post image

What Is Penalty APR? + How to Avoid It

A penalty annual percentage rate (APR) is a heightened interest rate that can be issued if a person misuses their credit card—especially if done often.

Credit Tools

Credit report card

Free credit score and credit report snapshot

Get your free score

Calculators

Tools to help you take control of your financial goals

Calculate your savings

Free credit repair assessment

Ensure you have an accurate credit report

Learn more

All blog posts

What Is Penalty APR? + How to Avoid It
Credit 101

What Is Penalty APR? + How to Avoid It

A penalty annual percentage rate (APR) is a heightened interest rate that can be issued if a person misuses their credit card—especially if done often.

Kaitlyn Brown

Is 720 a Good Credit Score?
Credit 101

Is 720 a Good Credit Score?

720 is a good credit score, but what exactly does that mean? Read on to discover what types of loans you can get and how to further improve your credit.

Nikkita Walker

How Much Car Can I Afford?
Auto Loans

How Much Car Can I Afford?

Interested in purchasing a new vehicle but not sure how much you can afford? Read on to learn how to calculate your auto budget and your purchase options.

Kaitlyn Brown

2023 Review: Capital One Spark Cash Plus
Credit Card Reviews

2023 Review: Capital One Spark Cash Plus

Learn more about Capital One Spark Cash Plus and the cash back rewards it offers.

Nikkita Walker

2023 Review: Capital One Spark Cash Select
Credit Card Reviews

2023 Review: Capital One Spark Cash Select

Learn more about the Capital One Spark Cash Select credit card and the cash back rewards and special perks it has to offer.

Nikkita Walker

2023 Review: Capital One Venture X Rewards Credit Card
Credit Card Reviews

2023 Review: Capital One Venture X Rewards Credit Card

Learn more about the Capital One Venture X Rewards credit card and the benefits and perks it has to offer.

Nikkita Walker

2023 Review: Capital One Platinum Credit Card 
Credit Card Reviews

2023 Review: Capital One Platinum Credit Card 

Learn more about the Capital One Platinum credit card and how it can help you build your credit and boost your credit score.

Nikkita Walker

2023 Review: Chase Freedom Unlimited®
Miscellaneous

2023 Review: Chase Freedom Unlimited®

2023 Review: Chase Freedom Unlimited®

Nikkita Walker

How Much to Spend on Rent: 3 Strategies
Budgeting

How Much to Spend on Rent: 3 Strategies

When budgeting, you might wonder how much to spend on rent. While 30% of your income is standard, read on for other effective strategies.

stacy

How Do Credit Card Miles Work?
Credit Cards

How Do Credit Card Miles Work?

Discover how credit card miles work and learn how to effectively earn and redeem credit card miles to maximize your benefits.

Kaitlyn Brown

Top contributors

All contributors