Whether you’ve never had a credit card before or you’ve let your credit score slip, a secured credit card can be a wonderful way to get yourself on the right track and eventually qualify for better rates an

Adding a co-branded hotel credit card to your wallet is a great way to increase your hotel points earnings while also gaining access to premium perks when staying at your favorite hotel chains. And the specific hotel credit card that you get should depend on which hotel chain you stay at most often.

Considering that Wyndham is the largest hotel chain in the world by number of properties, there’s a pretty good chance that you stay with Wyndham more than other hotel chains.

My wife and I attended Oktoberfest in Munich for the first time in 2017 and had an absolute blast. The food, the beer, the music and the overall atmosphere made it clear that this wouldn’t be my last visit. As my father, who is responsible for my German heritage, approached retirement, I started to put together a plan to return with him next time.

My wife and I attend our first Oktoberfest in Munich in 2017.

American Express Membership Rewards points are not only one of the most valuable credit-card currencies, they’re also quite easy to earn. The points are especially useful if you’re a Delta Air Lines flyer.

Membership Rewards is a transfer partner of the Delta SkyMiles program as well as several airline loyalty programs whose miles can be used to book Delta-operated flights for fewer miles than what the SkyMiles program would charge.

For the avid traveler, The Platinum Card® from American Express could quickly become a favorite. With a range of travel-related credits, Hilton and Marriott Bonvoy elite status (enrollment required), and access to the American Express Global Lounge Collection (for eligible card members), the card could make your jet-setting dreams a reality. 

If all that wasn’t enough, there’s even a way to avoid the hefty annual fee of $695 (see rates and fees), making the card free to hold.

If you’re both a foodie and financially conscious, the Capital One Savor Cash Rewards Credit Card should absolutely be on your radar. This is a no-annual-fee credit card for people who want to earn cash back on purchases for food and entertainment. 

The Savor card offers unlimited 3% cash back on dining, entertainment, popular services and at grocery stores (excluding superstores, such as Walmart and Target). 

You’ll also earn 8% cash back on Capital One Entertainment purchases and 5% cash back on Capital One Travel purchases.

For savvy travelers and credit card enthusiasts, signing up for a hotel-branded credit card is a great way to get premium perks while staying at hotels as well as save up points that can lead to award stays. However, for a lot of people, paying an annual fee to receive on-site hotel perks just doesn’t seem worth it.

If that’s the case for you, then you might want to look into the Wyndham Rewards Earner® Card, Wyndham’s $0 annual fee co-branded credit card.

The Capital One QuicksilverOne Cash Rewards Credit Card is a solid option for those who have an average or fair credit score and want to earn rewards in the form of cash back. The QuicksilverOne card charges an annual fee of $39. However, it also offers 5% cash back on purchases made through Capital One Travel and 1.5% cash back on all purchases.

As part of a recent partnership between Bilt Rewards and World of Hyatt, Bilt members can now register to enroll in World of Hyatt Explorist status for 90 days. By doing so, you’ll also have the opportunity to keep Explorist status or even unlock Globalist status.

The Capital One Platinum Credit Card is a good option for customers who have average credit and want a $0 annual fee card. Typically, those with an average credit score receive lower credit limits. However, with the Capital One Platinum Card, you could earn a higher credit limit after paying your balance on time for as little as six months. 

So, if you currently have average credit and you’re trying to raise your credit score, signing up for the Platinum Mastercard from Capital One might be a good idea for you.