User questions & expert advice

The Platinum Card® from American Express* is most valuable for frequent travelers who will take advantage of its travel-centric benefits. Its numerous travel perks include access to more than 1,550 airport lounges worldwide - including exclusive...

American Express doesn't publish an official spending requirement for the Centurion® Card (Black Card)*. Based on reports, personal invitations often go to people who consistently spend $250,000-$500,000+ per year on an Amex Platinum* or Business...

You can access Amex Centurion Lounges with some of the top American Express cards like The Platinum Card^® from American Express*, The Business Platinum Card^® from American Express*, and the Centurion^® Card from...

Discover doesn't allow joint account holders or cosigners on credit card accounts. However, you can apply for the Discover card in your name and add your wife as an authorized user, or both apply for separate Discover cards for...

Yes, you can downgrade the Chase Sapphire Reserve®* to other Chase credit cards, particularly those within the same card family. Downgrading your card allows you to maintain your credit line and average age of credit,...

You don't need to have a formal business or any business income to get a business credit card. A side hustle or hobby that earns extra cash will be enough to qualify for most of the best business credit cards. Additional income...

Although business credit cards are designed primarily for business use, their application and use can often affect your personal credit. When you apply for a new business credit card, a card issuer checks your personal credit...

Business credit cards work similarly to personal credit cards. They give a line of credit to finance purchases and often come with additional rewards and benefits suited to businesses. You charge your business expenses to the...

To summarize the purpose in one word - convenience. A checking account makes your money immediately available without you having to carry or store significant sums of cash. It enables digital transactions, check or direct...

In short: no, it is not. Opening a debit card together with a checking account is not always obligatory, but it is a widespread and practical choice. Most checking accounts come with a debit card that you can use at ATMs or...