My tried and true method that I’ve developed after years and years of roasting pumpkin seeds. It wouldn’t be Halloween in our house without these Perfect Roasted Pumpkin Seeds.


Can you use a cell phone as a credit card?

Radio technology will soon do another consolidating act and remove an apparently extraneous “device” from your pocket: Your wallet. Or at least your credit card. If you’re the type who never leaves home without your cell phone, you’ll automatically have a credit card or debit card with you wherever you go thanks to an improvement on standard RFID technology called near-field communication, or NFC.

The NFC mobile-payment application is currently in trials in the United States, Germany, Finland, the Netherlands and a few other countries, with transportation ticketing as a primary use (think SpeedPass on a cell phone). The idea is that you just touch your phone to an NFC reader (or bring it to within a few centimeters), and it acts just like the credit card or debit card you use right now. A mobile-payment-enabled phone is associated with a bank or credit-card company just like it’s associated with a phone-service provider. The technology is similar to the RFID (radio frequency identification) transmitters used in contactless credit cards (see How Blink Technology Works), except that NFC chips allow for two-way communication instead of only one way, which is supposed to make for a more secure payment method.

The technology behind NFC, like RFID, uses inductive coupling to transfer data. Induction occurs when a wire (or any other conductor of electricity) passes through a magnetic field, generating an electric current in the wire. It’s similar to the principal of electromagnetism — that passing an electric current through a coil of wire will generate a magnetic field — only in reverse. An NFC chip has a coil of wire built into it, much like an RFID chip. When an NFC-equipped cell phone gets to within a few centimeters of an NFC-equipped payment station, which is generating a magnetic field and also has a coil of wire inside, an electric current jumps between the two coils of wire, signaling data-carrying, short-range radio waves to pass between the two devices.

Unlike the RFID tags in contactless credit cards, which only send information when asked for it, an NFC chip can also receive information. So when an NFC phone gets close to an NFC payment station, it can have a two-way conversation with the payment station. Instead of simply sending your name and credit card number when the data is requested via the circuit, the chip can have a conversation with the chip in the requesting device. It can say, for instance, “Not yet — wait until my owner enters a password on my keypad.” The pay station will then say, for instance, “Okay, I’ll wait,” and the devices will keep the connection open until the phone approves the transaction and sends the data.

Nokia revealed the first fully integrated NFC phone, the Nokia 6131 NFC, at the 2007 Consumer Electronics Show (CES) in Las Vegas. At CES, Nokia was in a perfect position to show off what some in the industry consider to be the myriad other applications for an NFC phone — like sucking data off an NFC-equipped business card and downloading data from an NFC-equipped kiosk. The NFC chip is embedded underneath the cover of the phone. According to the NFC forum, you could also use an NFC phone to unlock the door to your house and synch your phone calendar with your PC calendar.

The 6131 NFC is in trials in New York City as of January 2007. Nokia says it should available to consumers by March. No word yet on which stores or transportation venues will be equipped with the sta­ndardized NFC readers.

If you’re interested in where cell phone technology is headed, then click here to read about the future of smartphones.

For more information on mobile phones as payment methods and other NFC applications, check out the next page.­


This cream of broccoli soup is a shockingly easy and delicious soup.  It’s ready in just 25 minutes and is so flavorful, you wont even believe it doesn’t have cream.  So simple, yet so yummy!

If you’re like me, you usually have at least a head or two of fresh broccoli sitting in your fridge.  Broccoli is amazingly easy to cook, roast, stir fry, and is also delicious and kid-friendly.


NerdWallet’s Best No Balance Transfer Fee Credit Cards of 2019

Finding a balance transfer credit card with a low introductory interest rate is easy — but getting one that won’t charge you a 3% to 5% fee for moving your debt over can be a real challenge. If you’re trying to pay down credit card debt, a fee-free card can help you do it faster.

Before we get to our recommendations, there are a few things you should know:

  • Credit unions and regional banks offer many good fee-free cards, but they require membership. In some cases, it might be more difficult to get a card with one of these smaller issuers unless you live in a certain state or are affiliated in some way with a certain company or organization.
  • A 0% intro APR on transfers could be more valuable. If you can get both a 0% introductory balance transfer APR and no balance transfer fee, great. But if you have to choose one or the other, a card with a long 0% intro APR period might ultimately save you more money, especially if you need a year or more to pay down your debt. For more recommendations, check out our best balance transfer credit cards.
  • Most credit card companies don’t allow same-issuer transfers. That is, if your debt is with American Express, for example, you can’t move it to another American Express card.

Amex EveryDay® Credit Card

$0 Balance Transfer Fee. Balance transfers must be requested within 60 days of account opening. Introductory 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 15.24% – 26.24% Variable APR. $0 annual fee. 

Benefits of the Amex EveryDay® Credit Card:

  • Comes with ongoing rewards and a welcome offer, which is unusual for good balance transfer cards. The offer: Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months. Terms Apply.
  • Features a generous introductory 0% APR offer.
  • No balance transfer fees; however, transfers must be requested within 60 days of account opening.
  • Annual fee of $0. (This offer is no longer valid on our site.)
  • Terms apply.

Drawbacks of the Amex EveryDay® Credit Card:

  • The ongoing rewards are mediocre. While it’s nice that this card offers rewards at all, it’s worth keeping in mind that it earns only a modest 2 points per dollar spent at U.S. supermarkets, on up to $6,000 per year in purchases, and 1 point per dollar spent on other purchases.
  • Terms apply.

Bottom line:

For cost-conscious folks paying off debt, the Amex EveryDay® Credit Card is a clear winner. Aside from offering features that allow cardholders to pay off debt interest-free and fee-free within the promotional time period, it also comes with rewards and a welcome offer, a rarity among top-notch balance transfer cards.

BankAmericard® credit card

If you apply directly through Bank of America®, the balance transfer fee is $0 for the first 60 days your account is open, and the introductory 0% APR period is 15 billing cycles. Balance transfer fee: Either $10 or 3% of the amount of each transaction, whichever is greater. Introductory APR of 0% on Purchases and Balance Transfers for 18 billing cycles, and then the ongoing APR of 15.24% – 25.24% Variable APR. The annual fee is $0.  

Benefits of the BankAmericard® credit card:

  • Comes with a long introductory 0% APR offer.
  • No balance transfer fees for the first 60 days of account opening, if you apply directly through the Bank of America® website (rather than through NerdWallet or other third-party sites).
  • Annual fee of $0.

Drawbacks of the BankAmericard® credit card:

  • Doesn’t offer rewards.

Bottom line:

While the BankAmericard® credit card doesn’t offer rewards, its many debt-busting features still make it a strong choice. To take advantage of the version without the balance transfer fee, be sure to apply directly through the Bank of America® website. The version offered through NerdWallet offers different terms.

PenFed Promise Visa® Card

No balance transfer fees. Creditworthy applicants can qualify for 4.99% promotional rate for 12 months on transfers made now through September 30, 2019, and then the ongoing APR of 11.99% – 17.99% Variable. The annual fee is $0.

Benefits of the PenFed Promise Visa® Card:

  • Features a low promotional rate for balance transfers for creditworthy applicants.
  • Comes with a sign-up bonus: $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • No balance transfer fees.
  • Annual fee of $0.

Drawbacks of the PenFed Promise Visa® Card:

  • Doesn’t offer an introductory 0% APR period.
  • Doesn’t offer rewards (aside from sign-up bonus).
  • Requires membership for application.

Bottom line:

For those looking to sidestep fees, the PenFed Promise Visa® Card is your card. It doesn’t charge balance transfer fees, late fees, cash advance fees or foreign transaction fees — and its annual fee is $0. You can qualify for PenFed Credit Union membership if you’re active or retired U.S. military and uniformed services, employed by a qualifying organization, or related to other members, among other ways.

Navy Federal Credit Union® Platinum Credit Card

No balance transfer fees. Comes with 0% on Balance Transfers for 12 months, and then the ongoing APR of 8.24% – 18.00% Variable. The annual fee is $0.

Benefits of the Navy Federal Credit Union® Platinum Credit Card:

  • Comes with a solid introductory 0% APR period.
  • No balance transfer fees.
  • Annual fee of $0.

Drawbacks of the Navy Federal Credit Union® Platinum Credit Card:

  • Doesn’t offer rewards.
  • The application comes with membership requirements.

Bottom line:

The introductory 0% APR period on the Navy Federal Credit Union® Platinum Credit Card, combined with its lack of balance transfer and annual fees, can make it a standout for paying off debt. Membership is generally available to military service members, civilian Department of Defense government employees and family members of those who are eligible.

Aspire Platinum Rewards Mastercard®

No balance transfer fees on amounts transferred in the first six months. Comes with 0% for 6 months on balance transfers, and then the ongoing APR of 10.90% – 18.00% Variable. The annual fee is $0.

Benefits of the Aspire Platinum Rewards Mastercard®:

  • Comes with an introductory 0% APR period.
  • No balance transfer fees applied to transfers made in the first six months.
  • Annual fee of $0.
  • Comes with a small sign-up bonus: 5,000 Bonus Rewards Points after spending $2,000 in the first 3 months You can qualify for the bonus by transferring balances, too.

Drawbacks of the Aspire Platinum Rewards Mastercard®:

  • The application comes with membership requirements.
  • You can find cards with longer intro APR periods.

Bottom line:

The Aspire Platinum Rewards Mastercard® features a rare combination of perks that makes it a go-to card for paying down debt for less, including a sign-up bonus (one that can be earned by transferring balances!), an introductory 0% APR offer, an annual fee of $0 and an introductory $0 balance transfer fee. Membership is generally available to employees of certain companies and the immediate family of existing members. You can also become a member by joining the Marine Mammal Stranding Center.

SunTrust Prime Rewards Credit Card

No balance transfer fee when you transfer a balance within the first 60 days of account opening. After that, the fee is 3% of the balance transferred or $10, whichever is greater. Get a 3 year introductory offer at Prime Rate (currently 5.50% variable APR) on balance transfers made in the first 60 days after account opening. Variable 13.49%–23.49% APR thereafter. The annual fee is $0.

Benefits of the SunTrust Prime Rewards Credit Card:

  • Features a low promotional rate that lasts for three years (subject to credit approval).
  • Comes with a sign-up bonus: $100 in statement credit after you spend $500 on qualifying purchases, in the first 3 months after account opening.. Also has a rewards rate of 1% cash back on everything.
  • No balance transfer fee when you transfer a balance within the first 60 days of account opening.
  • Annual fee of $0.

Drawbacks of the SunTrust Prime Rewards Credit Card:

  • Doesn’t offer an introductory 0% APR period.
  • Ongoing rewards are mediocre. To be sure, it’s rare to see rewards at all on good balance transfer cards — so in this regard, it still has an advantage over some other cards.
  • The application comes with geographic restrictions.

Bottom line:

The SunTrust Prime Rewards Credit Card‘s low-interest introductory promotion is the longest we’ve seen. For folks who need plenty of breathing room to pay down balances, it’s a solid deal — even though it lacks an introductory 0% APR period. If you have an account with SunTrust, you can apply for this card from any state in the U.S. except for Vermont, according to the issuer. But if you’re not an account holder, the issuer will accept applications only from 11 states and Washington, D.C.

Information related to the Amex EveryDay® Credit Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.


This Lemon Drop Martini has been a favorite of mine since I first wandered into a bar in college. When made well, it is the perfect combination of bitter and sweet. It is everything you are looking for in a vodka martini. This is such an easy cocktail to make, whether it is for a party with friends, or for a quiet Friday date night at home, make this Lemon Drop Martini! It is made with only three ingredients – vodka, freshly squeezed lemon, and simple syrup.


Best Credit Cards For Travel Miles 2019 – $750 In Rewards

Finding the best credit cards for travel miles can help you can save money and earn travel miles for future trips. Applying for the best credit cards for miles can also be very lucrative upfront, especially with bonuses over $750 in rewards like the Chase Sapphire Preferred has. If you’re a frequent or casual traveler, consider adding one of the following best miles credit cards to your wallet even if you’re looking for one of the best airline credit cards. That’s because you can earn travel rewards that can be transferred to multiple airline miles with these top credit cards even if they aren’t co-branded with an airline.

Here are the best credit cards for travel miles:

  • Winner of Best Credit Card for Travel Miles: Chase Sapphire Preferred
  • 2x miles on all purchases: Capital One Venture Rewards Credit Card
  • 4x points on dining: American Express Gold
  • Best for frequent travelers: Chase Sapphire Reserve
  • Bank of America members: Bank of America Travel Rewards
  • Best airline miles credit card: American Express Platinum

Overall Best Credit Card for Travel Miles: Chase Sapphire Preferred

The Chase Sapphire Preferred credit card comes with a tremendous sign-up bonus of 60,000 points after spending $4,000 in the first three months. The 60,000 points you earn are worth $750 in travel through Chase’s travel portal, or they can be worth even more if you transfer them out to loyalty partners like United, Southwest, or Hyatt. The Chase Sapphire Preferred has been my favorite credit card for travel miles for the last few years. Some of the best credit cards for travel rewards are ones who aren’t co-branded with an airline and give you the option to transfer your points out to multiple airlines like the Sapphire Preferred does.

You will also earn 2x points per $1 on travel and restaurants worldwide. There is a $95 annual fee.

Many online reviews of this card refer to it as the top travel rewards credit card out there. And it was just named “Best Credit Card for Flexible Travel Redemption” – Kiplinger’s Personal Finance, June 2018. The Sapphire Preferred has been a card I’ve held in my wallet for some time.

Other Chase Sapphire Preferred Benefits

  • There are no foreign transaction fees.
  • Account holders that book their travel through Chase Ultimate Rewards receive 25% more value. Travel expenditures include airfare, hotels, car rentals, and cruises.
  • 1:1 points transfer to participating frequent travel programs. Participating programs include British Airways Executive Club, Flying Blue AIR FRANCE KLM, Korean Air SKYPASS, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards®, United MileagePlus®, Virgin Atlantic Flying Club, IHG® Rewards Club, Marriott Rewards®, The Ritz-Carlton Rewards® and World of Hyatt.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is one of the best credit cards for travel rewards miles simplicity above everything else. If you aren’t loyal to a particular airline or hotel chain, this may be the card for you. You can redeem your miles for any travel purchases, but don’t have the flexibility to transfer them out to travel partners (you didn’t until now). You also will earn 2x miles on all purchases regardless of the category.

Other Capital One Venture Benefits

  • New account holders will earn 50,000 miles after spending $3,000 within the first three months. After that, account holders earn unlimited two miles per dollar spent on every purchase.
  • This card also offers the flexibility to book your own travel through any website or app, and benefits can go towards any airline, hotel, or rental car company.
  • There are no foreign transaction fees.
  • No blackout dates for air travel.

To redeem your miles, you can book award travel. Or, you can also use their purchase eraser to redeem your miles for travel statement credits on recent travel purchases. The recent additions to the Capital One Venture card have made it more appealing for travelers.

Flexible Miles Card: American Express Gold Card

One particularly unique benefit offered by the American Express Gold Card is the $120 dining credit and 4x points per $1 at U.S. restaurants and supermarkets. This best travel credit card for miles is perfect for those travelers that want flexibility and spend on restaurant and supermarket purchases. You also receive a $100 annual airline incidental credit and 3x points per $1 on airline purchases directly from airlines. You can earn even more airlines miles on flight tickets with Amex PRG than many of the best airline credit cards.

Best Premium Credit Card for Travel Miles: Chase Sapphire Reserve

The Chase Sapphire Reserve is hands down one of the best rewards credit cards available for anyone that travels more than once or twice per year, especially for airline miles lovers. It offers a 50,000 Ultimate Reward point sign-up bonus (worth at least $750, but easily quite a bit more) and offers 3 points per dollar spent on travel and dining purchases. This Sapphire Preferred credit card also comes with a $300 per year annual travel credit, Global Entry/TSA PreCheck credit, Priority Pass Lounge access, travel insurance, and more. All of these benefits go a long way to offsetting the card’s $450 annual fee, but the Sapphire Reserve card may not be worth it for infrequent travelers.

Like the Sapphire Preferred you can transfer your points to several airlines making it a great credit card for airline miles even though it’s technically not an airline credit card.

Again, here’s a break down of the travel benefits:

  • $300 annual travel credit
  • Priority Pass airport lounge membership
  • 50% point redemption bonus for air travel
  • 1:1 transfers to airline and hotel partners
  • Special benefits with the Luxury Hotel & Resorts Collection
  • Earn 3 points per $1 on all travel and dining purchases

You also have the chance to earn 50,000 bonus Chase Ultimate Rewards points as a signup bonus. These points are worth up to $750 in award travel.

Bank of America Travel Rewards Credit Card

The Bank of America Travel Rewards Credit Card is a basic credit card for travelers looking for no foreign transaction fees and an EMV chip for no annual fee. This no annual fee credit card doesn’t compare with the rewards on the new premium Bank of America travel credit card.

Consumers with an existing bank account with Bank of America can see higher rewards rates depending upon their existing balance. Those holding $50,000 or more in their account will receive a points bonus that puts their rewards rates up to 2.25% – 2.63%. In general, existing account holders get an additional 10% customer points on average, which increases to a 25% – 75% bonus for Preferred Rewards clients.


  • 2o,000 online bonus points if you make at least $1,000 in purchases within the first three months of account opening. This translates to a $200 statement credit towards travel purchases.
  • No website and blackout date restrictions.
  • Unlimited 1.5% points per $1 on all purchases and points don’t expire.
  • No annual fee for everyday spending.
  • No foreign transaction fees and EMV trip for security when traveling abroad.
  • Higher than average rewards for existing Bank of America account holders.
  • Required credit score and initial spending threshold are lower than average.


  • Sub-par benefits (1.5% rewards rate) unless you are an existing Bank of America account holder. For non-Bank of America account holders that are bigger spenders and have excellent credit, other cards would offer better rewards.

Best Airline Credit Cards

Choosing the best airline miles credit cards can help you maximize your airline travel.

Best Airline Credit Card Perks: Gold Delta SkyMiles Credit Card

There are actually four Delta credit cards, but the Gold Delta SkyMiles Credit Card is an excellent option for casual travelers that want to earn SkyMiles, free checked bags, and priority boarding.

You will get 2 SkyMiles for every Delta purchase and 20% in-flight discount. All remaining purchases earn 1 point per $1 spent. Another valuable Delta travel benefit is that you and eight travel companions get your first checked bag free.

As a new cardholder, you can also earn 35,000 bonus SkyMiles and a $50 statement credit as a signup bonus. And, American Express waives the $95 annual fee for the first year too.

Best Miles Credit Card for Airline Purchases: Platinum Card from American Express

The Platinum Card from American Express is probably the best premium travel rewards card for airline purchases. There are two reasons why the Amex Platinum is the best airline miles credit card:

  • Earn 5x points on airfare purchased directly from the airline or
  • Transfer your points on a 1:1 basis to multiple frequent flyer programs

Some of the American Express Membership Rewards travel partners include Delta, Emirates, Etihad, and JetBlue. You can also enjoy the following premium air travel benefits:

  • $200 air travel credit for checked bags and in-flight purchases
  • Global Entry or TSA Precheck application fee reimbursement
  • Complimentary access to airport lounge networks include Priority Pass, Delta Sky Club, and The Centurion
  • Unlimited Boingo wifi hotspot access
  • $200 in annual Uber credits
  • Exclusive benefits at FINE hotels and resorts
  • 1:1 point transfers to Membership Rewards airline and hotel transfer partners

As a new cardholder, you can earn 60,000 bonus Membership Rewards points worth $600 in award travel.

For business travelers, you might consider the American Express Business Platinum instead. You get a 50% bonus on purchases larger than $5,000. Plus, you still enjoy free airport lounge access and the $200 airline fee credit too.

The Amex Platinum has an annual fee of $550, so make sure you will use the benefits to offset the fee.

Co-Branded Airlines Credit Card: Citi/AAdvantage Platinum Select

After a few benefit upgrades, the Citi/AAdvantage Platinum Select is a competitive offering if you fly American Airlines. Some of the American Airlines credit card benefits include:

  • 2x miles on American Airlines, dining, and gas station purchases
  • 10% point redemption bonus (up to 10,000 points annually)
  • $100 American Airlines credit after spending $20,000 in a card membership year
  • 25% in-flight purchase discount
  • Free checked bag for you and up to four travel companions

Select award flights start at 7,500 American Airlines miles which makes American one of the most affordable ways to fly across the United States.

Simple Miles Credit Card: Barclaycard Arrival Plus

If you’re looking for an even simpler card, the Barclaycard Arrival Plus is a great choice. It offers a sign-up bonus of Arrival Miles and 2 miles per dollar spent on all purchases. Arrival Miles won’t give you the same ability to maximize value that Ultimate Rewards and other types of points will, but they do offer extreme simplicity! Simply redeem your miles for a statement credit against any travel booking you have made with the card.

You can review the best credit cards for travel miles of 2019 here:

  • Chase Sapphire Preferred: Overall Best Credit Card for Travel Miles
  • 2x miles on all purchases: Capital One Venture
  • 3x points on flights: American Express Gold
  • Best for frequent travelers: Chase Sapphire Reserve
  • Ideal for Bank of America members: Bank of America Travel Rewards

Soft & Chewy Oatmeal Raisin Cookies

Soft and chewy with that trademark homemade flavor, these are the best soft and chewy oatmeal raisin cookies. Made with brown sugar, vanilla, cinnamon, chewy oats, sweet raisins, and a secret ingredient, this recipe wins for flavor and texture. Your family will love these easy oatmeal raisin cookies!

There are two types of people in this world. Raisin haters and raisin lovers. I fall into the latter category. Besides homemade apple pie, oatmeal raisin cookies are my favorite dessert. There’s something incredibly magical about their chewy texture, soft centers, plump raisins, and cinnamon flavor. Please tell me I’m not the only raisin lover!!


Business Line of Credit: How It Works and Best Options

A business line of credit provides flexibility that a regular business loan doesn’t. With a business line of credit, you can borrow up to a certain limit — say, $100,000 — and pay interest only on the portion of money that you borrow. You then draw and repay funds as you wish, as long as you don’t exceed your credit limit. A line of credit is similar to how credit cards work.

Need to manage cash flow? Buy inventory? Pay for a surprise expense? Then a business line of credit makes sense.

How a business line of credit works

A business line of credit differs from a term loan, which provides a one-time lump sum of cash upfront, repaid over a fixed period, or term.

With a line of credit, you can keep reusing and repaying it as often as you’d like, as long as you make payments on time and don’t exceed your credit limit. Most lenders allow you to repay your full balance early to save on interest costs.

Line of credit borrowing limits — ranging from $1,000 to $250,000 — are smaller than a term loan.

Business lines of credit with lower credit limits are typically unsecured, which means collateral such as real estate or inventory is not required.

How to qualify for a business line of credit

Most traditional lenders, such as banks, require businesses to have strong revenue and at least a few years of history to qualify for a line of credit. Larger lines of credit may require collateral, which can be seized by the lender if you fail to make payments.

To apply, lenders typically require the following documentation: personal and business tax returns, bank account information and business financial statements, such as profit-and-loss statements and a balance sheet.

Online business lenders typically have looser qualifications than banks. However, these lenders are also likely to charge higher rates than banks and may have lower credit limits.

At a minimum, you’ll need at least six months in business and $25,000 in annual revenue to qualify for a business line of credit. Although some lenders don’t set a minimum credit score, borrowers most likely will need a score of 500 or higher to qualify.

Business line of credit up to $100,000

Here are our recommendations for business lines of credit from online lenders, based on maximum credit limit:

Fundbox, StreetShares and OnDeck offer business lines of credit up to $100,000 for short-term financing needs.

Fundbox is a solid option if your company is getting started because you can qualify after just three months in business. The company has no minimum credit score requirements and requires $50,000 or more in revenue.

If you want lower rates, StreetShares is a better option, but you need at least a year in business to qualify. Like Fundbox, the lender requires a minimum of $25,000 in annual revenue. An important caveat: Your maximum credit limit cannot exceed 20% of your annual business revenue. For example, a business with $100,000 in annual revenue could be approved for up to $20,000.

OnDeck is a good option if you want fast funding. You can get financing as quickly as 24 hours after approval. You need a minimum 600 credit score, at least one year of business history and $100,000 in revenue.

Kabbage works best if you need fast funding for short-term needs and you have poor credit. The lender requires a minimum credit score of 560, at least $50,000 in annual revenue and one year in operation to qualify. Kabbage’s annual percentage rates are higher than other options.

BlueVine is a better option if you can qualify for its lower rates. You’ll need a minimum credit score of 600, six months in operation and at least $120,000 in annual revenue to qualify for its six-month line of credit repayment option. Qualifying is even tougher with its 12-month line of credit, which requires a minimum credit score of 620, two years in operation and at least $450,000 annual revenue.

Business credit cards

Business credit cards are also lines of credit, but differ from a traditional business line of credit in several ways.

A business line of credit provides a higher credit limit, may be secured by collateral and provides actual cash to your bank account when you make a draw. You can get cash through a business credit card, but you’ll be charged fees and a higher APR to do so. Other common fees for business credit cards include annual fees and late-payment fees.

Business credit cards work best for smaller ongoing expenses and for newer businesses without established finances, while a business line of credit works best for larger ongoing expenses and more mature businesses.

Just like personal credit cards, business credit cards can provide rewards or cash back for spending. Rewards are typically related to business expenses, such as office supplies, gas, internet and cable. They may also offer 0% interest promotions, which allow you to pay no interest on your balance for a specific time period after signing up for the card.

Find and compare small-business financing

To compare other types of small-business financing, check out NerdWallet’s loan comparison tool. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.


Chocolate Lasagna with layers of chocolate cookie crust, cream cheese, chocolate ganache, pudding, and whipped cream. It’s so easy to make and will be a hit every time. It’s like biting into a soft, fluffy chocolate cloud on top of a cookie crust.

During the warm summer months, no one wants to start up an oven, right? Right! This dessert is no-bake including the chocolate cookie crust. The crust firms up from the butter while it’s sitting in the fridge. Talk about the perfect summer dessert!


Usury Laws and Limits on Credit Card Interest Rates

Federal law does not mandate interest rate limits for credit cards, but credit card companies must follow certain federal rules under the Credit Card Accountability, Responsibility, and Disclosure Act of 2009 (Credit CARD Act). Some, but not all, states have “usury” laws that limit the interest a lender may charge on a debt. However, federal court decisions and statutes have virtually exempted credit card companies by allowing them to charge customers, regardless of their state of residence, the interest rates allowed by the state in which they are incorporated.

This means that there are no limits on credit card interest rates in practice, even if certain limits remain on the books, the only exception being the 18 percent interest limit for federally chartered credit unions. Therefore, the best way to protect yourself as a borrower is to be informed about your federally guaranteed rights to interest rate disclosures and other protections.

See FindLaw’s Financial Consumer Protection section for more related information.

State Usury Laws

The term “usury” dates back to the Roman Empire and has been used to describe everything from the blatant exploitation of borrowers to any cash loan that incurs interest. Today, usury generally refers to the former and is subject to interpretation, but a “usury limit” is a statutory limit on how much interest a lender may charge.

Most states have usury laws that set limits on interest rates for loans, but they have been significantly weakened over the years to the point of irrelevancy by at least one U.S. Supreme Court decision, federal statute, and some state laws.

The 1978 case Marquette National Bank v. First of Omaha Service Corp. unanimously held that nationally chartered banks may charge the highest rate allowed in the bank’s home state. This is why so many banks are located in states like Delaware and South Dakota, which have very liberal or nonexistent usury laws. So even if you live in a state that has a very low usury limit, it typically has no bearing on the interest you pay on your credit card.

State usury laws were further eroded with the passage of the Depository Institutions Deregulation and Monetary Control Act of 1980 (DIDMCA). This federal law allowed all federally insured banks (including most state-chartered banks) to charge out-of-state customers the highest rate possible in the bank’s home state. After DIDMCA was enacted, most state legislatures passed laws allowing local banks to charge as much interest as out-of-state banks.

Interest Rates and the Credit CARD Act

While the Credit CARD Act does not limit the rate of interest, the legislation does require that credit card companies provide card holders with advance notice of any rate increases. Specifically, they must provide you with a 45-day notice before they can increase your interest rate, change certain fees, or make other significant changes to the terms of your credit card.

Also, when card companies try to change the terms that apply to a cardholder, they must first give cardholders the opportunity to cancel their credit card agreement. Should the cardholder choose to do so, such a cancellation cannot be considered a “default,” but the credit card company may increase your monthly minimum payment (subject to some limitations). See “Credit Card Rules and the CARD Act” for details.

Since interest rate limits are virtually unregulated (and usury laws have been superseded by federal and some state laws), make sure you read the fine print, understand your federal disclosure rights, and choose credit cards wisely.