Money Management

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When people talk about smart credit card habits, you usually hear the same advice: pay your bill on time, don’t carry a balance, and don’t max out your card.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. But there’s one tip that most people don’t mention, and it could make your life easier: You can probably choose your own credit card due date.Many card issuers will let you change your payment due date with just a few clicks online or a quick phone call. Here’s why you may want to try it.How changing your credit card due date can helpIf you have to pay a lot of bills every month (like most of us), it can be easy to lose track of your due dates. That can lead to late fees or damage to your credit score.If you have trouble juggling your payments, see if you can move your credit card due date to the same day you pay other bills, like your rent or mortgage payment.On the other hand, you may want to spread out your bill payments so you don’t have to pay too much at once. You could also move your credit card due date to a few days after your payday to make sure you have enough cash on hand. (You want a buffer in case you’re paid later than usual due to a weekend, a holiday, or a clerical snafu.)This small change can help you avoid missed payments and make budgeting less stressful.How to change your due dateChanging your payment date is usually pretty easy. Log into your credit card account, go to the settings or payments section, and look for an option to update your due date. If you don’t see it, call your card’s customer service line and ask.Some issuers are more flexible than others. You may only be able to change your due date a few times a year, for example. And you may not be able to change your due date if your account is not in good standing (e.g., you’ve missed payments or maxed out your card).Changing your due date is not a quick fixIf your card issuer approves your new due date, then it won’t change for another billing cycle or two. You can’t put off your next credit card payment by requesting a new due date.If you’re falling behind on credit card payments, you’ll need to do more than change your due date.One option is to move your balance to a card with a lower interest rate. Balance transfer credit cards offer 0% APR for an introductory period — typically 12 to 21 months. That means you could have a year or more to pay off your debt with no interest.Balance transfer cards are usually only an option for people with good credit, and they also charge a fee to move your balance. But if you qualify, they can save you a lot of money.Want to see which cards are offering the longest 0% APR periods? Check out our top balance transfer cards here.The best time to pay your credit card bill is nowSetting your own due date can make it easier to pay your credit card bill on time and in full. But there’s an even better option: paying off your credit card weekly or even daily.If you keep your credit card balance at or near zero at all times, you’re at very little risk of racking up high-interest debt or missing a payment. It’s the best way to protect your finances and your credit score.Of course, that’s not the most convenient — and for some people, it’s not doable. So here’s the next best option: Set a due date that works for you, then set up autopayment for that day. You can schedule payments for days when you know you’ll have the funds in your account, and you won’t ever have to worry about forgetting your due date.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

When people talk about smart credit card habits, you usually hear the same advice: pay your bill on time, don’t carry a balance, and don’t max out your card.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

But there’s one tip that most people don’t mention, and it could make your life easier: You can probably choose your own credit card due date.

Many card issuers will let you change your payment due date with just a few clicks online or a quick phone call. Here’s why you may want to try it.

How changing your credit card due date can help

If you have to pay a lot of bills every month (like most of us), it can be easy to lose track of your due dates. That can lead to late fees or damage to your credit score.

If you have trouble juggling your payments, see if you can move your credit card due date to the same day you pay other bills, like your rent or mortgage payment.

On the other hand, you may want to spread out your bill payments so you don’t have to pay too much at once. You could also move your credit card due date to a few days after your payday to make sure you have enough cash on hand. (You want a buffer in case you’re paid later than usual due to a weekend, a holiday, or a clerical snafu.)

This small change can help you avoid missed payments and make budgeting less stressful.

How to change your due date

Changing your payment date is usually pretty easy. Log into your credit card account, go to the settings or payments section, and look for an option to update your due date. If you don’t see it, call your card’s customer service line and ask.

Some issuers are more flexible than others. You may only be able to change your due date a few times a year, for example. And you may not be able to change your due date if your account is not in good standing (e.g., you’ve missed payments or maxed out your card).

Changing your due date is not a quick fix

If your card issuer approves your new due date, then it won’t change for another billing cycle or two. You can’t put off your next credit card payment by requesting a new due date.

If you’re falling behind on credit card payments, you’ll need to do more than change your due date.

One option is to move your balance to a card with a lower interest rate. Balance transfer credit cards offer 0% APR for an introductory period — typically 12 to 21 months. That means you could have a year or more to pay off your debt with no interest.

Balance transfer cards are usually only an option for people with good credit, and they also charge a fee to move your balance. But if you qualify, they can save you a lot of money.

Want to see which cards are offering the longest 0% APR periods? Check out our top balance transfer cards here.

The best time to pay your credit card bill is now

Setting your own due date can make it easier to pay your credit card bill on time and in full. But there’s an even better option: paying off your credit card weekly or even daily.

If you keep your credit card balance at or near zero at all times, you’re at very little risk of racking up high-interest debt or missing a payment. It’s the best way to protect your finances and your credit score.

Of course, that’s not the most convenient — and for some people, it’s not doable. So here’s the next best option: Set a due date that works for you, then set up autopayment for that day. You can schedule payments for days when you know you’ll have the funds in your account, and you won’t ever have to worry about forgetting your due date.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: The Motley Fool/Unsplash
Right now, CD rates are on fire, especially for six to 12-month terms. CDs of this length are earning rates of 4.50% to 4.65%.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. With possible Fed cuts coming soon, it’s smart to lock in a CD today. Don’t delay if you’re looking for the best deals — secure your rate now before they dip.We’ve rounded up the top CD rates today. Give them a look to see if any are a good fit for you.BankAPYTermMinimum DepositOMB4.65%7 Months$1,000United Fidelity Bank4.60%10 Months$1,000T Bank4.60%6 Months$500Brilliant Bank4.55%9 Months$1,000T Bank4.50%12 Months$500Data source: Issuing banks. Rates are accurate as of April 18, 2025.Why we chose these CDsExtremely competitive rates. Some CDs have slightly higher rates, but most come with a catch.Low minimum deposits. Some CDs require a minimum deposit of $5,000 or more, while the CDs above let you deposit as little as $500.Available nationwide. Some high-yield CDs are offered by regional credit unions that not everyone can easily join. The CDs above come from banks that anyone in the U.S. can join without jumping through hoops.Online convenience. All the CDs on our list can be opened and managed quickly and conveniently on the bank issuer’s website, from the comfort of home.While the CDs above offer some of the most competitive rates available today, they’re not the only strong options worth considering. Discover offers a solid alternative, with CDs that are budget friendly, easy to open, and are available in a huge variety of terms. If you value a smooth online experience and the recognition of a trusted digital bank, they’re worth a look. Explore Discover® Bank rates here.Should you open a certificate of deposit?Despite a decline since mid-2024, CD rates remain elevated now. Although the Federal Reserve has currently opted to hold the federal funds rate steady, experts widely predict that rate reductions are probable later in 2025.Now could be a great time to lock in a CD if you want safe, guaranteed returns on your cash and you want to protect your savings from the possibility of near-term interest rate cuts.The best CDs come with FDIC insurance, ensuring that deposits of up to $250,000 per individual, per institution, are safe in the event of bank failure. While investing in CDs carries almost no risk, alternative options — such as the stock market — may offer the potential for greater returns.How to open a CDWhen you’re ready, you can open a CD in just a few simple steps:Shop around and compares rates to find the best APY for the term you want.Read the fine print and make sure you can meet any minimum deposit requirements.Apply for your new CD on the bank’s website or mobile app, or over the phone. You’ll likely be approved and ready to invest in minutes.Link an existing bank account to transfer funds to a new CD.Remember, each CD allows only one deposit. Plan your amount wisely. When you’re ready, click here to explore the best CD rates and open a high-yield CD today.Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:Pay out your initial deposit plus your earnings as cashReinvest your funds in a new CD with the same term (but potentially a different APY)Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.Earn up to 4.40% APY without locking up your moneyIf you want to earn a high APY with more flexibility and less commitment, a high-yield savings account will allow you to deposit and withdraw money whenever you want and transfer money to other accounts quickly and easily. You can leave your money in the account as long as you want, with no time requirement.Unlike CDs, savings accounts have variable rates, meaning they can change any time at the issuer’s discretion. But right now, high-yield savings account rates are nearly on par with the best CD rates, making either one a great choice, depending on your savings goals.If you want to earn a competitive APY without losing access to your cash for a minimum of several months, check out our list of the best high-yield savings accounts.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool recommends Barclays Plc and Discover Financial Services. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Right now, CD rates are on fire, especially for six to 12-month terms. CDs of this length are earning rates of 4.50% to 4.65%.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

With possible Fed cuts coming soon, it’s smart to lock in a CD today. Don’t delay if you’re looking for the best deals — secure your rate now before they dip.

We’ve rounded up the top CD rates today. Give them a look to see if any are a good fit for you.

Why we chose these CDs

• Extremely competitive rates. Some CDs have slightly higher rates, but most come with a catch.
• Low minimum deposits. Some CDs require a minimum deposit of $5,000 or more, while the CDs above let you deposit as little as $500.
• Available nationwide. Some high-yield CDs are offered by regional credit unions that not everyone can easily join. The CDs above come from banks that anyone in the U.S. can join without jumping through hoops.
• Online convenience. All the CDs on our list can be opened and managed quickly and conveniently on the bank issuer’s website, from the comfort of home.

Should you open a certificate of deposit?

Despite a decline since mid-2024, CD rates remain elevated now. Although the Federal Reserve has currently opted to hold the federal funds rate steady, experts widely predict that rate reductions are probable later in 2025.

Now could be a great time to lock in a CD if you want safe, guaranteed returns on your cash and you want to protect your savings from the possibility of near-term interest rate cuts.

The best CDs come with FDIC insurance, ensuring that deposits of up to $250,000 per individual, per institution, are safe in the event of bank failure. While investing in CDs carries almost no risk, alternative options — such as the stock market — may offer the potential for greater returns.

How to open a CD

When you’re ready, you can open a CD in just a few simple steps:

1. Shop around and compares rates to find the best APY for the term you want.
2. Read the fine print and make sure you can meet any minimum deposit requirements.
3. Apply for your new CD on the bank’s website or mobile app, or over the phone. You’ll likely be approved and ready to invest in minutes.
4. Link an existing bank account to transfer funds to a new CD.

Remember, each CD allows only one deposit. Plan your amount wisely. When you’re ready, click here to explore the best CD rates and open a high-yield CD today.

Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:

1. Pay out your initial deposit plus your earnings as cash
2. Reinvest your funds in a new CD with the same term (but potentially a different APY)

Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.

Earn up to 4.40% APY without locking up your money

If you want to earn a high APY with more flexibility and less commitment, a high-yield savings account will allow you to deposit and withdraw money whenever you want and transfer money to other accounts quickly and easily. You can leave your money in the account as long as you want, with no time requirement.

Unlike CDs, savings accounts have variable rates, meaning they can change any time at the issuer’s discretion. But right now, high-yield savings account rates are nearly on par with the best CD rates, making either one a great choice, depending on your savings goals.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool recommends Barclays Plc and Discover Financial Services. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
You don’t need a wallet full of credit cards to win the rewards game. In fact, Americans only carry about 3.9 cards on average, according to Experian — and you can do a lot with even fewer.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Here’s a basic three-card strategy that will get you maximum rewards while also protecting your credit score.1. Keep your oldest credit cardEven if it’s not flashy, your oldest card might be the most important one to hang on to.That’s because the age of your credit accounts plays a big role in your credit score. Canceling a long credit line history will almost certainly ding your score.So unless that card is charging you a hefty annual fee, keep it open. Maybe tuck it in a drawer and use it for a small recurring subscription to keep it active.2. Get a card that matches your biggest spending categoryIf you’re spending hundreds (or thousands) of dollars each month in a particular category, this is a big opportunity to boost your cash back, points, or miles.I spend about $500 a month at Trader Joe’s. So having a solid grocery rewards card is huge for me.The key is matching the right card to your actual spending. Maybe you want a card that earns points for dining out. Perhaps you’d prefer a card that earns cash back on gas and groceries, or you’re ready to plan a getaway and want to redeem a free flight with travel rewards points. No matter what, the right card for you is out there.Attention Costco lovers! If you shop the warehouse a lot or at Costco.com, check out these best credit cards for Costco which generally earn 2% to 3% back on all purchases.3. Use a “catch-all” card for everything elseNot every purchase fits into a neat rewards category. That’s where an everyday general purpose card comes in handy.A great goal here is to get at least 2% back on your everyday spending.Look for cards that offer:2% cash back on all purchases (or the equivalent in points value)A low or no annual feeSimple reward redemption optionsExplore top cash back cards here and start earning more on every swipe.How many cards is too much?There’s no “perfect” number of credit cards that everyone should have. The best approach is staying within your comfort level.But one thing’s for sure: If you’re only using one basic card right now — or worse, a debit card, eek! — you owe it to yourself to explore better card options.A simple switch could put hundreds of extra dollars in your pocket each year.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Joel O’Leary has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

You don’t need a wallet full of credit cards to win the rewards game. In fact, Americans only carry about 3.9 cards on average, according to Experian — and you can do a lot with even fewer.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Here’s a basic three-card strategy that will get you maximum rewards while also protecting your credit score.

1. Keep your oldest credit card

Even if it’s not flashy, your oldest card might be the most important one to hang on to.

That’s because the age of your credit accounts plays a big role in your credit score. Canceling a long credit line history will almost certainly ding your score.

So unless that card is charging you a hefty annual fee, keep it open. Maybe tuck it in a drawer and use it for a small recurring subscription to keep it active.

2. Get a card that matches your biggest spending category

If you’re spending hundreds (or thousands) of dollars each month in a particular category, this is a big opportunity to boost your cash back, points, or miles.

I spend about $500 a month at Trader Joe’s. So having a solid grocery rewards card is huge for me.

The key is matching the right card to your actual spending. Maybe you want a card that earns points for dining out. Perhaps you’d prefer a card that earns cash back on gas and groceries, or you’re ready to plan a getaway and want to redeem a free flight with travel rewards points. No matter what, the right card for you is out there.

Attention Costco lovers! If you shop the warehouse a lot or at Costco.com, check out these best credit cards for Costco which generally earn 2% to 3% back on all purchases.

3. Use a “catch-all” card for everything else

Not every purchase fits into a neat rewards category. That’s where an everyday general purpose card comes in handy.

A great goal here is to get at least 2% back on your everyday spending.

Look for cards that offer:

• 2% cash back on all purchases (or the equivalent in points value)
• A low or no annual fee
• Simple reward redemption options

Explore top cash back cards here and start earning more on every swipe.

How many cards is too much?

There’s no “perfect” number of credit cards that everyone should have. The best approach is staying within your comfort level.

But one thing’s for sure: If you’re only using one basic card right now — or worse, a debit card, eek! — you owe it to yourself to explore better card options.

A simple switch could put hundreds of extra dollars in your pocket each year.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Joel O’Leary has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: The Motley Fool/Unsplash
Don’t let your money sit idle. High-yield savings accounts offer rates up to 5.00% APY, beating the national average by a mile. They’re an easy way to grow your cash while ensuring you can still access it.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We sort through high-yield savings account options daily to bring you the best rates. Whether you’re saving for a rainy day or planning ahead, a high-yield account can pad your wallet.Below are the top high-yield savings account rates we found today.Bank AccountAPYMinimum Account BalanceVaro Savingsup to 5.00%Max APY on up to $5,000, 2.50% APY afterAxos ONE®up to 4.66%$1,500Pibank Savings4.60%$0Peak Bank Envision High Yield Savingsup to 4.54%$100 to open, 2.02% APY on balances of $10,000,000 and abovePresidential Bank Advantage Savingsup to 4.50%$5,000 to open. Must maintain an Advantage Checking Account to be eligible for top APY.Data source: Issuing banks. Rates are accurate as of April 18, 2025.Why we chose these savings accountsThe accounts above stood out to us for several key reasons:High APYs. These are among the most competitive interest rates available, helping your money grow faster.Low barriers to entry. Some accounts have low or no minimum deposit requirements to open or earn interest.Available nationwide. These banks let you open an account from anywhere in the U.S. without needing to join a local credit union.Online convenience. Every account listed can be opened and managed entirely online from your phone or computer.If you’re not earning more than 4.00% APY on your savings, it might be time to switch. Rates have been mostly flat since the end of 2024, but several online banks are leading the pack without requiring huge balances. We like LendingClub LevelUp Savings account because it pays a competitive APY in exchange for a fairly low amount in monthly deposits. Pro tip: Be careful with teaser rates that drop after a few months. Always check the fine print. Read our full LendingClub LevelUp Savings review to learn more.Want to grow your money without locking it up?High-yield savings accounts combine flexibility with competitive interest. If you value easy access to your funds and no long-term commitment, an HYSA may be the perfect fit.Explore more options:Best High-Yield Savings Accounts — See our top picks todayBanks With Savings Buckets — Track your savings goals separatelyShould you open a high-yield savings account?Got extra cash in a low-interest account? It’s time to make your money work harder. High-yield savings accounts are offering great rates now, as the Federal Reserve is holding rates steady so far this year.With FDIC insurance, flexibility, low fees, and easy online access, there’s really no reason not to choose a high-yield savings account now. Let your money grow while staying accessible. Perfect for emergency funds, planned expenses, or short-term goals. Boost your savings today! Click here to compare the best high-yield savings accounts and open one today.How to open a high-yield savings accountGetting started with a high-yield savings account is easy and usually takes just a few minutes:Compare your options. Look for the best APY, but also consider fees, ease of access, and minimum balance rules.Apply online. Most accounts can be opened from your phone or computer — no paperwork required.Fund your account. Link an existing checking or savings account and transfer the amount you want to deposit.Set up recurring deposits (optional). Some accounts offer higher APYs when you make regular monthly contributions.Track your balance and earnings. Interest usually compounds daily and is paid monthly, helping your savings grow faster over time.Fed up with monthly deposit requirements?Some high-yield savings accounts offer competitive rates with no strings attached — no recurring deposit requirements, no minimum balance to earn the top APY, and no monthly fees. If you’re looking for a hassle-free option, learn more about the Discover® Online Savings account, which offers a competitive APY with no minimum deposit.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Charles Schwab is an advertising partner of Motley Fool Money. Discover Financial Services is an advertising partner of Motley Fool Money. SLM is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Ally is an advertising partner of Motley Fool Money. HSBC Holdings is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. Synchrony Financial is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Axos Financial, Bank of America, Goldman Sachs Group, JPMorgan Chase, PNC Financial Services, and U.S. Bancorp. The Motley Fool recommends Barclays Plc, Charles Schwab, Discover Financial Services, and HSBC Holdings and recommends the following options: short June 2025 $85 calls on Charles Schwab. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Don’t let your money sit idle. High-yield savings accounts offer rates up to 5.00% APY, beating the national average by a mile. They’re an easy way to grow your cash while ensuring you can still access it.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We sort through high-yield savings account options daily to bring you the best rates. Whether you’re saving for a rainy day or planning ahead, a high-yield account can pad your wallet.

Below are the top high-yield savings account rates we found today.

Why we chose these savings accounts

The accounts above stood out to us for several key reasons:

• High APYs. These are among the most competitive interest rates available, helping your money grow faster.
• Low barriers to entry. Some accounts have low or no minimum deposit requirements to open or earn interest.
• Available nationwide. These banks let you open an account from anywhere in the U.S. without needing to join a local credit union.
• Online convenience. Every account listed can be opened and managed entirely online from your phone or computer.

Want to grow your money without locking it up?

High-yield savings accounts combine flexibility with competitive interest. If you value easy access to your funds and no long-term commitment, an HYSA may be the perfect fit.

Explore more options:

• Best High-Yield Savings Accounts — See our top picks today
• Banks With Savings Buckets — Track your savings goals separately

Should you open a high-yield savings account?

Got extra cash in a low-interest account? It’s time to make your money work harder. High-yield savings accounts are offering great rates now, as the Federal Reserve is holding rates steady so far this year.

With FDIC insurance, flexibility, low fees, and easy online access, there’s really no reason not to choose a high-yield savings account now. Let your money grow while staying accessible. Perfect for emergency funds, planned expenses, or short-term goals. Boost your savings today! Click here to compare the best high-yield savings accounts and open one today.

How to open a high-yield savings account

Getting started with a high-yield savings account is easy and usually takes just a few minutes:

1. Compare your options. Look for the best APY, but also consider fees, ease of access, and minimum balance rules.
2. Apply online. Most accounts can be opened from your phone or computer — no paperwork required.
3. Fund your account. Link an existing checking or savings account and transfer the amount you want to deposit.
4. Set up recurring deposits (optional). Some accounts offer higher APYs when you make regular monthly contributions.
5. Track your balance and earnings. Interest usually compounds daily and is paid monthly, helping your savings grow faster over time.

Fed up with monthly deposit requirements?

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We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Charles Schwab is an advertising partner of Motley Fool Money. Discover Financial Services is an advertising partner of Motley Fool Money. SLM is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Ally is an advertising partner of Motley Fool Money. HSBC Holdings is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. Synchrony Financial is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Axos Financial, Bank of America, Goldman Sachs Group, JPMorgan Chase, PNC Financial Services, and U.S. Bancorp. The Motley Fool recommends Barclays Plc, Charles Schwab, Discover Financial Services, and HSBC Holdings and recommends the following options: short June 2025 $85 calls on Charles Schwab. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
Right now, you can lock in an APY of over 4.00% with a certificate of deposit (CD). Some short-term options, like 6-month CDs, pay 4.50% or more.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. That’s not bad at all — so why am I avoiding CDs completely this year?For me, it’s simple: I’d rather build wealth than park my money in an account that barely beats inflation. CDs have their place, but here’s why I’m putting my money elsewhere now.I’m focused on long-term growth — and CDs don’t cut itMost of my money is invested in stocks through tax-advantaged accounts like my 401(k) and IRA. That’s where the real potential is.Over the past few years, my stock investments have delivered average annual returns of about 9% — double the return of today’s best CDs. Thanks to the power of compound interest, as well as the huge tax breaks offered by 401(k)s and IRAs, I’m on track to retire early.IRAs are one of the best places to put your long-term savings. In 2025, you can contribute up to $7,000 to a traditional or Roth IRA ($8,000 if you’re 50 or older). Your investments grow tax free — and if you choose a Roth IRA, your qualified withdrawals will be tax free, too.If you’re not sure where to start, think about buying an S&P 500 index fund. You’ll own a small piece of 500 top U.S. companies and get in on the market’s long-term growth. Historically, the S&P 500 has returned about 10% per year.That kind of performance can turn small investments into serious wealth. If you’re ready to start investing for the long term, click here to see the best IRA brokers and open an account today.For short-term goals, I stick with a high-yield savings accountI still keep some money in cash for emergencies and short-term needs — just not in CDs. Instead, I use a high-yield savings account with a competitive APY.Here’s why I prefer savings accounts over CDs:No withdrawal penalties. I can access my money anytime without losing interest.Flexible deposits. I can set up automatic transfers and add funds whenever I want.Easier money management. I can move money between accounts with a couple of taps.That flexibility makes savings accounts the perfect spot for my emergency fund or near-term expenses. And that convenience is costing me almost nothing in lost interest.The best high-yield savings accounts have APYs of about 4.00% or more. If you want to earn up to 4.40% on your savings, then check out our list of the best high-yield savings accounts.CDs don’t fit into my strategyCDs offer a guaranteed return, but the trade-offs — like early withdrawal penalties and lackluster growth — just don’t make sense for me.My money is either:Invested in the stock market through a tax-advantaged retirement account, orSitting in a high-yield savings account where it’s safe and can be withdrawn at any time.Sure, I might make a few extra bucks by moving some savings into CDs. But I’d rather keep things simple, flexible, and focused on bigger gains.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Right now, you can lock in an APY of over 4.00% with a certificate of deposit (CD). Some short-term options, like 6-month CDs, pay 4.50% or more.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

That’s not bad at all — so why am I avoiding CDs completely this year?

For me, it’s simple: I’d rather build wealth than park my money in an account that barely beats inflation. CDs have their place, but here’s why I’m putting my money elsewhere now.

I’m focused on long-term growth — and CDs don’t cut it

Most of my money is invested in stocks through tax-advantaged accounts like my 401(k) and IRA. That’s where the real potential is.

Over the past few years, my stock investments have delivered average annual returns of about 9% — double the return of today’s best CDs. Thanks to the power of compound interest, as well as the huge tax breaks offered by 401(k)s and IRAs, I’m on track to retire early.

IRAs are one of the best places to put your long-term savings. In 2025, you can contribute up to $7,000 to a traditional or Roth IRA ($8,000 if you’re 50 or older). Your investments grow tax free — and if you choose a Roth IRA, your qualified withdrawals will be tax free, too.

If you’re not sure where to start, think about buying an S&P 500 index fund. You’ll own a small piece of 500 top U.S. companies and get in on the market’s long-term growth. Historically, the S&P 500 has returned about 10% per year.

That kind of performance can turn small investments into serious wealth. If you’re ready to start investing for the long term, click here to see the best IRA brokers and open an account today.

For short-term goals, I stick with a high-yield savings account

I still keep some money in cash for emergencies and short-term needs — just not in CDs. Instead, I use a high-yield savings account with a competitive APY.

Here’s why I prefer savings accounts over CDs:

• No withdrawal penalties. I can access my money anytime without losing interest.
• Flexible deposits. I can set up automatic transfers and add funds whenever I want.
• Easier money management. I can move money between accounts with a couple of taps.

That flexibility makes savings accounts the perfect spot for my emergency fund or near-term expenses. And that convenience is costing me almost nothing in lost interest.

CDs don’t fit into my strategy

CDs offer a guaranteed return, but the trade-offs — like early withdrawal penalties and lackluster growth — just don’t make sense for me.

My money is either:

• Invested in the stock market through a tax-advantaged retirement account, or
• Sitting in a high-yield savings account where it’s safe and can be withdrawn at any time.

Sure, I might make a few extra bucks by moving some savings into CDs. But I’d rather keep things simple, flexible, and focused on bigger gains.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More