Personal Finance
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Sarah Hostetler

Sarah Hostetler

Sarah Hostetler is a freelance writer and has been featured on Million Mile Secrets and The Points Guy. She covers topics on points and miles, credit cards, airlines, hotels, and general travel.

Articles by Sarah Hostetler

Public App Review

Public App Review

The Public app has a lot going for it, but experienced investors will be underwhelmed. And that’s OK—Public doesn’t claim to be the most well-rounded choice.

credit utilization ratio

Credit Utilization Ratio: All You Need to Know

Endeavor to keep your credit utilization below 30%. That’s the key to harnessing the “amounts owed” component of your credit score and keeping your credit healthy.

build credit

6 Ways to Build Credit Without A Credit Card

There are loads of ways to improve your credit profile that don’t involve credit cards. Some don’t even require an application of any sort.

fair credit score

What Is A Fair Credit Score

A fair credit score isn’t sufficient to thrive in the world of credit. Let’s look at what you can expect with such a score as well as some ways to increase it.

credit score

How Do I Check My Credit Score

Knowing your credit score can help you to understand realistic options when it comes to applying for credit cards—and even spot things like fraudulent activity.

Best Spring Break Destinations

Best Spring Break Destinations for 2024

Don’t feel like you must plan the same Caribbean spring break trip as everyone else. Plenty of destinations have just as much beauty and adventure, but without overtourism.

Chase DoorDash Rewards Mastercard Review

Chase DoorDash Rewards Mastercard Review 2024

If you’ve ever used a food delivery platform, you know the fees can be frustrating. The Chase DoorDash Rewards Card helps in a few ways.

debt consolidation loans

Best Debt Consolidation Loans for January 2024

Depending on the size of your debt, you could save thousands of dollars by eliminating high-interest credit card balances with a debt consolidation loan.

Chase Ink Business Preferred Credit Card Review

Chase Ink Business Preferred Credit Card Review 2024

The Chase Ink Business Preferred offers a generous welcome bonus and rewards program, and excellent insurance coverage. Learn more.

rewards checkin accounts

Best Rewards Checking Accounts January 2024

If you’re one of the many who aren’t funneling money through a rewards checking account, you’re effectively lighting dollar bills on fire.

Debt Management Plan

Does a Debt Management Plan Affect Credit?

A debt management plan is one of the least painful ways to climb out from under the thumb of crippling credit card balances.

when can i increase my credit limit

When’s a Good Time to Request a Credit Limit Increase?

If you’ve got a good relationship with your bank due to on-time payments and routinely low credit card balances, you’re justified in asking for a credit line increase.

best auto loan companies

Best Auto Loan Refinance Lenders for January 2024

It can be time-consuming and daunting to sift through the (seemingly endless) possibilities to find the best auto refinance lender for you. We’ve narrowed down the options to help you make the best choice.

Delta Skymiles Reserve Credit Card Review

Delta SkyMiles Reserve American Express Card Review

The Amex Delta Reserve’s $550 annual fee is one of the easiest to justify for Delta flyers. You’ll save more than $1,000 each year with a bit of strategy.

best rewards credit cards

Best Rewards Credit Cards in January 2024

Opening the best rewards credit cards can mean hundreds of dollars in cash back each year, free travel, discounts at your favorite restaurants, and more.

chase vs capital one credit cards

Chase Freedom Unlimited vs Capital One Quicksilver Cash Rewards Credit Card

Whether you’re interested in cash back or travel rewards, either card can be a powerful tool in your financial utility belt — but one is the clear winner.

Capital One VentureOne Rewards credit card review

Capital One VentureOne Rewards Credit Card Review

Capital One VentureOne is one of the only no-annual-fee credit cards that gives you the power to transfer rewards directly to airlines and hotels.

upgrade credit card review

Upgrade Credit Card Review 2024

The Upgrade Credit Card has almost a parental relationship with its cardholders. Whether you consider that a pro or a con depends on your perspective.

apply for credit card

Does Applying for a Credit Card Hurt Your Credit?

If you use your credit responsibly, you’ll be able to increase your credit score far beyond what it was before you submitted your application.

Capital One Spark Cash Plus vs. Ink Business Cash 2024

These cards both come with astonishing welcome bonuses. And with some strategy, you can even transfer them to airline and hotel programs for free travel.

best store credit card

Best Store Credit Cards for January 2024

You’ve almost certainly been standing at checkout and staring down the barrel of a painfully rehearsed store credit card pitch. Did you take the bait?

Defaulting on Credit Cards

Defaulting on Credit Cards: Why It Happens and What to Do

Defaulting on a credit card is one of the worst things you can do for your credit. Here’s how to avoid it—and what to do if you’re already experiencing default.

charge card vs credit card

The Difference Between a Charge Card and a Credit Card

There are really only a couple of dissimilarities—but they’re doozies. Before you go applying for one or the other, you should know what they are.

credit card grace period

Credit Card Grace Period: What It Is And How It Works

Did you know that you can receive what essentially amounts to a short-term loan from the bank without paying a lick of interest?

credit card skimming

Credit Card Skimmers: How to Spot And Avoid Them

Credit card skimmers come in all shapes. Sometimes they’re false keypads or card slot attachments. With a bit of diligence, you can avoid them nearly every time.