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ACE Elite Prepaid Debit Card Review

 

 

(image: https://p.turbosquid.com/ts-thumb/Zb/hJO6lT/lA/33/png/1679469486/600x600/fit_q87/3a4d55293204fbef8d4b6f3b5e467dca4323e966/33.jpg)Advertiser disclosure You're our first priority. Each time. We believe everyone should be able to make sound financial decisions without hesitation. Although our site doesn't feature every company or financial product on the market We're pleased that the guidance we offer and the information we offer and the tools we create are impartial, independent simple, and completely free. So how do we make money? Our partners compensate us. This can influence the products we write about (and the places they are featured on the site) However, it doesn't affect our advice or suggestions that are based on many hours of research. Our partners are not able to be paid to ensure positive reviews of their products or services. .

 

 

ACE Elite Prepaid Debit Card Review

 

By Spencer Tierney Senior Writer | Certificates of deposit, ethical banking, banking deposit accounts Spencer Tierney is a consumer banker at NerdWallet. He has been writing about personal finance since 2013 with a focus on certificates of deposit, as well as other banking topics. The work he has written for him was highlighted on The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is based in Berkeley, California.

 

 

 

 

 

 

Updated Oct 1, 2018

 

 

 

Edited by Amy Hubbard Amy is a former editor in the banking industry and copy editor at NerdWallet. She previously worked as an editor and writer at The Los Angeles Times, the L.A. Daily News and the Hollywood Reporter, among other publications.

 

 

 

 

 

 

 

 

 

 

 

Many or all of the products featured here are provided by our partners who compensate us. This influences which products we feature as well as the place and way the product is featured on the page. However, this does not affect our assessments. Our opinions are entirely our own. Here's a list of and .

 

 

 

 

2.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas take into account several data points per financial product and service.

 

 

 

at ACE Cash Express

 

 

 

 

The ACE Elite prepaid debit card may cost more than it's worth. The card, managed through NetSpend and issued through MetaBank, has a few additional services that aren't available on many other cards that are prepaid, including an interest-paying savings account however, the fees for the card add up. If you're able to deposit direct, you can lower some costs. But there are .

 

Find out more about the ACE Elite's fees and services.

 

Best for:

 

If you are unable to create a bank account, want to receive direct deposits and can take advantage of saving features.

 

 

Pros

 

Free to get the card online. It's also simple. You need to provide your Social Security number when you register, but you'll need no credit check.

 

Discount on monthly fee. If you have at minimum $500 in direct deposits per month (from payroll or government benefits) You can be part of the $5 FeeAdvantage Plan that costs $60 a year.

 

Up to two days faster when you deposit direct. Companies and government agencies may send your money before the official payday However, banks generally delay processing funds. ACE Elite can process direct deposits quicker, however it's dependent on whether they get your money in a timely manner.

 

Monthly plans don't have purchase fees. Most prepaid debit cards don't charge any fees when you use the plastic at stores, but ACE Elite's pay-as-you-go plan has a price of 1 cent per purchase. The card's two monthly plans, however, allow purchases to be made for free.

 

Three free reload options. Transfers online, directly from the bank account, from other ACE Elite card and mobile check deposits that process for 10 days are free. Transfers made from bank accounts can be free, but it depends on the bank.

 

Savings account that offers 5% APY for first $1,000. This annual percentage yield is high however, after the initial $1,000, the rate decreases to 0.50 percent APY for the remaining balance. This means you can earn $50 in interest for the first $1,000, and $5 for your next $1,000 and the same rate for the next. If you pay one year's worth of monthly fees, the expense alone could be more than what you make in interest.

 

 

Check out more choices: Check our list of

 

Cons

 

The monthly fees are high. Prepaid debit cards typically charge a monthly amount of $5, in the average, however, ACE Elite's fees are $9.95.

 

Other charges. If you don't use your ACE Elite card for 90 days or request a check for the balance remaining on your card, there's a $5.95 cost. Additionally, there is a cost to purchase the card in stores that are up to $9.95 as well as a one-time fee of $1 for transactions that are declined and a fee for calls to customer support.

 

There is no free-withdrawal service for customers. To withdraw cash from any ATM, or over the counter at a bank, it costs $2.50 each time.

 

Has optional overdraft program. One of the major selling points for most credit cards for prepaid debit is that they do not charge overdraft fees if your account dips into the negative. ACE Elite, like other NetSpend-managed cards, comes with an overdraft program that comes with 15 overdraft charges and a maximum limit of three per month. This is lower than the majority of banks' overdraft programs but not ideal to use if you need help budgeting.

 

No free way to transfer money manually, but it's fast. Online transfers can take days to process, while the option for processing mobile check deposits within minutes is a cost of up to 2% or more for each amount of check.

 

There is no free-reloading service. Reloads for cash at retailers that are part of NetSpend's Reload Network like CVS Pharmacy and 7-Eleven, are instant but carry a fee, typically $3.95 which varies depending on the store. Certain locations do not charge however some do.

 

 

Overview of prepaid debit cards

 

What is a prepaid debit card?

 

A prepaid debit card form of payment card that only lets you use the funds you load onto the card. They aren't able to help you build credit. Similar to a debit card it can be used with any retailer that accepts its payment network, like Visa, Mastercard or American Express. It's safer and easier as opposed to cash. The prepaid cards usually have an app for mobile devices for depositing checks and transferring money. Learn more on our guide to debit cards that are prepaid.

 

Unlike checking accounts, prepaid debit cards could not offer certain services, like free ATM branches, checks, among others. If that doesn't work for you, check out our list of best checking accounts. If you've been struggling with banks before consider second-chance checking options.

 

Prepaid debit card vs. debit card vs. credit card

 

Credit cards with prepaid cards -- make payments before: You load money onto the card via cash check or direct deposit into a bank account before paying for transactions.

 

Cardholders with debit cards- pay today Pay now: You can use the money directly from a checking account to pay for purchases or withdrawing money from an ATM.

 

Credit cards -- pay later: You borrow money from a bank each time you make use of the card. You pay it back later.

 

 

How does FDIC insurance for Prepaid cards function?

 

Prepaid debit cards typically come with FDIC insurance, which helps keep your money safe in the event that the issuer goes under. Only financial institutions can be covered by FDIC insurance, therefore the prepaid card must be managed by a bank or a prepaid card provider that is partnered with a bank to offer the insurance. You must sign up your debit card prepaid with your name and other identification information in order to qualify for FDIC insurance, as well as other security.

 

 

 

 

About the author: Spencer Tierney is a writer and NerdWallet's authority on deposit certificates. His work has been featured by USA Today and the Los Angeles Times.

 

 

 

 

 

 

 

 

On a similar note...

 

Find a savings account that is more efficient

 

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Dive even deeper in Banking

 

 

 

 

 

 

 

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Netspend Prepaid Card Review

 

 

Advertiser disclosure You're our first priority. Every time. We believe that every person should be able to make sound financial decisions with confidence. While our website doesn't include every business or financial product in the marketplace however, we're confident that the guidance we offer as well as the advice we offer and the tools we create are objective, independent simple, and free. How do we earn money? Our partners compensate us. This can influence the products we review and write about (and where those products appear on our website) however it doesn't affect our recommendations or advice that are based on hundreds of hours of study. Our partners are not able to be paid to ensure positive ratings of their goods or services. .

 

 

Netspend Credit Card Prepaid Card Review

 

Written by Spencer Tierney Senior Writer | Certificates of Deposit ethics, ethical banking, bank deposits Spencer Tierney is a consumer banking writer at NerdWallet. He has been writing about the personal financial sector since, with a focus on certificate of deposit and other banking-related issues. His work has been covered in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is located in Berkeley, California.

 

 

 

 

 

 

Updated February 10, 2021

 

 

 

Written by Alice Holbrook Assigning Editor | Banking, savings, and home buying products Alice Holbrook edits homebuying content at NerdWallet. She has covered personal finance topics for almost a decade and previously worked in NerdWallet's banking and insurance teams and also did some time on their copy desk. She is based in Ann Arbor, Michigan.

 

 

 

 

 

 

 

 

 

 

 

Many or all of the products we feature are from our partners who pay us. This impacts the types of products we write about and the location and manner in which the product is featured on a page. But, it doesn't affect our assessments. Our views are our own. Here's a list of and .

 

 

 

 

Netspend's prepaid debit cards are expensive alternatives to a checking account. They're easy to get and don't require a credit or banking history necessary to sign up, but Netspend makes you choose either a month-long fee or paying a charge each time you make a purchase. Whatever you choose, you'll incur more charges in a year than what you can earn in interest from your card's savings account. There's a reliable nationwide network of over 130,000 locations for cash reloads, but it isn't cost-free and you don't get free access to ATMs.

 

The best for:

 

Customers who require a card that won't allow you to be negative or charge overdraft charges, unless you opt into overdraft coverage.

 

People who have struggled managing their bank account in the past.

 

 

Click here to see more options Take a look at our list of

 

Netspend Card Pros

 

5.00 Savings account with APY 5% on balances of up to $1,000, and 0.50% APY on the amount over that.

 

Easy access to adding and withdrawing cash from the network of retail stores.

 

You can receive your pay up to 2 days in advance with direct deposit.

 

Grace period for overdrafts or courtesy cushion with the option of overdraft coverage.

 

 

Are you searching for ways to build credit instead? Find out more about

 

Netspend Card Cons

 

Monthly fee is steep for the base fee plan, and there is it is impossible to waive the fee completely.

 

Cash is not available on a free network for reloads or withdrawals.

 

Inactivity fee for when you cease using the card, among other charges that most prepaid cards don't have.

 

An optional overdraft option costs $20 per overdraft, maximum five times per month.

 

 

>> Ready to open the traditional savings option? Look over the

 

General information on pre-paid debit cards

 

What is a debit card that is prepaid?

 

A Prepaid debit card is a type of payment card that only allows you to spend the funds you deposit on the card. They aren't able to help you build credit. Similar to a debit card the prepaid card can be used with any store that accepts its payment network, which includes Visa, Mastercard or American Express. It's more secure and easier as opposed to cash. Most prepaid cards have an app that allows you to deposit checks and transfer money. Find out more about our .

 

As opposed to checking accounts, prepaid debit cards could not offer certain services like free ATM branches and checks, to name a few. If this doesn't suit you, take a look at our list of . If you've had trouble with banks before take a look at .

 

Prepaid debit card vs. debit card vs. credit card

 

Pay with prepaid debit cards in advance you load funds onto the card using cash, checks, direct deposit or the bank account before paying for transactions.

 

Debit cards -- pay now: You use money directly from a checking account when paying for purchases or withdrawing money from an ATM.

 

Credit cards -pay later: You borrow money from a bank each time you use your credit card. Then, you repay the loan later.

 

 

What is the procedure for FDIC insurance for prepaid cards work?

 

Prepaid debit cards almost always have FDIC insurance, which helps keep your funds protected in case the issuer goes under. Only financial institutions can be covered by FDIC insurance, which means a prepaid card is either controlled by a bank or a prepaid card company that partners with a bank to provide this insurance. You must sign up your debit card in a prepaid account with your name and other identification information in order to be eligible to receive FDIC insurance, as well as other security.

 

 

 

 

About the author: Spencer Tierney is a writer, and NerdWallet's expert for certificates of deposit. His work has been highlighted by USA Today and the Los Angeles Times.

 

 

 

 

 

 

 

 

On a similar note...

 

Find an alternative to a checking account

 

See NerdWallet's recommendations for the top checking accounts.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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How Couples Can Work Together on Debt Repayment

 

 

(image: https://c1.staticflickr.com/1/197/524195139_1c8a3ec97c_b.jpg)Advertiser disclosure You're our first priority. Every time. We believe that everyone should be able to make sound financial decisions without hesitation. Although our site does not include every company or financial product available in the marketplace, we're proud that the guidance we offer as well as the advice we offer and the tools we create are objective, independent, straightforward -- and free. So how do we make money? Our partners compensate us. This could influence which products we write about (and where they are featured on the website) however it does not affect our advice or suggestions which are based on many hours of study. Our partners are not able to promise us favorable reviews of their products or services. .

 

 

How Couples Can Work Together in Debt Repayment

 

If you brought credit card debt in your relationships, your partner could be your partner in becoming debt-free.

 

by Sara Rathner Senior Writer/Spokesperson | Travel rewards, credit cards and debt payments Sara Rathner is a NerdWallet expert in credit and travel. She has appeared in the "Today" show, as well as CNBC's "Nightly Business Report" as well as being quoted on The New York Times, The Washington Post, The Wall Street Journal, Yahoo Finance, Time, Reuters, NBC News, Business Insider and MarketWatch. Before joining NerdWallet, Sara worked at The Motley Fool for nearly 10 years. She was also an independent personal finance writer and paraplanner and has a bachelor's education in Journalism in journalism from Northwestern University.

 

 

 

 

 

 

Updated January 30, 2023 at 6:09 AM PST.

 

 

 

Editor: Kenley Young, Assigning Editor Credit scores, credit cards Kenley Young directs daily coverage of credit cards on NerdWallet. Prior to that, he worked as an editor on the homepage as well as a digital content producer for Fox Sports, and before that , a front page editor at Yahoo. He has a wealth of experience in digital and print media, with times as chief of the copy desk as well as a wire editor as well as a metro editor of the McClatchy newspapers chain.

 

 

 

 

 

 

 

 

 

 

 

Many or all of the items featured on this page are provided by our partners who pay us. This impacts the types of products we review and where and how the product appears on a page. However, this does not affect our opinions. Our views are our own. Here's a list and .

 

 

 

 

MORE LIKE THIS

 

 

 

Between helping financially his parents, and losing money because of COVID-19, Jeremy Mazza landed into serious . The relief came from a source that he wasn't expecting: his girlfriend, Ginna Lambert, who had received a modest inheritance. She suggested "investing" part of her bounty in their future by lending small amounts to Mazza that he could apply towards his obligations.

 

It took a little convincing.

 

"To be forced to request money, when I was the one who provided it and my parents were asking for money, I wasn't going to follow their example and take," Mazza says. "But that's not what this wasabout, this was a caring thing."

 

Mazza and Lambert took on the challenge with open communication and specific loan conditions. And for them, it's yielding results: Mazza estimates his went up by 150 points. The couple, who live in Richmond, Virginia, are getting married this year and hope to purchase a home soon as well.

 

"I had a very, highly, extremely vested interest in making sure my partner's credit score and finances were in as good of a condition as it was possible," Lambert says.

 

While joint debt is a shared responsibility but the individual debts that you bring into a relationship are ultimately yours to tackle. However, they could get in the way of making life plans together, so it could be beneficial that your spouse help you with the debt you have in some manner. Don't make an agreement of this type without having a strategy.

 

Make yourself vulnerable by reviewing the entire financial picture

 

It's essential to be open with each other regarding your financial situation especially when your relationship grows more serious.

 

"If couples are planning to wed, it's a good idea to talk to each other prior to getting married," says Trina Patel who is a Los Angeles-based senior financial advisor at Albert, a financial services company.

 

Set aside a few free money dates where you talk about what's going on for each of you. These conversations can aid you in establishing shared goals and determine the steps to take to achieve them, like making adjustments to your budget or finding ways to increase your income.

 

"Debt can often bring feelings of shame, guilt, and embarrassment leading couples to avoid discussing the debts they have," said Leanne Rahn who is a financial advisor with Fiduciary Financial Advisors in Grand Rapids, Michigan, via email. "Vulnerability is hard but rememberthat you and your spouse are a team."

 

Think about non-monetary ways to assist

 

You might not be able, or unwilling, to pay off your partner's debt. There are many options ways to help. You can be an accountability buddy, assist you rethink your budget for the family when you live together, or find ways to reduce your expenses in your shared spending.

 

Perhaps you can do more household chores so that your partner has time to pick up additional hours at work, or you can help them edit their resume in order to find a higher-paying job.

 

Discuss a financial arrangement

 

If you're comfortable with gifting or lending money to your partner to put toward the debts they have, you need to iron out the specifics. Specify dollar amounts and write the entire thing down.

 

Lambert For instance, Lambert started by offering a six-month loan that was interest free and costing $2000 loan in exchange for Mazza. As time went on, both were comfortable with further more substantial loans.

 

An attorney's help with a contract can help both parties feel more at ease.

 

"A legally binding agreement would definitely make the responsibilities of each spouse/significant other clear and straightforward with the law holding them accountable," Rahn says.

 

Know when to say 'no'

 

It's okay not to share the financial burden of someone else regardless of how much you care about them. When your marriage is relatively new or you're unsure of what the future holds however, you are able to still encourage your partner to keep going as they pay down their debt.

 

And if your partner won't take your "no" as an answer, take it as an option and take your time.

 

"I wouldn't have offered this even if we were in our honeymoon stage," Lambert says. "At the time we were already moving into our new home. He had proved, time and time again, that he was reliable."

 

The post was written by NerdWallet and was originally published by The Associated Press.

 

 

 

The author's bio: Sara Rathner is a NerdWallet travel and credit cards expert. She has appeared as a guest on "Today" show, Nasdaq and CNBC's "Nightly Business Report."

 

 

 

 

 

 

 

 

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Find the perfect credit card for your needs. Whether you want to lower your interest rate or earn higher rewards, the right card is out there. Simply answer a few inquiries and let us narrow your results for you.

 

 

 

 

 

 

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ACE Elite Prepaid Debit Card Review

 

 

Advertiser disclosure You're our first priority. Each time. We believe everyone should be able to make sound financial decisions with confidence. While our website doesn't include every business or financial product available in the marketplace however, we're confident that the advice we provide as well as the advice we offer and the tools we create are independent, objective, straightforward -- and cost-free. So how do we make money? Our partners compensate us. This may influence which products we write about (and where those products appear on our website) However, it in no way affects our suggestions or recommendations, which are grounded in many hours of research. Our partners are not able to be paid to ensure positive review of their services or products. .

 

 

ACE Elite Prepaid Debit Card Review

 

Written by Spencer Tierney Senior Writer | Certificates of Deposit and ethical banking, as well as banking deposit accounts Spencer Tierney is a consumer banker at NerdWallet. He has covered the personal financial sector since, with a particular focus on certificates of deposit, as well as other banking topics. He has had his work covered in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. The location of his work is Berkeley, California.

 

 

 

 

 

 

Updated Oct . 1, 2018.

 

 

 

Edited by Amy Hubbard Amy is a former bank editor and copy editor for NerdWallet. She has previously worked as a writer and editor at and editor for the Los Angeles Times, the L.A. Daily News and the Hollywood Reporter, among other publications.

 

 

 

 

 

 

 

 

 

 

 

The majority or all of the items featured on this page are from our partners who pay us. This influences which products we review and where and how the product is featured on the page. But, it doesn't affect our assessments. Our views are entirely ours. Here is a list of and .

 

 

 

 

2.0 NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formulas are based on several data points per financial product and service.

 

 

 

for ACE Cash Express

 

 

 

 

It's possible that the ACE Elite prepaid debit card may cost more than it's worth. The card, administered through NetSpend and issued by MetaBank it comes with extra services that aren't on many other prepaid cards, such as an interest-paying savings account however the costs for the card can add up. If you're able to deposit direct, you can lower some charges. But there are .

 

Check out the following article for more information about the ACE Elite's charges and other services.

 

The best for:

 

Those who can't create a bank account, want to get direct deposits, and benefit from Savings feature.

 

 

Pros

 

Free to get the card online. And the sign-up process is straightforward. You'll need to provide your Social Security number when you register, but there's no credit check.

 

Discount on monthly fee. If you've at least $500 in direct deposits monthly (from government or payroll benefits) You can be included in the FeeAdvantage Plan that costs $60 a year.

 

It can take up to two days when you deposit direct. The government and businesses can pay you before the official payday however banks typically take longer to process your money. ACE Elite can process direct deposits faster, but it is contingent on the time they receive your cash in a timely manner.

 

Monthly plans do not have the expense of purchasing. The majority of prepaid debit cards do not charge fees for using the cards at shops however ACE Elite's pay-as you-go plan has a price of 1 cent per purchase. The card's two monthly plans however, let purchases remain free.

 

Three free reload options. Transfers online, directly from the bank account, from another ACE Elite card and mobile check deposits with 10-day processing are free. Transfers from bank accounts could be free, but it is dependent on the bank.

 

Savings account that offers 5% APY for first $1,000. This annual percentage yield is quite high but once you have reached $1,000, the interest rate is reduced to 0.50 percent APY on the remaining balance. It means that you will earn $50 in interest for the first $1,000, and $5 for the next $1,000 and the same rate for the following. If you have to pay a year's worth of charges, however, that cost alone might outweigh whatever you earn in interest.

 

 

>> See more options Take a look at our list of

 

Cons

 

The monthly fees are high. Prepaid debit cards typically charge a monthly amount of $5, in the average, however, ACE Elite's fees are $9.95.

 

Other charges. If you cease using your ACE Elite card for 90 days or ask for a check for the balance of your card and you're charged a $5.95 cost. There's also a fee to buy the card in stores for up to $9.95 as well as a one-time fee of $1 for transactions that have been declined as well as fees for certain calls to customer support.

 

There is no free withdrawal network available to customers. To withdraw cash in any ATM at a bank, it costs $2.50 every time.

 

It also has an overdraft feature that is available. One of the major selling points for most debit cards that are prepaid is not having overdraft fees when your account is in the negative. ACE Elite, like other NetSpend-managed credit cards, offers an overdraft program that comes with the option of a $15 fee for overdrafts and a maximum limit of three per month. This is cheaper than most banks' overdraft plans, but isn't the best choice to help you budget.

 

There's no way for you to add money manually that's quick. Online transfers can take days to process, and the option of processing mobile check deposits within minutes costs up to 2% or more for each check amount.

 

There is no free-reloading service. Cash reloads at retailers in NetSpend's Reload Network including CVS Pharmacy and 7-Eleven, are immediate, but they charge an additional cost, usually $3.95, that varies by store. Some locations don't charge, however there are many that charge.

 

 

A brief overview of debit cards for prepaid

 

What is a prepaid debit card?

 

A Prepaid debit card form of card that lets you use the funds that you put on the card. They do not help you build credit. Like a debit card, a prepaid card works with any retailer that accepts their payment network, such as Visa, Mastercard or American Express. It's safer and easier than cash. The prepaid cards usually have an app for mobile devices for depositing checks and transferring funds. Find out more in our guide to prepaid debit cards.

 

As opposed to checking accounts, debit cards that are prepaid may lack some services like free ATM or branch networks as well as checks, among other. If none of that appeals to you, see our list of the top checking accounts. If you've been struggling with banks before, check out second chance checking options.

 

Prepaid debit card vs. debit card vs. credit card

 

Prepaid debit cards -- pay prior to you load funds onto the card using cash or checks, direct deposit or the bank account before paying for transactions.

 

Cardholders with debit cards- pay now Pay now: You can use the funds directly from a checking account when paying to purchase or withdrawing cash from an ATM.

 

Credit cards -- pay later: You take money from a bank each time you use your credit card. Then, you repay the loan later.

 

 

How does FDIC insurance on Prepaid cards function?

 

Prepaid debit cards almost always have FDIC insurance, which ensures that your money safe in the event that the issuer goes under. Only financial institutions are eligible for FDIC insurance, so the prepaid card must be operated by a bank, or a prepaid credit card provider that is partnered with a bank in order to provide this insurance. It is necessary to register your debit card prepaid using your personal name as well as other information about your identity in order to qualify to receive FDIC insurance, as well as other security.

 

 

 

 

About the author: Spencer Tierney is a writer and NerdWallet's authority on certificates of deposit. He has had his work highlighted in USA Today and the Los Angeles Times.

 

 

 

 

 

 

 

 

In a similar vein...

 

Find a savings account that is more efficient

 

Find out what NerdWallet's top picks are for the most high-yielding online savings accounts.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Dive even deeper in Banking

 

 

 

 

 

 

 

Get more smart money moves - straight to your inbox

 

Sign up now and we'll email you Nerdy posts on the financial topics that are important to you as well as other strategies to help you get more out of your money.

 

 

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Gas prices are likely to continue climbing through 2022: Here's how to save at the pump Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial decisions by offering you interactive tools and financial calculators that provide objective and original content. This allows users to conduct research and compare data for free and help you make informed financial decisions. Bankrate has partnerships with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this website are provided by companies who pay us. This compensation can affect the way and when products are featured on the site, such as for instance, the order in which they may be listed within the categories of listing, except where prohibited by law. This applies to our loans, mortgages,, and other home lending products. But this compensation does affect the information we provide, or the reviews that you read on this site. We do not include the entire universe of businesses or financial deals that may be open to you.

 

 

 

 

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4 min read Published August 14, 2022

 

Written by Rebecca Betterton Written by Auto Loans Reporter

 

 

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the details of taking out loans to purchase the car they want.

 

 

 

 

 

 

 

 

Edited by Rhys Subitch Edited by Auto loans editor

 

 

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping their readers to control their finances by providing clear, well-researched information that breaks down otherwise complex topics into manageable bites.

 

 

 

 

 

 

 

 

 

 

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People all over in the U.S. have been dealing with record-high prices for gas on the market this year. However, over the last month, despite a decrease in consumption, prices have started to decrease and give motorists a sigh of relief. The national average cost for a gallon of regular fuel is down to $4.13, . In the beginning of the month, gas prices were lower by 64 cents compared to one month ago. However, the damage has been done in a variety of ways, and gas prices remain far more expensive than they were one year ago. AAA found that many drivers have made substantial lifestyle changes to help cope with rising gas prices, including taking fewer trips, combining their errands and cutting down on eating out. Here are some other strategies to cut down on gas. Five ways to save money at the gas pump. If you want to save money on gas and pay less at the pump, you should consider making some changes to your usual driving. 1. Be aware of the speed limit. No whatever the fuel efficiency of your vehicle, driving within the speed limit can help save fuel. Your mileage will drop when you travel at speeds of more than 50 miles per hour. In addition to driving at the posted speed, it's a good idea to stay clear of extreme acceleration or braking that can lead to lower gas mileage. 2. Shop around for the cheapest alternatives before you go to the next gas station that you come across look up the cheapest alternatives in the vicinity. Download apps such as GasBuddy, Gas Guru and the AAA app to find out where the lowest gas costs are in your vicinity. 3. Stick with regular gas options unless your car requires premium gasoline, there is no reason to pay the extra cash to buy the highest-end choice. Sticking with regular gasoline will cost you about 50 cents per gallon -which is a tiny amount which can quickly add to. 4. Participate in a rewards program A lot of supermarkets offer rewards to drivers for filling up at stations. Some credit cards also offer points when used when you fill up at the pumps. If a traditional gas station is more your style you should look out for rewards options specific with the companies you like such as the one 7-Eleven offers. 5. Map out routes in advance to reduce the cost of fuel and time in the car, use apps like Waze to take an efficient path. Also , plan your route prior to time to ensure that you don't use up the fuel going back and forth to various regions. 6. Keep your tires at the proper pressure. If your tires are not properly inflated, they can affect your vehicle's gas mileage, which could reduce efficiency of your fuel. Ensuring your vehicle's tires are properly aligned can help improve the gas mileage of your vehicle. 7. Use cruise control Driving with cruise control will help you keep a steady speed, which can decrease the amount of gasoline that is used. 8. Reduce air conditioner use Using the air conditioner drains fuel more quickly due to the power needed by engines to operate it. Other ways to save money on vehicle costs It's true that the cost to power your car can be quite expensive, especially in the present it is made up of many factors. There are many other methods to save money while driving. Maintain your vehicle Keeping up to date on the is a great way to prevent any unexpected issues. Try to get your vehicle checked by a professional couple of times per year to prevent costly issues that could arise on the road. Reduce the time spent on long journeys. With more miles on your odometer mean many trips to the fuel station, but it also means more potential for mechanical issues. If you're able to steer clear of it, it isn't the best time for a long road journey. It might also be a good time to carpool or rely on public transportation if it's available. Find a lower cost insurance provider if you have had the same insurance for more than one or two years this could be a good time to shop around and see what other options are available. Make sure you compare multiple providers to ensure you are getting the best deal. Refinance your vehicle loan You might be able to get better terms and lower your monthly payment by . This is especially applicable if you have made improvements to the credit rating of your. Check your credit score to determine how you can save cash by refinancing. The volatility in gas prices is due to a combination of factors Even as prices have declined, the average cost for a gallon of gas remains $1 more costly than it was one year ago. In many areas, the cost for gasoline is well above $4, while California residents continue to pay higher than $5.50 per gallon. The high prices that the country is still facing are in part due to Russia's attack on Ukraine and resulting sanctions. The sanctions have resulted in an astronomical increase in the price for crude oil. It acts as the main ingredient used to power many automobiles. When the cost of crude oil increases, so do costs at the gas station. The bottom line when it comes to owning a car expenses can mount up - and the fluctuating cost at the pump can create a huge amount of discontent. Although gas prices are out the control of you, concentrate on the choices which you could make that will cut costs. The changes that you can make include searching for the lowest prices for gas in your area making sure you combine your errands with trips when possible and keeping your car in good condition.

 

 

 

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Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ins and outs of securely borrowing money to purchase the car they want.

 

 

 

 

Editor: Rhys Subitch Edited by Auto loans editor

 

 

Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain confidence to take control of their finances by providing precise, well-researched and well-studied data that is broken down complicated subjects into digestible pieces.

 

 

 

 

 

 

 

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Related Articles Banking 4 minutes read Jan 02, 2023

 

 

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Budget, save, even Win Money With Today's Prepaid Debit Cards

 

 

Advertiser disclosure You're our first priority. Each time. We believe that everyone should be able make financial decisions with confidence. While our website doesn't include every financial or company product on the market however, we're confident of the advice we provide, the information we provide and the tools we develop are impartial, independent simple, and completely free. How do we make money? Our partners pay us. This can influence the products we review and write about (and where those products appear on the website) However, it in no way affects our suggestions or recommendations that are based on hundreds of hours of study. Our partners are not able to promise us favorable reviews of their products or services. .

 

 

Save, budget, and even Make Money With Today's Prepaid Debit Cards

 

By Spencer Tierney Senior Writer | Certificates of Deposit and ethical banking, as well as banking deposit accounts Spencer Tierney is a consumer banking writer for NerdWallet. He has covered finances for individuals since the year 2013, with a particular focus on certificates of deposit, as well as other banking topics. His work has been covered in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among other publications. The location of his work is Berkeley, California.

 

 

 

 

 

 

Updated Sep 19, 2017

 

 

 

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Back in 1999 in 1999, an entrepreneur Steve Streit created the first retailer-sold prepaid debit card, eventually known as Green Dot, as a way for teens to buy things online.

 

Prepaid cards have evolved in the past, and now they go beyond helping people spend to assisting them in the opposite way: budgeting and saving money. With features for budgeting that are customized or creative incentives that help make money more efficient, prepaid debit cards make it possible to manage your money smartly, without the bank.

 

>> If you're ready to evaluate cards, check out our list of .

 

Here's how prepaid debit cards could help you:

 

Get your budget under control

 

Prepaid debit cards feature the logo of the card network like Visa or Mastercard are accepted at retailers nearly everywhere and can be loaded with money regularly. Most don't require a credit check. However, they're not suitable for everyone. They are primarily for people who are looking for a new approach to budgeting or the replacement of a checking account.

 

The main benefit of prepaid cards is the lack of overdraft programs and their associated fees typically found on checking accounts. The balance of a card is a normal spending limit -- a card is typically declined with no fee, when there isn't enough for a purchase or payment.

 

Additionally the fact that more prepaid debit cards come with tools to set budgets or goals than they did before. Around 54% of the prepaid card market sampled had these tools in 2016, as compared to just 30 percent in 2014, according to . The samples included 19 cards from 2014, and 21 cards in 2016, and each sample represented 90 percent or more of the market for prepaid debit cards.

 

Like bank accounts, many prepaid debit cards give you access online and via mobile to your accounts , using features like mobile transfer of money and check deposit. But the more in-depth tools for budgeting on certain cards permit you to:

 

Set your own spending limits. Budgets can be created with spending categories like entertainment and clothing.

 

Visualize your purchase history. Some cards display pie charts or other images that help you categorize your purchases.

 

Create text and email alerts to be notified whenever you spend over a certain amount.

 

Use sub-accounts to manage different household costs. Designating one of your card's sub-accounts for one kind of expense, like food, makes it easier to put a cap on that spending.

 

 

Bluebird from American Express and Akimbo are two cards that provide five to six sub-accounts which are connected to a master account but with separate balances for each account and physical cards.

 

These cards can be used as an envelope system of today. One card can be used for shopping at the grocery store one for dining out and a fourth for holidays, and so on.

 

If you have kids Sub-accounts may grant them spending privileges , with an amount per card that you determine.

 

Make the most of your savings (and maybe win cash)

 

Budgeting is an effective method of managing money however, you may need an incentive to keep it up.

 

"Budgeting for the sake of budgeting isn't always effective," says Thea Garon, senior manager at the Center for Financial Services Innovation. With debit cards that are prepaid, she adds, it's best "when the experience of budgeting is linked to the financial experience, as well as aspirational objectives."

 

The Walmart MoneyCard that is offered through Green Dot Bank, has options for budgeting, including account alerts, but it stands out with its prize-linked savings program. In August, Wal-Mart as well as Green Dot added a monthly sweepstakes to the card's "vault." The vault is similar to an account for savings as you are unable to spend on that balance, without moving it to the card's balance for spending.

 

Saving money in the vault offers you the chance of winning a prize monthly: One dollar saved equals one entry into a sweepstakes contest which means you could win more than 500 chances to win. Every month there are 499 winners that get $25 and one winner who takes home the jackpot, $1,000.

 

"Especially in a low-interest market and the possibility of winning some money is exciting," says Mark Matthews who is the director of senior management at Walmart Services.

 

But the prize really isn't in the sweepstakesit's the motivation to save more money, and it's effective. The savings account's average balance increased by 35% between $413 and $572 during August through December. According to Walmart, about 175,000 people were enrolled in June. use of this Savings Vault on the MoneyCard has increased by 233% over the previous year.

 

"The purpose of this is to establish a useful mechanism and incentive for building up an amount of money over time to deal with emergency situations," he adds. Matthews pointed out that all savings were manually added since there's no automatic savings transfer on the MoneyCard.

 

Prepaid cards have seen a surge in popularity, however ...

 

In terms of a bank option as well as with more modern enhanced features, prepaid debit cards have gained popularity since Streit's 1999 inspiration. The number of payments using prepaid debit cards rose by 34% from 2009 to 2012 and 5.6% from 2012 to 2015, according to data from the Federal Reserve Payments Study in 2016. While growth has slowed in recent months however, these cards have a place in the pockets of millions Americans' pockets.

 

They are also secure and are getting safer. NerdWallet recently looked at 44 cards from the market, including major issuers and upstarts and found all cards to be insured. The prepaid cards are expected to go into effect in April of 2018.

 

However, this doesn't mean that the prepaid debit card is always the best option. Here are some reasons they may not be the right choice for you:

 

They don't help create credit. If you're looking to boost your credit score, consider the .

 

It's not the cheapest way to budget. Many cards have monthly charges -- the average from the NerdWallet analysis was $4.67. You can see a few of the below.

 

Some bank accounts have better incentive to invest in savings. Some online savings accounts have rates of interest in excess of one percent per year. There are new banks such as Chime that reward you by saving. Your debit card purchases get round to the nearest dollar, and then those cents are automatically transferred to a savings account. After every week, you'll earn a 10% bonus on all the cents that have been rounded that you earn, at least $500 per year.

 

 

Explore alternatives and compare interest rates

 

 

 

 

The author's bio: Spencer Tierney is a writer, and NerdWallet's expert on deposit certificates. The work of Spencer Tierney has been highlighted in USA Today and the Los Angeles Times.

 

 

 

 

 

 

 

 

On a similar note...

 

Find a savings account that is more efficient

 

Find out what NerdWallet's top picks are for the most high-yielding online savings accounts.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Guide How to Make Money Through Blogging

 

 

Advertiser disclosure You're our first priority. Each time. We believe that every person should be able to make financial decisions without hesitation. While our website doesn't feature every company or financial product on the market however, we're confident of the advice we provide as well as the advice we provide and the tools we develop are objective, independent, straightforward -- and completely free. So how do we earn money? Our partners compensate us. This may influence which products we review and write about (and the way they appear on our website) however it does not affect our suggestions or recommendations which are based on many hours of research. Our partners are not able to promise us favorable ratings of their goods or services. .

 

 

Guide: How to Make Money Through Blogging

 

Earning money through a blog may require running ads or explore affiliate marketing or choose another route.

 

by Laura McMullen Assistant Assigning Editor Personal finance, financial information Laura McMullen assigns and edits the financial news content. She was previously a senior journalist at NerdWallet and was responsible for the process of saving, budgeting and making money. She also was a contributor to "Millennial money" column of The Associated Press. Prior to joining NerdWallet in 2015, Laura was employed by U.S. News & World Report which is where she created and edited articles on careers, wellness and education and also contributed to the rankings of the company. Prior to joining U.S. News & World Report, Laura interned at Vice Media and studied journalism, historical studies, along with Arabic in the Ohio University. Ohio University. Laura lives in Washington, D.C.

 

 

 

 

 

 

Updated Dec 14 2021

 

 

 

 

 

 

 

 

A majority of the products featured here are provided by our partners who pay us. This influences which products we write about and the location and manner in which the product is featured on a page. But, it doesn't affect our opinions. Our views are our own. Here's a list and .

 

 

 

 

You've got to be an entrepreneur for be able to blog. You may require selling ads, promote products as well as write your own e-book. We'll help you choose the most effective strategy for your needs.

 

4 ways to make money blogging

 

If your website is receiving decent traffic, consider using any of the strategies listed below. If your readers aren't big The first two strategies are likely to be more appropriate. In any case, using multiple methods to earn money can increase the chances to make money.

 

1. Display advertising

 

You've no doubt seen digital advertisements for cell phones credit cards, cell phones and many other items on the websites you've visited. Businesses can bid to display ads on your blog, as well, using a program such as Google Adsense. You can choose what types of ads to run and the locations on the blog they'll appear, and you get paid when a reader clicks the ads.

 

Calculating your earnings potential is tough, but this detailed guide to can help. This is the basic concept that your website receives 2,800 views over the course of a month, and 1.5 percent of visitors click on a display ad -- that's 42 clicks. If the advertiser bid $75 cents for each click you'll be paying about $30.

 

"For a new blogger who is just starting out, a $30 or $50 check can be the only motivation they need to keep up their blog and eventually reach those higher payouts," says Joseph Hogue writer of "Make Money Blogging."

 

How much can you make blogging? Here's what Google says

 

Google is the king of content. Your content, that is. Google determines if readers are able to locate your blog through a search, and pays you to place its ads on your blog.

 

However, Google also knows how much money you make from the traffic your blog generates. This is all disclosed in the form of a .

 

Here are some examples of what Google considers you likely to earn annually from ads for a blog located in North America with 50,000 monthly page views based on the following content categories:

 

Sports: $2,538.

 

Entertainment and Arts 337,372 dollars.

 

Autos and vehicles 5520$.

 

Beauty and fitness Fitness and beauty: $7,806.

 

Shopping: $8,400.

 

Travel: $8,460.

 

Food and drink The cost is $8,598.

 

Finance: $19,278.

 

 

Naturally, the greater your target audience, the greater revenue you earn.

 

2. Repurposed blog posts

 

You're already producing content So why not share it in another form? Turn your blog posts into chapters of an e-book, which you could sell on Amazon.

 

Self-publishing isn't likely to make you rich, but "it's an excellent source of earnings that are passive," Hogue says. It's possible to forget about the content after compiling it and posting it to Amazon. Just collect a payment in the near future and.

 

Furthermore, you already have the perfect marketing platform and a suitable audience -- your blog. Hogue advertises his e-books about investing and passive income on his personal finance blog, PeerFinance101.

 

If your content can be translated into video, then you can look into .

 

3. Affiliate marketing

 

If you frequently refer to products on your blog, look into affiliate marketing. Let's say you run a blog about smoothies: You can link to a specific blender selling on Amazon in one of your posts, and if a reader clicks on the link and purchases the blender, you'll earn a commission.

 

Hogue states that a single purchase could put between a few dollars to hundreds in your pocket. To find products and advertisers for your site, join an affiliate program including ShareASale, CJ Affiliate, FlexOffers.com, Rakuten Marketing or .

 

Affiliate marketing is a serious income generator for bloggers. In 2017, Hogue earned roughly $2,000 per month this way from two of his blogs. He has heard of other bloggers who make use of it to bring in the tens of thousands of dollars per month.

 

This technique is best suited for blogs that receive lots of visitors. The more people who read the blog is the greater chance that an individual will view the blog post and click on the link to purchase the item.

 

>> MORE:

 

4. Content that is sponsored

 

Through this method, businesses pay you a fixed price to create a post on their product. For instance you or a blender manufacturer could create the post on your website on a specific blender that could also include a link to a site where users can buy it.

 

Sponsored content may be difficult to obtain in the case of blogs that don't get lots of visitors. However, if you have the chance, Hogue says even authors of blogs with low traffic levels should ask for at least $100. Ask for more if you are required written the content by yourself. You could ask for just a few hundred dollars once your blog has more followers.

 

There are opportunities via ad networks or making contact with potential sponsors. It is possible to receive unwelcome emails offering cash to promote a article.

 

This strategy isn't suitable an option for every person. Some bloggers feel uncomfortable promoting a product for money since it can make them feel as if "they're basically a shill for a sponsoring company," Hogue says. He recommends only promoting products you've actually tried and recommend. The products must be relevant, too that's why you shouldn't gush about a carpet cleaner on your smoothie blog -except if you're at risk of spilling your drinks.

 

The key to making money from blogging is to earn

 

No matter the tactic you pick, earning money from blogging requires patience. You'll never be able to earn a decent amount until your blog gets significant traffic and appears prominently in Google search results, and this requires time. You must also be a student of the blogging business. Hogue follows "blogs on blogging" as well as sites that dig into search engine optimization.

 

In light of the effort needed to earn money through your website, it's best to choose a subject you love. "You're going to be talking a lot about it and, sometimes, that passion is your only motive for starting a blog," Hogue says

 

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Do you want nerdy advice that's tailored to your money? All your money will be in one place, and gain customized information to maximize the value of it.

 

 

 

 

 

 

 

Author bios: Laura McMullen writes about managing the money of NerdWallet. Her writing has been featured on The Associated Press, The New York Times, The Washington Post, and other publications.

 

 

 

 

 

 

 

 

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How to transfer a car title Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by providing you with interactive tools and financial calculators as well as publishing original and objective content. This allows you to conduct research and compare information for free and help you make sound financial decisions. Bankrate has partnerships with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The deals that are displayed on this site come from companies that compensate us. This compensation may impact how and where products are displayed on the site, such as the order in which they be listed within the categories of listing, except where prohibited by law. Our mortgage, home equity and other home loan products. But this compensation does affect the information we publish, or the reviews you see on this site. We do not cover the entire universe of businesses or financial offers that may be open to you. Photo Concepts/Getty Images

 

3 min read . Published 11 October 2022

 

Kellye Guinan Kellye Guinan Written by Personal and Business Finance contributor Kellye Guinan is a freelance editor and journalist with over five years of experience in personal finance. She is also employed full-time at the local library where she helps the community to access information about financial literacy, as well as other topics. Edited by Helen Wilbers Edited by Helen Wilbers Editing for Bankrate from late 2022. He values clear reporting that helps readers easily get deals and make best choices for their financial situation. He is a specialist in auto and small business loans. The Bankrate guarantee

 

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There are money-related questions. Bankrate has answers. Our experts have been helping you manage your finances for more than four decades. We strive to continuously provide consumers with the expert guidance and the tools necessary to succeed throughout life's financial journey. Bankrate adheres to strict standards standard of conduct, so you can rest assured that our content is honest and accurate. Our award-winning editors and reporters produce honest and reliable content that will help you make the best financial decisions. The content we create by our editorial staff is objective, truthful and is not influenced by our advertisers. We're honest about how we are capable of bringing high-quality information, competitive rates and helpful tools to you , by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the placement of sponsored products and services or through you clicking certain links posted on our site. Therefore, this compensation may affect the way, location and in what order the items appear in listing categories, unless it is prohibited by law for our mortgage or home equity products, as well as other home loan products. Other factors, like our own proprietary website rules and whether the product is available within the area you reside in or is within your personal credit score can also impact the way and place products are listed on this site. Although we try to offer an array of offers, Bankrate does not include information about every credit or financial products or services. If you are currently selling, among the important steps is to transfer your car title. The is the legal document that identifies that the vehicle's owner is. Regulations and laws for title transfers differ by state. The process and procedures are usually simple, but you should check with the state's department for motor vehicles for requirements specific to your state. How to transfer a car title for a buyer the new owner of the vehicle, it is important to handle the paperwork as quickly as possible. You will not have legal ownership of the vehicle until you have the title transferred by working with the seller to allow the transfer to happen. The process usually involves a few set steps. Verify that you are the legal owner: Check the vehicle's VIN and ownership documents to make sure you're not buying an illegal . Also, note the odometer reading when you purchase the car. Seller transfers title the title: The seller of the vehicle must transfer title to your name by signing the release and transferring ownership to you. Ensure liens are cleared: If the seller holds a loan to the car, that lien must be resolved. A letter from the lender stating that the loan has been paidor simply checking to see if the title is free of lien with the DMV -- is enough. Get new title: After the owner's signature is approved on the title, and any liens have been removed, visit the DMV to get the new title issued in your name. Temporary title issued: In a lot of cases, the DMV can issue an interim title and send the final certificate within a few weeks. Transferring your title is simpler when you purchase from a dealer. The majority of dealerships handle the process for you. If you'd like to handle it, it's up to you and the seller to make sure that the paperwork is handled correctly. How do you transfer a vehicle title to a seller if you are a seller, you have to transfer the title to the buyer. This is an especially important step since you hold legal title until the transfer takes place. In the meantime, you'll be held responsible for any legal issues or charges that are incurred by the new driver. As the seller, you need to be the one to sign the old title in order that the buyer can get the title they want with their own name. To simplify the process, go to the DMV together with the buyer, and then get the document notarized if your state requires it. When more than one name is on the document, you need to check whether the words between the names on the title is "or" or "and" prior to completing the transfer. In the case of an "and," you will require the other named person to approve the transfer, too. to a dealership comes with lesser paperwork, but you'll likely earn less money through this route. But the dealership may take care of the title transfer for you. It is still necessary to confirm your title but it'll take less time in the end. How to transfer the title of a car using the help of a loan The transfer of a car title is relatively simple, it can be a bit more complicated. If the owner of the vehicle is still in the process of paying off an auto loan then the lender will likely have possession of the title. Check with the lender to ensure the loan is paid in full so that the new owner can . After that, you can ask for evidence of loan payment to the DMV in your area so that the transfer can occur. Documents needed Although the necessary documents differ by state, when the time comes to transfer the title at your DMV, you will most likely require the following documents for the bill of sale: Sale price Odometer reading date of sale. Insurance details Name and address of the buyer and recipient address Information about the license The bottom note that transferring your title to your vehicle is the final step of the buying or selling process, therefore it is essential to do it correctly. Be sure that all the owners of the vehicle agree to the transfer of title to buyer. Also, ensure that all lien holders are cleared to complete the sale properly. Since the rules differ by state, you should check with the local DMV and call ahead to confirm that you have all needed documents before you go in for the new title.

 

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Written by Business and personal financial Contributor Kellye Guinan is a freelance editor and writer with over five years ' experience within personal financial planning. She is also a full-time worker at her local library where she helps the community gain access to information on financial literacy, as well as other subjects. Edited by Helen Wilbers Edited by Helen Wilbers is editing for Bankrate from late 2022. He values clear reporting that helps readers successfully find deals and make the best choices for their money. He specializes in auto and small business loans. Similar Articles: Auto 3 minutes read on January 19 2023 Auto 4 min read Sep 20 20, 2022 Auto Loans 3 min read August 18 2022. Auto Loans 3 min read June 23, 2022

 

 

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Top 9 Quotes On Instant Same Day Payday Loans Online

 

Credit Cards with No Cash Advance Fee

 

 

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Credit Cards With No Cash Advance Charge

 

The majority of cards charge an upfront fee for advances, and then immediately charge hefty interest. Some cards, however, have no fees.

 

Written by Anisha Sekar Anisha is a former personal finance journalist for NerdWallet. She has worked with Silicon Valley startups as well as in the public sector and has contributed to publications including Technorati along with Women Grow Business. She completed her studies in applied mathematics and economics at Brown University.

 

 

 

 

 

 

Updated June 1, 2022 1:54PM PDT

 

 

 

 

 

 

 

 

A majority of the products featured here are provided by our partners, who pay us. This impacts the types of products we review and where and how the product is displayed on a page. However, it does not affect our assessments. Our views are our own. Here is a list of and .

 

 

 

 

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If you're in a difficult situation, it can be a helpful (if costly) way to get fast cash. However, it's usually expensive, and for three reasons:

 

Cash advance charges. These may be a flat rate of between $5 and $10 for cash advances, or up to 5percent of the amount that is lent. It could be a percentage with a minimum dollar amount -for example, 10% or 3 or $10, depending on the amount that is greater.

 

Bank or ATM fees. These fees are imposed through the institution responsible for the transaction -- which is the owner of the ATM or the bank where you receive your cash advance.

 

Interest. Some credit cards charge more interest on cash advances than for purchases. There's also no limit rate, which means that interest starts to accrue as soon as you get that cash.

 

 

It's rare to find credit card that don't have cash advance charges, but they exist. Some cards also charge the same APR for advances as on purchase, and this is beneficial because they'll still be charging interest on cash advances as soon as it is made. If you need to advance funds, the card with these features is sure to be an advantage -- but remember, it is a strategy of last choice. Before you take the credit card you have to the ATM, you should consider alternatives to cash advances for instance, cards that give the ability to either .

 

Here are a few options for credit cards that do not charge a charge for cash advances.

 

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PenFed Platinum Rewards Visa Signature(r) Card

 

NerdWallet's ratings are based on the work of the editorial staff. The scoring formula takes into account the kind of card being evaluated (such like cash back or balance transfer) and the card's rates in addition to fees, rewards, and other benefits.

 

 

 

 

 

It does not have a cash advance fee, but it will charge the highest interest rate on the card. Otherwise, the $0 -annual-fee card boasts a sign-up bonus and impressive ongoing rewards:

 

5 points for $1 for gasoline at the pump, and charging stations for electric vehicles.

 

3 points per $1 spent on supermarket purchases, restaurants and dining, as well as TV, radio cable, as well as streaming.

 

1 point for $1 spent on other purchases.

 

 

There are some disadvantages. Points can be used to purchase gift cards, travel and merchandise, but not cash returned. The card requires good credit to qualify. Also, you must join PenFed to be eligible for the PenFed Platinum Rewards Visa Signature(r) Card . This isn't difficult , but presents an extra hurdle. To join, create a savings account at PenFed with a $5 minimum deposit.

 

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Chime Credit Builder Visa Secured Credit Card

 

The is another possibility for those wanting to build credit, and it functions differently from more traditional credit cards. Instead of a security account, you can use the card in conjunction with a Chime Spending Account, which is the first account you open.

 

From there, you move money from your spending account to your Credit Builder secured account, which essentially allows you to create an account budget for your spending with credit cards. When the bill has been paid, money is removed from your Credit Builder secured account. The card charges no interest since it makes it not possible to make purchases that exceed the amount you have deposited into the account.

 

You can use the Chime Credit Builder Visa Secured Credit Card at any ATM without incurring interest. If you utilize an in-network ATM, you won't be charged any fees. You can locate ATMs in network within your region on the Chime app.

 

Nerdy Tip

 

On July 6 2021, the non-profit news agency ProPublica discovered that a lot of Chime customers' accounts were closed without notice, thereby leaving them with no access to funds. The report by ProPublica states that Chime stated that a number of account closings were due to fraud, but it also admitted that several of the closures were mistakes. If your account was shut down by Chime or other neobanks without notice, there are to possibly rectify the situation. Act quickly by contacting the neobank directly to discuss the situation. If you're not helped by the neobank you can file a complaint with the Consumer Financial Protection Bureau.

 

 

 

DCU Visa(r) Platinum Secured Credit Card

 

NerdWallet's ratings are determined by the editorial staff. The scoring formula takes into account the kind of card being evaluated (such like cash back or balance transfer) as well as the card's rate in addition to fees, rewards, rewards and other features.

 

 

 

 

 

The offer includes no cash advance fee with the same rate for cash advances that the charges on purchases. ( The ongoing APR is 16.00 percent variable .) This is a great option for people seeking to improve their credit. It is a no-cost annual fee, but it provides no reward on an ongoing basis. It also is required to make a $500 minimum amount of security, which can be high when compared with other .

 

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Prosper Card

 

The Prosper Card is an for those developing credit. It has an annual fee of $39 which is waived for the first year when you enroll in autopay prior to the time you receive your first statement. It is accepted at ATMs in which Mastercard is accepted. Prosper will not charge an ATM fee. However, you could be charged fees by the owner of the ATM, in addition, you'll pay the card's maximum interest rate.

 

There's no sign-up bonuses or rewards that are ongoing, however Prosper will check your account every three months to determine if you qualify for a credit limit increase.

 

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About the writer: Anisha Sekar is a former personal finance writer for NerdWallet. She worked for Silicon Valley startups and in the public sector. She was a mathematician who studied applied economics in Brown University.

 

 

 

 

 

 

 

 

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