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Ben Luthi

Ben Luthi is a personal finance writer and a credit cards expert who loves helping consumers and business owners make better financial decisions. His work has been featured in Time, MarketWatch, Yahoo! Finance, U.S. News & World Report, CNBC, Success Magazine, USA Today, The Huffington Post and many more.

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110 posts

How Does Refinancing a Car Work?

Published 07/25/2018 by Ben Luthi

Refinancing a car loan is the process of replacing your original auto loan with a new one. That much is obvious, but how does refinancing a car work

How to Get Approved for Store Credit Cards

Published 07/05/2018 by Ben Luthi

Store credit cards don’t offer the same caliber of rewards and perks as some of the best credit cards on the market. But if you have bad credit, they might be a solid choice.

Whether you’re looking to improve your credit score or just need a credit card for the credit line, you may be wondering which credit card is the easiest to get? Eligibility requirements are especially important if your credit score is relatively low.

Moving to the U.S. can cause culture shock for some, and the country’s credit system can make it difficult for you to start your life here. If you don’t have a credit history, it can be hard to get an apartment or even some jobs. And for the most part, forget about getting a loan.

Compare more options: see every card on our credit cards to build credit listing, ranked by user reviews, including unsecured cards that need no deposit.

Unfortunately, there are no debit cards that build credit. Debit cards and credit cards have different functions and purposes, so if you try to get a debit card that builds credit, you’ll be disappointed.

There’s no such thing as a prepaid credit card that builds credit. In fact, the term “prepaid credit card” itself is a misnomer. There are two different products it could be describing: a secured credit card or a prepaid debit card.

If you’re just starting out with credit or you’ve made some major credit missteps, you may notice how hard it is to get a good credit card. You’ve probably run across some easy approval credit cards, but a lot of them don’t look that great.

If you’re trying to figure out how to build credit fast, a credit card is one of the best ways to do it. However, some credit cards make it harder to build credit than others.

Best Robo Advisors in 2026

Published 05/11/2018 by Ben Luthi

Robo-advisors have become an extremely popular investment tool for Millennials and other investors. Rather than requiring you to make decisions like a passive investment strategy or pay high fees as you would with an active management strategy, robo-advisors enlist the help of technology to manage your portfolio.

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