Financial Literacy Featured Articles

What you need to know about metal credit cards

By Maryalene Laponsie | Updated on February 6, 2026

Heavier than their plastic counterparts, metal credit cards are gaining popularity among some credit card users thanks to their durability and...

Debt and depression: Why you don’t have to choose between your mental health or your debt

By John Schmoll | Updated on January 26, 2026

Debt, financial worry, and mental health are deeply interconnected, and ongoing financial worry can negatively impact your overall well-being, affecting not...

How are credit limits determined?

By Maryalene Laponsie | Updated on January 23, 2026

We get questions all the time from readers who want to improve their credit scores so they can qualify for better...

5 steps to paying off holiday debt you charged to a 0% APR credit card

By Holly Johnson | Updated on January 23, 2026

But, there are downsides that come with paying for the holidays with plastic, too. One of those is the potential for...

How to manage credit card debt as a retiree 

By John Schmoll | Updated on January 23, 2026

What's more concerning is the amount of debt carried by many seniors. "Nearly half (48%) of older adults who carry a...

New Year’s credit card clean-up checklist

By Holly Johnson | Updated on January 23, 2026

If you're hoping to improve your financial position in the new year, taking stock of your current use of credit and...

How to pay off credit card debt quickly: Your 2026 debt-free blueprint

By Richard Barrington | Updated on January 22, 2026

Paying down credit card debt is always a good way to improve your finances. The way the 2026 economy is shaping...

Guide to foreign transaction fees

By Maryalene Laponsie | Updated on January 20, 2026

If you travel internationally, finding a credit card with low or no foreign transaction fees is crucial. But even if you...

Are credit cards with annual fees worth it?

By Erica Sandberg | Updated on January 20, 2026

If you’re in the market for a new credit card, your first inclination may be to focus on the accounts that...

Are credit card rewards taxable? A guide to credit cards and taxes

By Liz Taurasi | Updated on January 20, 2026

Are credit card rewards taxable? Should you pay your taxes with a credit card? CardRatings offers some guidance on common questions...