From helping you shop a little extra to filling your grocery buckets and gas tank, reward points in credit cards can prove to be a cost-effective way of making purchases. These reward points can be redeemed for cash, travel miles, shopping, and much more. So, here are the top points earning credit cards in America that you can consider. Citi Double Cash Card The card incurs a 0 annual fee, which is an important factor to put any card on the list of top points earning credit cards in the country. The cashback rate offered on this card is unmatchable. Also, it has 0 percent annual percentage rate, which is an introductory offer that lasts for a long time. The reward structure on the card is simple: it provides a 2 percent cashback rate on every purchase. There are no restrictions on categories in which you can shop, and there is no limitation on the cashback earnings either. Blue Cash Preferred Card by American Express The card offers a welcome bonus of $250. Although the card incurs an annual fee of $95, people who spend big in supermarkets, on car gas, or on transits or rideshares can get some alluring rewards. The welcome bonus is easy to get, and there is no enrolment needed to get cashback.

Are you planning to upgrade to a new smartphone? Why settle for anything less than the best. Here are some of the most popular smartphones this year, which are packed with features, great on price, and deliver exceptional overall performance. Samsung Galaxy S20/ S20 Plus You can get your hands on the Samsung Galaxy S20 512 GB 16GB RAM variant for around $1600, and it has specifications to justify this price tag. It runs on the latest Android 10 and is powered by Snapdragon 865 (Samsung galaxy S20)/ Exynos 990 (Samsung Galaxy S20 Plus) CPU. It is capable of capturing great pictures with its 12 MP + 64 MP +12 MP rear camera coupled with the front 10 MP camera. As far as connectivity is concerned, it is available in both 4G and 5G variants. LG V60 ThinQ 5G LG V60 ThinQ 5G is one of the most popular smartphones this year. At $900, the device is loaded with a powerful 5000 mAH battery under the hood. The powerful battery is further enhanced with a Qualcomm Snapdragon 865 processor. The storage capacity is excellent. You get 8GB of RAM and 128 GB of internal memory. As the name suggests, the smartphone is capable of delivering 5G connectivity.

There are multiple apps on the phone nowadays, right from entertainment to utilities and knowledge. Did you know that you can now have apps that will help you keep a check on your credit score? If the score is not satisfactory, the app will guide you towards a positive credit score. We list down apps to help you improve a bad credit score. Credit.com While many other apps require you to take a paid subscription, this one is free to use. You can access your credit profile, check your credit score, and compare it with your peers’ credit scores. You will see your current financial standing. If the position does not look good, the app will tell you the reason so that you can make amends. Also, the app will provide money-saving tips that will be tailored as per your profile. Credit Karma This app is very easy-to-use, and you can keep a check on your credit score on the go. The app brings you your credit score from TransUnion and Equifax, which are two major credit bureaus. If your credit score goes down suddenly, you will get an alert for a missed payment, which will help you keep a check on various reasons because your credit score could suffer.

Hot tubs are a fantastic way to relax and have some recreational time with your loved ones. Although these tubs are high-quality and designed to give you the best experience, some precautions need to be taken when using a hot tub. Here are some safety tips when using a hot tub that you and your family members must know about. Clean and disinfect regularly When you own a bathtub, it is your responsibility to ensure that it does not become a pool of germs and potential health hazards. To ensure that everyone who uses the hot tub is safe, regularly disinfect the tub. You can make use of some commonly used disinfectants, such as bromine and chlorine. The more frequently your hot tub is operational, the faster the disinfectant will get over. Therefore, make sure that you know the frequency of cleaning. Moreover, you need to ensure that the water is safe for use. You can check the chlorine level in the tub before and after the use and take measures accordingly. Secure your hot tub with a cover This is one of the essential safety tips when using a hot tub at home. When the hot tub is not in use, you must secure it with a cover.

Having a pet is no less than having an additional family member. Traveling with your pet during vacation is fun, but it does come with additional responsibilities, especially if you intend to fly. You need to make sure that your pet is comfortable throughout the journey. You need to familiarize yourself with the logistics of flying with your pet. To help you, here is a list of what to bring when flying with pets. Seat cover Your pet, especially a cat, might not be the kindest to the seats when flying. Your pets’ dander can be an inconvenience to fellow passengers on the plane. To avoid this, house your pets in carriers or buy pet-friendly seat covers so that their paws and nails don’t destroy the upholstery. A small towel or blanket can suffice for short jaunts. Litter boxes If you are traveling with your cat on a flight, ensure that you bring their litter box along. Cats get uncomfortable when cooped in a carrier for long-duration flights. Ensure that your cats use portable litter boxes before boarding the plane. Furthermore, ensure that you use the litter box that your cat is familiar with so that they are familiar with its smell.