response and effectiveness of its controls. \u003C\u002Fp\u003E\u003Cp\u003EThe financial services regulator said it would determine if further \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Faustralia-seeks-stiffer-penalty-for-data-breaches-amidst-spate-of-security-incidents\u002F\" target=\"_blank\"\u003Eregulatory action\u003C\u002Fa\u003E was necessary when findings of the external review were established. \u003C\u002Fp\u003E\u003Cp\u003EAPRA Member Suzanne Smith said: \"APRA expects Medibank to undertake any recommended remediation actions and ensure there is appropriate consequence management, including impacts to executive remuneration where appropriate.\"\u003C\u002Fp\u003E\u003Cp\u003EThe government agency added that it would further intensify supervision of all entities that failed to comply with the country's \u003Ca href=\"https:\u002F\u002Fwww.apra.gov.au\u002Fsites\u002Fdefault\u002Ffiles\u002Fcps_234_july_2019_for_public_release.pdf\" target=\"_blank\"\u003EInformation Security Prudential Standard CPS 234\u003C\u002Fa\u003E, which outlined measures they must take to remain resilient against cybersecurity incidents. \u003C\u002Fp\u003E\u003Cp\u003E\"Recent cyber attacks reinforce the need for ongoing vigilance and focus by boards on operational resilience,\" Smith said. \"They are a stark reminder for boards to ensure they can answer these fundamental questions: Do you know what data you are holding? Do you know where it is? How do you know it is safe? And do you need to retain it? \u003C\u002Fp\u003E\u003Cp\u003E\"Cybersecurity is a highly significant risk area for all regulated entities and we remind banks, insurers and superannuation funds to remain vigilant in order to protect their beneficiaries and the Australian community,\" she added. \u003C\u002Fp\u003E\u003Cp\u003EIn response, Medibank CEO David Koczkar said Monday it had been in consultation with APRA on the scope of the external review, which it had commissioned Deloitte to undertake. \u003C\u002Fp\u003E\u003Cp\u003E\"We will share the key outcomes and consequences of the review, where appropriate, having regard to the interests of our customers and stakeholders and the ongoing nature of the Australian Federal Police (AFP) investigation,\" Koczkar said. \u003C\u002Fp\u003E\u003Cp\u003EThe police earlier this month said hackers based in Russian were responsible for the breach, adding that it was working on \"covert measures\" with its international networks, including the Interpol.\"\u003C\u002Fp\u003E\u003Cp\u003EAFP Commissioner Reece Kershaw \u003Ca href=\"https:\u002F\u002Fwww.afp.gov.au\u002Fnews-media\u002Fmedia-releases\u002Fstatement-afp-commissioner-reece-kershaw-medibank-private-data-breach\" target=\"_blank\"\u003Esaid\u003C\u002Fa\u003E: \"Our intelligence points to a group of loosely affiliated cybercriminals, who are likely responsible for past significant breaches in countries across the world. These cybercriminals are operating like a business with affiliates and associates who are supporting the business. We also believe some affiliates may be in other countries.\"\u003C\u002Fp\u003E\u003Cp\u003EAdding that his team knew but were not revealing the identifies of the people behind the attack, Kershaw said ongoing investigations were focused on all parties involved. \"What I will say is that we will be holding talks with Russian law enforcement about these individuals,\" he said. \u003C\u002Fp\u003E\u003Cp\u003EAFP has oversight of the Australian Interpol National Central Bureau, which has direct contact with National Central Bureau Moscow. \u003C\u002Fp\u003E\u003Cp\u003EKershaw noted that Interpol National Central Bureaus could ask for cooperation from any other National Central Bureau in investigations that went beyond local borders. \"It is important to note that Russia benefits from the intelligence-sharing and data shared through Interpol, and with that comes responsibilities and accountability,\" he said.\u003C\u002Fp\u003E\u003Cp\u003EMedibank has posted updates on data compromised in the breach that have popped up on a dark web forum. In a November 20 statement, it confirmed another four files containing 1,496 records were released online, including 123 records from files previously released by the hackers. \u003C\u002Fp\u003E\u003Cp\u003EKoczkar said the company would not pay any ransom, based on the advice of cybercrime experts and belief there was only a limited chance doing so would prevent its customers' data from being published. \"Paying could have the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmost-firms-face-second-ransomware-attack-after-paying-off-first\u002F\"\u003Eopposite effect\u003C\u002Fa\u003E and encourage the criminal to directly extort our customers, and there is a strong chance that paying puts more people in harm's way by making Australia a bigger target,\" he said. \u003C\u002Fp\u003E\u003Cp\u003EThe Australian government this month passed a legislation to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Faustralia-seeks-stiffer-penalty-for-data-breaches-amidst-spate-of-security-incidents\u002F\"\u003Eincrease financial penalties for data privacy\u003C\u002Fa\u003E violators, pushing up maximum fines for serious or repeated breaches to AU$50 million ($32.34 million), from its current AU$2.22 million, or three times the value of any benefit obtained through the data misuse, or 30% of the company's adjusted turnover in the relevant period, whichever is greater. \u003C\u002Fp\u003E\u003Ch3\u003ERELATED COVERAGE\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Faustralia-sees-rise-in-cybercrimes-on-back-of-destructive-ransomware-state-actors\u002F\" target=\"_blank\"\u003EAustralia sees rise in cybercrimes on back of 'destructive' ransomware, state actors\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmedibank-wont-pay-ransom-as-more-stolen-data-shows-up-on-dark-web\u002F\" target=\"_blank\"\u003EMedibank won't pay ransom as more stolen data shows up on dark web\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Faustralia-seeks-stiffer-penalty-for-data-breaches-amidst-spate-of-security-incidents\u002F\"\u003EAustralia seeks stiffer penalty for data breaches amidst spate of security incidents\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Faustralia-moots-changes-to-privacy-laws-after-optus-data-breach\u002F\"\u003EAustralia moots changes to privacy laws after Optus data breach\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Faustralia-government-wants-optus-to-pay-for-data-breach\u002F\"\u003EAustralia government wants Optus to pay for data breach\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-11-28 08:44:56",timezone:"UTC",updated:c,published:c},description:"Financial services regulator says it has \"intensified\" its supervision of Medibank following a data breach that impacted 9.7 million customers and believed to be the work of Russian hackers.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"d23f6935-f255-48e6-a2ac-1b7539ecbe31",image:{id:"1697151f-389b-479a-ad56-3d1f465a831a",filename:"istock-473158924.jpg",dateCreated:{created:c,date:"2019-02-11 18:53:16",timezone:"UTC",updated:c,published:c},alt:"Padlock to represent computer security breach",credits:"Getty Images\u002FiStockphoto",caption:"\u003Cp\u003Esecurity lock with a hole on computer circuit board - computer security 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