Clark Howard

Inflation silver lining: New IRS tax brackets for 2024. By historical standards, tax rates are low – at 12% on average. Understand how this informs financial planning, from Roth IRA conversion to home buying. In an era of historically low tax rates, don’t fall for irrelevant “tax smart” pitches. Also today, a very scary reason why you should always receive paper statements or keep digital records for all financial accounts.  

• New Tax Brackets: Segment 1
• Ask Clark: Segment 2
• Financial Account Statements: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Today in History – December 7 | Library of Congress
• Inflation Causes IRS to Raise Tax Brackets, Standard Deduction by 5.4%
• Should I Convert a Traditional IRA to a Roth IRA?
• How To Use Priceline To Save on Travel
• BBB-File a Complaint
• Return a Gift – Amazon Customer Service
• Clark’s Christmas Kids
• Why Banks Are Suddenly Closing Down Customer Accounts
• My Wells Fargo bank account was closed with no warning – I lost all my life savings but they said it didn’t exist
• The #1 Bill You Should Get by Mail
• What’s the Best Place To Sell a Car in 2023?
• What Brokerage Do You Recommend for First-Time Investors or Kids?

Clark.com resources

• Episode transcripts
• Community.Clark.com
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

Learn more about your ad choices: megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

The post 12.07.23 New Tax Brackets Favorable / Proof Of Money! Your Account Statements appeared first on Clark Howard.

Evaluating whether to buy an electric car such as a Tesla has become a dynamic decision.

It forces you to keep track of government tax credits, a slew of recent price changes, infrastructure details as far as charging stations and more.

Not long ago, if you wanted to buy a decent electric vehicle, you needed to buy a Tesla. Competition is sprouting up fast. And now EVs are a big enough part of the American vehicle economy that you may consider buying used as well.

What is the best option right now for someone thinking about buying or leasing a Tesla?

I’m Thinking About Buying or Leasing a Tesla. What Does Clark Recommend?

Should I buy or lease a Tesla, or stick with one family vehicle?

That’s what a listener recently asked money expert Clark Howard.

Asked John in California: “I am considering buying a Tesla but … [it] looks like the fed tax credit will end this year and it’s uncertain if it will be extended or renewed.

“My partner and I have one car. We managed to make this work due to working from home, but I really would like to have two cars.

“What are your thoughts on getting a Tesla now and would you recommend leasing or buying? Lease is generally not a good idea but I heard technology might change and there may issues with the battery.”

It sounds like John wants a second car but doesn’t necessarily need one. In this instance, John should avoid overspending, Clark thinks.

It’s becoming more and more possible to get a great deal on a new Tesla. But there’s probably a way to make an even more cost-effective decision.

“You sound like a household that needs one and a quarter cars,” Clark says. “And if you’re interested in electric, and you live in California where the cost of gasoline is just about the highest in the country, electric makes a lot of sense.

“Now this is weird, but you might consider buying a used electric vehicle. Because they depreciate very quickly. Your [mileage] range needs may not be that great. Older electric vehicles, that’s the big shortcoming is they have limited range.”

Is Now a Good Time To Buy a New Tesla?

If John’s heart is set on buying a new Tesla, Clark says, it’s a good time to do so.

“The tax credits are not going away. That’s still going on,” Clark says. “And Tesla has had much softer sales of late. They’ve been having trouble moving their vehicles.

“That’s why they’ve had all these price cuts. So buying a Tesla right now is very, very, very favorable.”

Clark also mentioned that John’s worries about the battery packs are mostly unfounded. They’ve proven to be “very reliable,” says Clark, who drives a Tesla himself.

“I don’t know if you’re interested in a Model 3 or a Model Y. But after tax credits – you also have a state tax credit in California – you’re looking for a Model 3 new paying somewhere in the $20,000s and for a Model Y somewhere in the low $30,000 range,” Clark says.

“And that’s incredible if you think about just a year ago people were paying in the $60,000s for a Model Y that now effectively is in the $30,000s. And the vehicle is a very, very reliable vehicle.”

Final Thoughts

If you only want an electric vehicle to bounce around your city shopping for groceries and running errands, you can probably score an incredible deal on a slightly used model.

However, if you really want to buy a new Tesla, now is a great time to do so. The vehicles are reliable, the infrastructure keeps getting better and the prices are a lot more attractive than they were in the recent past.

The post I’m in a 1-Car Household. Should I Lease or Buy a Tesla? appeared first on Clark Howard.

Bin stores, aka discount, surplus or salvage outlets – go by many names, but collectively serve an oversupplied retail market these days. Such stores specialize in selling returns and other troubled goods, offering a shortcut to lower prices. Also today, home insurance is a broken market in coastal areas, but one coastal state is adapting so well, premiums have decreased. 

• Bin Store Savings: Segment 1
• Ask Clark: Segment 2
• New Coastal Building Standards: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• What’s a bin store, and why should you check one out?
• Should I Tip on a Cruise? 
• Booking a Cruise? Here Are 5 Ways To Do It for Less
• Clark does not purchase extended warranties!
• Retailers Offer Me Warranties on Everything I Buy Now. Are Any of Them Worth It?
• The Coastal State Where Home Insurance Is Relatively Affordable – WSJ
• Some houses are being built to stand up to hurricanes and sharply cut emissions, too
• NYTimes.com: A Climate Change Success Story? Look at Hoboken.
• Home Insurers To Be Scrutinized In Climate-Risk Study
• The Best Places To Sell Your Cell Phone

Clark.com resources

• Episode transcripts
• Community.Clark.com
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

Learn more about your ad choices: megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

The post 12.06.23 The Pros & Cons of Bin Stores / Home Insurance In Coastal States appeared first on Clark Howard.

It is no secret that money expert Clark Howard loves all things Costco. It is easy to see why with staples like their Tire Center and Optical Department as well as a constant array of new inventory. 

As a superfan of Costco myself, I love walking through the store and discovering fresh, new products. Sometimes, these products are from top-name brands. Sometimes, they are from small, local companies. Regardless, it is all part of the fun. 

New Products at Costco This Month

Each month, I will take a look at the newest Costco products. While the majority will be under $100, if I find a particularly good deal, I will let you know about it. 

Remember: Costco products are not guaranteed to be there from month to month, so if you discover a new product that you can’t live without, be sure to snag it.

This month I am tilting my focus toward the direction of holiday gift-giving and essentials to help with upcoming holiday plans.

Kirkland Signature Logo Pet Hoodie

Why I chose this: 

I had to kick off this list with a gift for our four-legged friends. The Kirkland Signature pet hoodie is a new item at Costco, and it is going fast! I mean fast! It was available online off and on several times in the past few days. However, my local store had a healthy supply so be sure to check there if you can’t snag them online.

There is a disclaimer that they may be cheaper in person and that was true at my local Costco: $2 cheaper coming in at $12.99.

Kirkland Signature Caramel S’Mores Clusters

Why I chose this:

I am not an expert on novelty snacks, but a Costco employee was chatting me up about these Caramel S’mores Clusters. 

I picked these up as a treat for family visiting from out of town. We gave these clusters ten thumbs up! They exceeded my expectations by a long shot, and when I stepped back into my club, I made it a point to thank the associate for their recommendation. Give these a try! 

Coming in at $11.99 per bag online, these are selling in-club for $8.99 per bag.

Homedics Air Shiatsu Max Foot Massager with Heat

Why I chose this:

This is a 2-part answer. The first part was because it looked incredible after making several passes through the store. But the biggest reason was because it would make a wonderful gift at a great price. Similar ones are being sold online at Kohl’s and Amazon for around the same price. But if you can pick this up in person, you can find them for $12 cheaper, making the price $117.99. 

Hallmark Holiday Recyclable Gift Bags, 20-count

Why I chose this:

Gift bags are expensive! But this pack of 20 bags comes in all shapes and sizes with various themes, making the total cost less than $1 per bag. Perfect for holiday gifting without breaking the bank.

Traveler’s Choice Granville II 2-piece Luggage Set

Why I chose this:

When I was in the store, I saw a bunch of different luggage sets. Upon checking online, I noticed this was one of December’s most viewed Costco products. Paired with incredible reviews and a great price, this set is worth checking out.

Izod Men’s Soft Wash Essentials Button-Up Shirt

Why I chose this:

Costco periodically sells the Izod brand as jackets, shorts, and even button-up shirts. I wanted to add this to the top holiday finds list because of the fantastic price and wide selection of sizes and colors. This is a sharp-looking shirt for the price.

Assorted Sporting Events

Why I chose this:

Chances are you know a sports enthusiast. In my family, we are always divided on the teams that we support. I am an Atlanta Falcons fan, while one brother loves the Dallas Cowboys. My other brother loves the Denver Nuggets, while I cheer for the L.A. Lakers. 

No matter what team you support, this deal from Costco is a great way to bring sports-loving families together and offers discounted tickets to a wide range of sporting events.

Costco just added seven new sporting events for the new year, but hurry! These may go fast.

Ferrara’s Bakery 8 in. Tiramisu Cake, 2-pack

If you find yourself in NYC often, like me, you may have had a chance to visit the world-famous Ferrara Bakery.

Costco now sells a 2-pack of their 8-inch Tiramisu cake! Each cake serves 10-12 people. While this is not a budget dessert option, it will be cheaper than a trip to NYC and will be a treat for the whole family.

VOLT Landscape Lighting 9-piece Path & Area Light Brass LED Starter Kit

Why I chose this:

Despite the $599.99 price tag, this landscape lighting set is a great value and will improve the curb appeal of your home. It also includes a lifetime warranty.

I looked online, and you save over $100 buying at Costco vs. directly from the manufacturer. Amazon sells a similar one by the VOLT brand for hundreds of dollars more.

Note that this kit is only available online.

Connect 4 Giant Edition

Why I chose this:

Are the kids coming home from college? Maybe they are home for the winter break? Costco is selling this Giant Connect 4 game! I have to say this looks pretty awesome. Based on the description, it shows all-weather material and is easy to put together. 

I called my local Costco and I was told it was on the way to the store. I will give an update if I can snag a picture.

Nutribullet Centrifugal Juicer Pro

Why I chose this: 

With the year ending and new resolutions being put in place for 2024, healthier eating and drinking come to mind. While this juicer is $99.99 on Costco.com, it is $20 cheaper in the store which is on par with other retailers right now. 

Lovesac Sac Bundle with Squattoman and Footsac

Why I chose this:

I have been intrigued by the furniture at Lovesac but was discouraged by the high prices. Fear not as Costco now sells select pieces, including this bundle. 

This is a limited-time deal at Costco that ends on Dec. 24. But for now, you can snag this set for $649.99. Lovesac sells a similar one directly on their site for nearly double the Costco price! If you have been on the fence and want to try it, now is the time.

If you decide it isn’t for you, don’t forget: Costco has one of the most generous return policies out there! 

Final Thoughts

This is just the tip of the iceberg for December. As of today December 5, 2023 there are more than 200 new items available at Costco.com. 

Be sure to check back every month as we update this list. Also, check out our social media channels to see me walking the store and showcasing some of these new products. 

Can’t wait until next month? You can find even more great Costco deals at Clark Deals right now.

Not a Costco member? Check out these things that will pay for your Costco membership!

Have you tried any of these items recently or know of any others that Costco has added? Let us know in our Clark.com Community!

The post 12 Best New Products at Costco in December appeared first on Clark Howard.

This week, Tello Mobile revealed a new lineup of cell phone plans. The new plans include more options, more high-speed data and lower prices. 

In this article, I’ll take a closer look at Tello’s new plans, including what you’ll get for the price and how they compare to other available cell phone plans. 

New Tello Mobile Plans Available Now

Tello Mobile recently expanded its plan selection to include seven different high-speed data options. Each high-speed data option can be paired with no minutes, 100 minutes, 300 minutes, 500 minutes, or unlimited minutes. All of Tello Mobile’s plans include unlimited texting and mobile hotspot capabilities.

Here are Tello’s plan options with unlimited minutes:

• 1GB of high-speed data for $9/month (previously $10)
• 2GB of high-speed data for $10/month (previously $14)
• 5GB of high-speed data for $14/month (previously $19)
• 10GB of high-speed data for $19/month (new plan)
• 15GB of high-speed data for $24/month (new plan) 
• 35GB of high-speed data for $25/month (previously 25GB for $29)

Tello eliminated plans with 500MB, 6GB and 8GB of high-speed data. New plan options include 10GB or 15GB of high-speed data per month. Additionally, Tello’s unlimited cell phone plan previously included 25GB of high-speed data monthly for $29. Now, the same unlimited plan costs $25 per month and includes 35GB of high-speed data before slowed speeds.

All of Tello Mobile’s plans include free unlimited texting. Plans that include calling can also be used for calls to over 60 countries. Plus, no matter how much high-speed cellular data you have with Tello, you’ll always have unlimited 2G data and mobile hotspot tethering. 

You can visit Tello’s website to check out the new plans. Before you decide to switch, be sure to also read our full Tello Mobile review. 

Tello Mobile: An Affordable T-Mobile MVNO

If you aren’t familiar with Tello, it’s an MVNO (mobile virtual network operator) that uses T-Mobile’s network to deliver service to its customers at a major discount. If you have service in your area from T-Mobile, you’ll likely also be covered by Tello.

Other resellers and MVNOs that use T-Mobile’s towers include Mint Mobile, Metro by T-Mobile, Republic Wireless, Consumer Cellular and more. 

Compared to T-Mobile itself, you’ll find an excellent price with Tello’s phone plans. T-Mobile’s postpaid plans start at $60 for one line (Essentials unlimited plan with an autopay discount). While you’ll get more high-speed data and additional postpaid benefits, you’ll find a much better price with Tello’s $25 unlimited plan (35GB of high-speed data per month). 

Compared to other prepaid plans, Tello Mobile’s prices are still hard to beat. Connect by T-Mobile offers plans beginning at $10/month for 1GB of high-speed data, but Connect’s biggest plan costs $35/month and only includes 12GB of data. T-Mobile Prepaid’s plans begin at $40/month for 10GB of data, which only costs $19 with Tello.

If you’re looking for unlimited data, Tello’s new $25 plan with 35GB of high-speed data is worth considering. To compare, Visible (a prepaid Verizon Wireless reseller) has unlimited plans with no high-speed data cap beginning at $25/month.  Boost Mobile also offers an unlimited plan for $25/month with 30GB of high-speed data. Mint Mobile (T-Mobile’s network) offers an unlimited plan with 40GB of high-speed data for $30/month.

Final Thoughts

Tello Mobile has been one of the cheapest options available on T-Mobile’s network for a while, and now you’ll find even more high-speed data for a lower price. 

Tello’s cheapest plan, 1GB of high-speed data plus unlimited talk and text for $9/month, is one of the cheapest monthly phone plans you’ll find with high-speed data. For one more dollar, you can get double the high-speed data per month with Tello’s 2GB plan. Finally, if you need a significant amount of monthly high-speed data, Tello’s unlimited plan is also a great deal. 

Be sure to check out our full Tello review before you purchase a plan. If you’re still hesitant to make the switch, I recommend ordering a SIM card and trying out the 1GB plan for a month before you cancel your current cell phone service. Then, you can test out the service in your area yourself for only $9 before committing. 

If you do decide to switch to Tello, be sure to also check out our step-by-step guide to switching cell phone service providers.

Will you be switching to one of Tello’s new plans? Let us know in our Clark.com Community!

The post Tello Mobile Unveils New Phone Plans With More Data and Lower Prices appeared first on Clark Howard.

To rephrase a quote from President John F. Kennedy, ask not what you can buy from Costco — ask what you can’t buy.

It’s well-documented that Clark loves furniture, engagement rings and caskets from Costco. You can book a vacation, fill your gas tank and even get an eye exam at the warehouse club.

But what about buying a car? Should you make use of the Costco car-buying program?

Costco Car Buying Program: What Are the Pros and Cons?

Should I buy my next vehicle through my Costco membership?

That’s what a listener recently asked Clark.

Asked Sandra in California: “Do you recommend I arrange a car purchase through the Costo Auto Program? Please elaborate on the pros and cons.”

In case you’re not familiar, a car-buying service can help you avoid the hassle of visiting dealerships and negotiating prices. Instead, representatives shop for a vehicle on your behalf.

If you find a car you like, the representative will connect you to a dealership, which often gets you competitive pricing. 

“The Costco car-buying program is just about the best car-buying program in the United States,” Clark says. “Because Costco has this very large membership base I think of 60 million Americans. And they’re significantly more affluent on average.”

More affluent people tend to buy new cars. So dealerships need Costco customers, Clark says.

“Costco only appoints one dealer of each brand in each metro area. So that dealer has to live by Costco’s code of ethics. They are not allowed to play games or they get booted to the curb and they’re replaced,” Clark says. “So the Costco program is really clean.

“The manufacturers also know especially for higher-end vehicles that Costco is a big conduit for buyers. So the manufacturers will offer special deals to Costco buyers that are not available elsewhere.”

Costco Maintains Standards for Its Car-Buying Program Dealership Partners

There’s a pop culture saying that “snitches get stitches.” But in this case, snitching is encouraged if you aren’t treated well. Costco is a stringent gatekeeper of the dealerships with which it works.

“If you ever go to buy a car through the Costco car-buying program and they don’t treat you right at that dealership, you report them immediately,” Clark says. “You rat them out to Costco’s auto-buying program.

“And they get enough complaints about a dealer, I’m telling you, that dealer, it doesn’t matter how much volume they’re moving, they’re out of the program. So it is a true consumer-oriented program.”

What Are the Cons of the Costco Car-Buying Program?

All that sounds great. But there have to be at least some downsides to the Costco car-buying program. At least for some people. Right?

The program isn’t designed for people looking to score the best possible deal on a specific vehicle, Clark says. People willing to travel and expand their search can often find better deals.

“[Costco’s program] is designed for you to buy local,” Clark says. “And often if you’re a really good shopper and you’ll shop a wide geographical area. Let’s say up to 500 miles from where you live, 1,000, 2,000, anywhere in the country.

“You’ll get a lower price if you shop geographically wide for a car. The Costco program makes it easy and gets you a good price on a vehicle. Not necessarily the absolute lowest you could get.”

Final Thoughts

Clark calls the Costco car-buying program possibly the best in the United States. You should work with a vetted dealership that’s incentivized to woo you as a customer.

However, if you expand your car search beyond your local city, you can probably find a better price on a vehicle.

The post What Are the Pros and Cons of the Costco Car Buying Program? appeared first on Clark Howard.

Now is the time to Save More. Clark makes economic predictions based on global indicators, with advice for timing saving and spending to get the most from your money. Also in this episode, a long promised technology is finally being tested – Amazon drone deliveries. 

• 2024 Deflation: Segment 1
• Ask Clark: Segment 2
• Delivery Drones: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Right Now Is a Bad Time to Spend Money
• China Is Making Too Much Stuff—and Other Countries Are Worried
• Has Your Emergency Savings Stash Grown? It Might Be Time For A Reality Check
• How To Create a Safe Password
• Telly’s free TV could shake up the entertainment business
• Treasury: Series I bond rate is 5.27% through April 2024
• NYTimes.com: Look, Up in the Sky! It’s a Can of Soup!
• How To Spot and Avoid Gift Card Scams
• The National Foundation for Credit Counseling
• Home – Elliott Report
• Clark’s Christmas Kids

Clark.com resources

• Episode transcripts
• Community.Clark.com
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

Learn more about your ad choices: megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

The post 12.05.23 The 2024 Economy / Delivery Drones appeared first on Clark Howard.

Picture this: It’s winter. You live somewhere snowy. But instead, you fly to Hawaii and spend four months soaking up the sun beachside.

That’s the situation that a Clark Howard podcast listener finds himself facing.

Sounds wonderful. The only problem? Figuring out how to get around the island for that long.

What do you do if renting a car is expensive and leases seem nonexistent?

I Want To Rent a Car in Hawaii But It’s Too Expensive. What Should I Do?

Renting or leasing a car in Hawaii during an extended stay seems expensive or implausible. What should I do?

That’s what a listener recently asked Clark.

Asked Doug in New York: “We plan to winter in Hawaii for January to April. Renting a car would be very expensive. I have looked for leases to no avail. How can we do this the most cost-effective way?”

Spending four months in Hawaii will probably be expensive no matter what you do. But paying for a rental car for four months can be wildly expensive, as I’ll look at later in this article.

Taking Uber or Lyft every day also seems to be a great way to drain your bank account in a hurry.

Clark recommends a creative solution.

“Call me crazy. [But] you might consider buying a much older used car,” Clark says.

“Seasonal people will do this. Buy a very old used car. And then sell it four months later. It may end up being net much cheaper than any kind of alternative rental you might do.”

How Much Does It Cost To Rent a Car In Hawaii?

Just for fun, I looked up the cost to rent an economy car from Enterprise Rent-A-Car at the Honolulu International Airport location for one week starting Jan. 3, 2024. I turned down all add-ons. The cost: $513.08 including taxes and fees.

That’s not cheap. And that’s just one week. Let’s say John and his family plan to stay in Hawaii for 16 weeks. He’d be paying $8,208 for a rental car during his stay at this weekly rate.

Alternatives to Renting a Car From a Traditional Company

If you don’t feel like buying a car (and having to sell it before you leave), renting from Turo is a viable alternative.

Turo is the Airbnb of car rentals. Civilians rent their vehicles to others on the platform.

“And that’s very, very popular, especially in Hawaii,” Clark says.

Clark also advises that you check whether Sixt is operating on the Hawaiian island you plan to visit. Sixt is a car subscription program. But Clark suspects you may not be able to find a Sixt vehicle on the island.

Final Thoughts

Visiting an expensive location such as Hawaii for an extended period sounds fantastic.

However, figuring out a vehicle solution that won’t break your wallet can be complicated.

Consider using an alternative to the traditional vehicle rental marketplace such as Turo or Sixt, Clark says. But your best bet may be to buy an older vehicle — and then sell it before you leave.

The post I’m Living in Hawaii for 4 Months. Renting a Car Is Expensive and I Can’t Find Leases. What Should I Do? appeared first on Clark Howard.

Zelle has been a conduit for pretext scams costing consumers billions. 13 months ago, Zelle promised that by January of this year, they’d have consumer protections in place. Never happened – until now. Also today, as the value of travel points continues downward, Clark helps you determine if credit cards tied into airline & hotel providers are worth the high annual fees – and the cards that may serve you better.

• Zelle Reforms!: Segment 1
• Ask Clark: Segment 2
• Travel Credit Cards: Segment 3
• Ask Clark: Segment 4

Mentioned on the show:

• Clark’s Christmas Kids
• Payments app Zelle begins refunds for imposter scams after Washington pressure
• 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them!)
• Popular Budgeting App Mint Is Shutting Down – Clark.com
• Best Budgeting Apps – Clark.com
• Turns out, the Equifax data breach was even worse than we thought
• How To Freeze Your Credit With Experian, Equifax and TransUnion
• Home Equity Loans & Lines of Credit: 7 Common Questions Answered
• One Mile at a Time: Southwest Points Will Be Worth Less In 2024
• A new Southwest card bonus can get you halfway to Companion Pass status, which lets you fly a friend for free
• Southwest Credit Cards Offer Limited-Time Welcome Offer Boost -Clark.com
• Best Cash Back Credit Cards With No Annual Fee
• Best Travel Credit Cards: Top Rewards Picks for 2023
• 9 Ways To Save Money on Your Road Trip

Clark.com resources

• Episode transcripts
• Community.Clark.com
• Clark.com daily money newsletter
• Consumer Action Center Free Helpline: 636-492-5275

Learn more about your ad choices: megaphone.fm/adchoices

Learn more about your ad choices. Visit megaphone.fm/adchoices

The post 12.04.23 New Zelle Policies / Devalued Travel Points appeared first on Clark Howard.

Right now, the card_name has an opportunity to earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. There are no limits to the amount you can earn and there is no annual fee.

Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^SM portal through 12/31/24. This is one of the cards that is in Clark’s wallet!

Credit cards can be great cash-earning tools if you pay your full balance every month, especially when using one without an annual fee! This offer can change or expire at any time.

Learn more here.

The post Citi Double Cash® Card: Earn $200 Cash Back for a Limited Time appeared first on Clark Howard.