Jan 17, 2026
Trump’s Proposed 10% Credit Card Interest Rate Cap: What It Could Mean for Your Debt
There has been a lot of buzz in the news recently about President Trump’s proposed 10% cap on credit card interest rates and what it could mean for people struggling with high balances. While this is still a proposal, the bigger question for consumers is simple: If your interest rates were lowered for a year, would it help you get…
Read moreJan 16, 2026
![[Memo] Chase Changing Rules Around Signup Bonus Eligibility For Sapphire Reserve & Sapphire Preferred](https://www.mycardopinions.com/wp-content/uploads/2026/01/Memo-Chase-Changing-Rules-Around-Signup-Bonus-Eligibility-For-Sapphire.jpeg)
[Memo] Chase Changing Rules Around Signup Bonus Eligibility For Sapphire Reserve & Sapphire Preferred
Based on a new memo sent out to Chase bankers: beginning 1/25/26, Chase will be clarifying the disclosures on their Sapphire Reserve and Sapphire Preferred to make it clear that customers can earn a bonus on each card version, one bonus per card, even if they currently have an active card. See full text and image below. Here’s my interpretation…
Read moreJan 16, 2026
5 Money Habits to Reduce Stress All Year Long
If financial stress has been weighing you down, you aren’t alone. Around 43% of Americans cite money as a factor negatively impacting their mental health, according to a recent Bankrate survey. January is the perfect time to reset your financial mindset and create routines that bring peace of mind all year long. By building good money habits now, you can take control of your finances and feel…
Read moreJan 15, 2026
Amtrak Rail Pass: $250, Save $249
The Offer Direct link to offer Amtrak is offering the USA Rail Pass for $250, save $249 The Fine Print Buy by January 20, 2026 Pass is valid for 120 days after purchase (30 days after first segment is traveled). Coach travel only. Our Verdict This is the lowest I’ve ever seen this. Previously deals have been for $299 or…
Read moreJan 14, 2026
What Is a Debt Management Program? A Credit Counselor Explains
When people hear the phrase debt management program, there’s often confusion, hesitation, or even fear attached to it. As a credit counselor, I see this every day. Many individuals know they’re overwhelmed by debt, but they don’t fully understand what their options are or what credit counseling actually does. I recently had the opportunity to speak publicly about debt management…
Read moreJan 14, 2026
(Update) Chase Sapphire Reserve ‘Points Boost’: Removes 1.5% Travel Redemption, Adds Boost Feature For 2% On Select Travel
Update 1/13/26: People are now seeing the ‘courtesy adjustment’ to bump up their redemptions to 2 cents for bookings made through 12/22/26 (see update below). Update 12/18/25: Chase announced that they’ll be honoring a 2¢ value for all The Edit properties booked through 12/22/25. This includes prior bookings done at the lower value, as well as future bookings through the…
Read moreJan 13, 2026
The Ultimate 2026 Financial Reset Checklist
Did the holiday season leave your finances in the red? A temporary setback doesn’t have to become a permanent burden. This is where a financial reset can help. A 2026 financial reset is a strategic plan designed to help you recover from holiday overspending and realign your budget for the new year. Beyond basic budgeting, this checklist outlines a framework…
Read moreJan 12, 2026
![[Expired – $20 Ending] Laurel Road $300 Checking Bonus + $20 Per Month, Available Nationwide](https://www.mycardopinions.com/wp-content/uploads/2026/01/Expired-20-Ending-Laurel-Road-300-Checking-Bonus.png)
[Expired – $20 Ending] Laurel Road $300 Checking Bonus + $20 Per Month, Available Nationwide
Update 1/12/26: Some readers still have this account open for the $20 per month reward. February will be the last month this is offered: If your checking account earns a Monthly Loyalty Reward, February will be the last month this reward is offered. Loyalty Rewards ProgramYour membership in the Laurel Road Loyalty Rewards Program will end at close-of-business on Friday,…
Read moreJan 11, 2026
![[MD only] APGFCU $300 Checking Bonus](https://www.mycardopinions.com/wp-content/uploads/2026/01/MD-only-APGFCU-300-Checking-Bonus.png)
[MD only] APGFCU $300 Checking Bonus
Update 1/8/26: Deal is back until 3/31. Hat tip to reader snailrock Extended to August 31, 2025 Update 5/31/25: Deal is back and valid until June 30, 2025. Hat tip to ShawntheShawn Update 4/13/24: Bonus has increased from $250 to $300, but direct deposits need to be $500+ and recurring now. Offer at a glance Maximum bonus amount: $100 Availability: You must…
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