Rebecca Lake

Rebecca Lake

Rebecca Lake is a freelance financial journalist based on the southeastern coast of North Carolina. She covers credit cards, finance, investing and small business for publications such as U.S .News & World Report, Investopedia and The Balance.

Rebecca Lake's stories at

'Pay It Plan It' from American Express: Fees, tips; is it worth it? -- "Pay It Plan It" is a flexible payment option offered by American Express in some personal credit cards. Is it worth it? Here's everything you need to know, including fees and tips. ... (See Amex 'Pay It Plan It' guide)

'Hidden city' ticketing: Pros, cons, options -- If you're considering using "hidden city" ticketing to save on airfare, think again. You could get kicked out of frequent flyer programs ? or get sued by airlines. Here's what to do instead. ... (See 'Hidden city' ticketing: Pros, cons, options)

Valentine's Day ideas: How to use rewards, miles, points to save -- Valentine's can be the most romantic ? and expensive ? day of the year. Credit card rewards and perks can help you save on gifts, dining out and romantic getaways. Here's how. ... (See Valentine's Day credit card tips)

All-inclusive vacations: Resort cards versus travel rewards cards -- Considering a resort card for an all-inclusive vacation? You may be better off with a travel rewards card as they can offer more flexibility and better benefits and terms. ... (See Resort cards versus travel rewards cards)

Chase Freedom, Discover rotating categories guide -- Rotating category bonuses allow you to score 5-percent cash back rewards each quarter if you have a Chase Freedom or Discover card. These tips will help you maximize your earnings. ... (See Guide to maximizing rotating category bonuses)

Grow your business strategy: How to use business credit cards -- Considering expanding your business in 2019? Business credit cards can help. Here's how to maximize sign-up bonuses, flexible credit limits and payment options, and rewards. ... (See Grow your business using card rewards)

Credit freeze versus credit lock versus credit monitoring: How to protect yourself -- Credit freezes, which keep lenders and other companies from viewing your credit, are now free. We compared them to other credit protection tools, including locks and monitoring services. Here's how to use them all to protect yourself. ... (See Credit freeze versus locks versus monitoring)

Business credit card tips: How to boost savings, rewards in the new year -- Want to review your business's finances in the new year? Your credit card is a good place to start. Take advantage of the January blues to fine-tune your budget, up your rewards game and explore balance transfer opportunities. ... (See Business card tips for the new year)

New year's resolutions: Maximize rewards with spending reset -- The new year is a great time to examine your past spending and plan ahead to boost your rewards earnings in the upcoming months. These tips will help you maximize savings in 2019. ... (See New year's spending reset)

Rewards credit cards New Year's resolutions -- Ready to start the new year with a list of resolutions to make the most from your rewards credit cards? We have you covered. ... (See New Year's rewards cards resolutions)

Tipping guide: Who, when, how much to tip ? and save using card rewards -- If you're wondering who, when, why and how much to tip, fret not. This guide includes everything you need to know about tipping ? plus a few tips on how to use card rewards to save. ... (See Tipping guide)

Business tax deductions: How to maximize year-end rewards -- Year-end spending can help your business maximize tax deductions and rewards earning at the same time ? if you do it wisely. These tips can help. ... (See Year-end tax deductions and rewards)

American Express Pay Over Time: Business charge cards flexible payment options -- American Express business charge cards offer flexible payment options that can help you manage cash flow or make a big expense. Here's how 'Pay Over Time' and 'Extra Days to Pay' work. ... (See Charge cards: Flexible payment options)

Small business guide: How to use credit cards for employee, client holiday gifting -- If you're a small business owner looking for ways to save on client and employee gifts this holiday season, you can leverage credit card rewards. Here's how to use them right. ... (See Business credit cards and holiday gifting)

Luxury hotel collections guide -- Luxury hotel collections associated with certain travel credit cards offer perks like free room upgrades and meals or late checkout. Here's how these hotel collections work and what cards you can use to unlock their benefits. ... (See Luxury hotel collections guide)

Friendsgiving guide: How to score savings using credit cards -- If you're celebrating 'Friendsgiving' instead of Thanksgiving this year, these tips will help you stay on budget, share costs with your friends and score credit card rewards. ... (See Rewards credit card Friendsgiving tips)

Free breakfast, free dinner: Hotels that offer them, card tips to get them -- You can score major savings on your next trip by staying at a hotel that offers free breakfast ? and dinner. Here's the list of hotels and rewards credit cards that give you access to free meals. ... (See Free breakfast and dinner at hotels)

Credit card rewards: How to share them with authorized users -- Earning rewards as an authorized user doesn't mean you're automatically entitled to use them ? but you could negotiate a plan with the primary cardholder. ... (See Negotiating card rewards as an authorized user)

Booking through a travel portal: Avoid these mistakes -- Third-party travel sites are convenient and may offer great rates, but they might not always offer the best price or let you earn travel rewards. Avoid these booking mistakes by shop comparison first. ... (See Travel portal mistakes)

Camping trip? Maximize savings using rewards credit cards -- From gear and supplies to campground fees and travel expenses, there are multiple ways to stockpile points, miles or cash back on a camping trip. The key is to use the right rewards credit cards. ... (See Camping trips credit card tips)

Small business guide: Get ready for holiday shopping season using credit cards -- If you have a small business, it's time to get ready for the holiday shopping season. Credit cards can save you money on expenses like advertising, shipping and even system upgrades to avoid fraud and chargebacks. ... (See Small business: Get ready for holiday shopping season)

Running a business from home: How to save using business credit cards -- Are you a freelancer, blogger, consultant or entrepreneur working from home? The right business credit card can help you save hundreds of dollars a year in expenses. ... (See Running a business from home: Credit card tips)

Traveling with kids: Tips for maximizing card rewards, hotel points, miles -- Traveling with children in tow isn't always a picnic. Fortunately, you can take advantage of card rewards, frequent flyer programs and hotel loyalty programs to make that family vacation a breeze. ... (See Traveling with kids: Card rewards tips)

Rewards points stolen: What to do, how to protect your accounts -- Your credit card, airline or hotel rewards could be a target for theft. Here's how to protect your rewards points and what to do in case they are stolen. ... (See Rewards points stolen)

Business credit card application denied: Why, what to do -- If your application for a business credit card was turned down, don't despair ? you have options. First you need to understand why you were denied. ... (See Business credit card application denied)

Full-time RVers: Credit card tips for saving money -- Full-time RVers can save money as they wander across the country by choosing the right credit card, budgeting wisely and leveraging loyalty programs and coupons. ... (See Credit card tips for RVers)

Fall food festivals: Credit card tips for reaping rewards -- Food festivals are a great opportunity to indulge in all things tasty ? but they can also satisfy your craving for rewards. Use these tips to earn maximum savings on food fairs this fall. ... (See Fall food festival credit card tips)

Delta SkyBonus, United PerksPlus and other business frequent flyer programs: How they work -- Business frequent flyer programs such as Delta SkyBonus, United PerksPlus and American Airlines Business Extra, among others, can unlock valuable savings on flights for your company. Here's how they work. ... (See Business frequent flyer programs)

Explain credit scores to kids: What they are, how they work -- It's never too early to start teaching your kids about money ? and credit scores, experts say. These tips will make it easier for you to have this important conversation with your family. ... (See Kids and credit scores)

College students: How to earn miles, hotel points, credit card rewards -- It's never too early to start earning points, miles and rewards. Despite age and credit limitations, here's how college students can combine cards, loyalty programs and other tools to save money on travel and everyday expenses. ... (See College student's guide to earning points, miles, rewards)

Bumped from a flight? Credit card tips to keep your seat -- Credit card benefits like priority boarding can help you keep your seat in case your flight is overbooked. If you're bumped, we've got you covered with these travel tips. ... (See Bumped from flight: Credit card tips)

First-time job seeker tips for credit cards -- Looking for your first job? How recent graduates can save money by using the right credit card to offset networking and job interview expenses. ... (See First job card tips)

Charge card vs. business charge credit card: Which is best? -- Business charge cards come with spending flexibility and superior rewards, but are they right for your business? Here's what you should consider to make a decision ... (See Business charge cards vs business credit cards)

Multiply card rewards on business purchases -- Using a rewards credit card for business expenses is an easy way to pile up money-saving miles, points or cash back. Combine it with these tools to maximize savings. ... (See Multiply business savings using rewards cards)

7 hotel rewards mistakes you should avoid -- From booking on the wrong website to overlooking resort fees, these rewards errors can cost you on your next hotel stay. ... (See Hotel rewards mistakes)

Back-to-school scams: How credit cards can protect you -- Back-to-school is prime season for shopping, scholarship and dorm rent scams. Here's how to identify them and use credit card benefits to protect yourself against fraudsters. ... (See Back-to-school shopping scams)

Balance transfer card denied? What to do now -- Your balance transfer can be turned down by card issuers for a few reasons, including a low credit profile. Here's what you can do to succeed at a balance transfer request. ... (See When your balance transfer is denied)

Time to upgrade your business credit card? Here's how to decide -- You might be missing out on better rewards, higher credit limit and lower APR by pledging loyalty to your old business credit card. Here's how to decide if it's time for an upgrade. ... (See Time to upgrade your business credit card?)

Headed to a convention or conference? Don't forget rewards credit cards -- Attending a conference or convention can come with a hefty price tag. Here's how you can leverage rewards credit cards to save on lodging, meals and transportation expenses ... (See Convention expenses and credit cards)

The best business credit card perks you're probably not using -- From cellphone protection to airport lounge access, here are some of the best business card perks you might have been overlooking ... (See Little-known business credit card perks)

Holiday shopping in summer: Use your cards to rack up savings -- Use the right card and these tips to maximize savings on holiday shopping in the summer months. ... (See Holiday shopping in summer)

Hurricane season preparedness: How to minimize prep costs -- Hurricane preparedness can be stressful and expensive. These tips and your cards can help you be ready in case disaster hits close to home. ... (See Hurricane season preparedness)

Small-business card perk: Mastercard Easy Savings vs. Visa SavingsEdge -- Are you a business cardholder looking to maintain a positive cash flow? Two rewards programs, Mastercard Easy Savings and Visa SavingsEdge, can help. ... (See Rewards for business cardholders)

Summer holiday sales: Card reward tips to maximize savings -- Retailers are rolling out Memorial Day weekend deals ? do you have the right card to maximize savings? ... (See Memorial Day weekend sales)

Shopping for a new credit card? Don't overlook smaller banks -- In the market for a new credit card? Consider cards from smaller banks ? fewer fees, low APRs, decent rewards make them a real option. ... (See Smaller bank credit cards)

Last-minute summer travel: Your rewards cards can help score savings -- There?s still time to line up a summer getaway even if you?re late to the planning game. Rewards credit cards can help score savings on flights and hotel stays ... (See Last-minute summer getaway)

'FOMO,' 'likes' and card debt: How Facebook might lead you to overspend -- Facebook's business model makes it easy for advertisers to know almost everything about you, increasing the chances you overspend. Here's what you can do. ... (See Facebook and overspending)

Terms and benefits checkup: Assess your credit card's value periodically -- The card you signed up for might not be the same card now in your pocket. Reviewing its terms and conditions can help you discard it or make it your go-to card. ... (See Terms and conditions checkup)

Score summer festival savings using your rewards credit card -- Music festivals are super fun ? and super pricey ? but your rewards card can hep. Use the right card the right way to score major savings at music festivals this summer. ... (See Summer festival credit card savings)

10 common travel credit card mistakes you need to avoid -- Redeeming points for cash back or letting your miles expire are two of 10 common mistakes you should avoid. ... (See Common travel card mistakes)

Weekly newsletter
Get the latest news, advice, articles and tips delivered to your inbox. It's FREE.

Updated: 04-20-2019