
APR vs. APY: Understanding credit card interest rates
Understanding the difference between APR and APY can help you make smart money decisions.
I spent over a decade of my career working in the funeral industry. My experiences there taught me the importance of living life now while saving for the future.
— Greg Johnson
Greg Johnson has been writing about personal finance, travel, and credit card rewards for more than a decade. His work and commentary have been featured in publications like Newsweek, Yahoo! Finance, Kiplinger, DoughRoller.net, CreditCardReviews.com and more. Greg travels the world for about 15 weeks each year and has visited nearly 50 countries. He holds two bachelor's degrees and is the co-author of the book Zero Down Your Debt. He also works as a travel agent through his own agency, Travel Blue Book. When he is not writing or traveling, Greg enjoys spending time with his family, going to concerts, and hacking his way around the golf course.
I spent over a decade of my career working in the funeral industry. My experiences there taught me the importance of living life now while saving for the future.
— Greg Johnson
Understanding the difference between APR and APY can help you make smart money decisions.
Follow these tips for easy ways to keep your credit card rewards from expiring.
A business line of credit can offer more funds and can be more difficult to obtain.
The Amex Gold or Chase Sapphire Preferred are great travel cards. Learn which is best for you.
A business credit card could have fallouts on your personal credit
Spirit Airlines’ Free Spirit rewards program can help you to earn points on flights.
Earn and redeem Virgin Points with the Virgin Atlantic Flying Club.
Unique rewards rates and cardholder perks set these two cards apart.