You need *just one card* for your wallet

Plus, our WFH job board + how to get an 800 credit score [The Penny Hoarder Sum It Up]( [Together with The Ascent, a Motley Fool service]( Some say one is the loneliest number, but we think it's grand. After all, the penny is worth one cent. When it comes to credit cards, one is the simplest number, and we found [a credit card worthy of being the only one in your wallet](. But if one doesn't entice you, maybe zero will — because that's exactly how much interest you'll pay for purchases and balance transfers on this credit card well into 2025. We'll tell you more about it below, but first, let's get into the most popular articles of the past week.   [Find WFH Jobs with the Penny Hoarder Job Board]( [Find WFH Jobs with the Penny Hoarder Job Board]( Looking for work-from-home (WFH) roles can be tough. But the Penny Hoarder WFH job board is different because every post is vetted by a real human being (who happens to work remotely too). And if salary info is available, we'll include it in the post. These desirable job openings don't last long —sometimes less than a day — but we add new WFH jobs every week, so job-seekers should bookmark this page and check back often. [Together with the Ascent, a Motley Fool service]( [Is This the One? The Only Credit Card You Need in Your Wallet]( You know a restaurant’s good if other chefs eat there, and you can probably trust a gym where pro athletes train. So, when an entire team of financial analysts and credit card experts go to bat for the credit card they actually use, we listen. [This card]( recommended by The Ascent offers 0% intro APR on purchases and balance transfers well into 2025 and up to 5% cash back in popular spending categories. It even offers a lucrative sign-up bonus. All this for an annual fee of $0. And it takes minutes to [apply for your new card](. 2024 could be your year of a one-card wallet. Apply today. [Apply Now]( [🔪 Cut $5K in Credit Card Debt in 2 Weeks]( Like daylight savings time in the spring, debt can really sneak up on you. You're just living your best life, and almost overnight your credit card balance jumps up to $5,000 or more. Exhausting, right? It doesn’t have to be. Here’s how to [slash your debt with this 15-day challenge](.   [The Best Checking Accounts Right Now]( [The Best Checking Accounts Right Now]( You have even more choices for checking accounts than ever before, and we're here to help you choose wisely. When we rank checking accounts, we look for higher interest rates (the good kind), low fees and lots of free ATM access. To save you the legwork, we compared dozens of checking accounts, and these are the ones we like best.   [Earn an Income Without Leaving the House 🏡]( If you’ve got a smartphone and a cozy place to chill out, you have everything you need to try these [five side gigs that pay real money](. These side gigs may not replace your main source of income, but you might be surprised how easy it is to make some fast cash without even leaving the house.   [9 Habits That Will Get Your Credit Score Above 800]( [9 Habits That Will Get Your Credit Score Above 800]( An excellent to perfect credit score opens the door to better loan rates, which can save you thousands over the lifetime of a mortgage or auto loan. But 800 can feel out of reach! So we took a close look at the behavior of people with credit scores of 800 or better to learn what they're doing right. These are the nine habits you want to adopt now to drive your credit score into the top echelon. Habit No. 2 might surprise you.   [If Your Credit Score Is Under 700, Make These Moves ASAP]( If you're struggling to get your score above 700 because of debt, we understand. You don't think of yourself as an extravagant spender. That’s why it feels so surreal to be in so much debt. But with seemingly unbridled inflation, many people have had to rely on credit cards just to keep up with basic needs. Your credit score may have suffered as a result. If that sounds uncomfortably familiar, [we found some companies who want to help](.   Want even more money tips? Subscribe to our [text messages]( Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. [Learn more]( about how we make money and select our advertising partners. We’re letting you know because it’s what Honest Abe would do. After all, he is on our favorite coin. © 2024 The Penny Hoarder. All rights reserved. 490 1st Ave S. Suite 800 | Saint Petersburg, FL 33701 | U.S. [View in browser]( [Mailing preferences]( | [Unsubscribe]( | [Privacy Policy](