Should you get cash back or travel credit card for your business?
Start by asking yourself how much business travel you plan to do in the next year.
5 min read
Jan 24, 2023
EXPERTISE
- Personal finance
- Habit formation
EDUCATION
- BA in Music, Theatre Minor, Miami University
- MFA in Theatre, Illinois State University
"The more you know about credit cards, the better equipped you'll be to make choices that work out in your favor – whether you're taking advantage of your credit card grace period to avoid interest charges, using a 0% intro APR credit card to fund a vacation or redeeming your credit card rewards at their maximum value. Credit is a powerful tool, when used wisely – and as a person who's been writing about personal finance for a decade, I hope to provide you with the tools to make as many wise decisions as possible."
— Nicole Dieker
Highlights
- Ten years of personal finance writing experience, with stories published on Vox, The Simple Dollar, The Penny Hoarder, Lifehacker and more
- Five years writing and editing The Billfold, a personal finance blog where people had honest conversations about money
- Author of Frugal and the Beast: And Other Financial Fairy Tales
Experience
Nicole Dieker has been a full-time freelance writer since 2012—and a personal finance enthusiast since 2004, when she graduated from college and, looking for financial guidance, found a battered copy of Your Money or Your Life at the public library.
In addition to writing for Bankrate, her work has appeared on CreditCards.com, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor.
Nicole Dieker’s debut novel, The Biographies of Ordinary People, is a Millennial-era Little Women that follows three sisters from childhood to adulthood. Dieker is also the author of Frugal and the Beast: And Other Financial Fairy Tales, in which she reworks classic fairy tales to highlight their hidden financial lessons.
"The more you know about credit cards, the better equipped you'll be to make choices that work out in your favor – whether you're taking advantage of your credit card grace period to avoid interest charges, using a 0% intro APR credit card to fund a vacation or redeeming your credit card rewards at their maximum value. Credit is a powerful tool, when used wisely – and as a person who's been writing about personal finance for a decade, I hope to provide you with the tools to make as many wise decisions as possible."
— Nicole Dieker
Nicole's latest articles
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What credit score do you need for a 0% APR card?
Most 0% APR cards require at least good credit, but there are alternative ways to lower your interest rate.
4 min read Jan 20, 2023 -
How your credit limit is determined
Here’s how credit limits work, how issuers calculate credit limits and what you can do to increase yours.
5 min read Jan 12, 2023 -
How to recover after big holiday spending
Did you overspend this holiday season? We’ve got expert advice to help you get back on track.
4 min read Jan 10, 2023 -
How to maximize cash back with rotating bonus categories
Earn as much cash back as possible from your rotating bonus category credit cards.
5 min read Jan 09, 2023 -
How credit inquiries affect your credit score
Here’s how to manage your credit applications to keep your credit score high.
5 min read Jan 09, 2023 -
Should you use a 0% intro APR credit card as an emergency fund?
If you don’t have enough cash to cover an emergency, a zero-interest credit card can help.
5 min read Jan 06, 2023 -
“Sibling” credit card pairs: Which one should you get?
How to compare two sibling credit cards—and choose the best card for you.
11 min read Jan 05, 2023 -
What’s a good APR for a credit card?
A good credit card APR is at or below the national average.
4 min read Jan 05, 2023 -
What happens when your 0% intro APR period ends?
Once a 0% intro APR period ends, unpaid balances start to accrue interest.
5 min read Jan 04, 2023 -
How to use credit card statements and tools to create a budget
Your credit card statement reveals a lot about your spending habits — and might help you change them.
5 min read Jan 03, 2023 -
How long does a balance transfer take?
Initiating a balance transfer is simple, but the process varies by issuer.
4 min read Dec 30, 2022 -
What does 0% APR mean?
A 0% APR can be quite helpful, but it requires a certain level of discipline.
7 min read Dec 21, 2022 -
What is purchase APR?
When you take out a line of credit, your lender can charge interest on any money you borrow. In the case of credit cards, this often comes in the form of a purchase APR.
4 min read Dec 21, 2022 -
How to pay a credit card bill
Learn how to pay your credit card, when you should pay your bill and more.
5 min read Dec 13, 2022