{"id":9643,"date":"2025-02-05T09:21:10","date_gmt":"2025-02-05T09:21:10","guid":{"rendered":"https:\/\/finderica.com\/?p=9643"},"modified":"2025-02-05T09:21:10","modified_gmt":"2025-02-05T09:21:10","slug":"split-the-bill-avoid-the-headaches-with-these-credit-cards-and-apps","status":"publish","type":"post","link":"https:\/\/finderica.com\/?p=9643","title":{"rendered":"Split the Bill, Avoid the Headaches With These Credit Cards and Apps"},"content":{"rendered":"<div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You&#8217;re out to dinner with friends and the bill arrives. Cue the dreaded questions like: &#8220;Should we split the bill to make it easier? Should we only pay for what we ordered?&#8221; <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you typically order just the side salad, you might welcome a tool that keeps these questions at bay. Alternately, if you&#8217;re the first to raise your hand to cover the entire check (and reap the credit card rewards), you may also appreciate an easy way to break down who owes you what, ensuring you&#8217;re not short-changed. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Helpfully, various credit card features and third-party apps can facilitate the tracking of shared expenses and sending or receiving payments among friends or family. These services can streamline the process of splitting bills with others, whether it&#8217;s a large restaurant tab, a group vacation, a rent or utility payment among roommates, or something else. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Some of these services may require you and those in your group to sign up. For instance, you may need to have <\/span><span class=\"_28z5Fp _3-to_p\">PayPal or Venmo<\/span><span class=\"_28z5Fp _3-to_p\"> to be able to send or request money through another app. But the barrier to entry is low, and they&#8217;re typically free to use.<\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Here are some tools to consider the next time you\u2019re splitting bills.<\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Splitting the check with others <\/span><\/h2>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The following services are available for use via Android and iPhone devices: <\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">AmEx Send and\/or AmEx Split <\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">American Express credit cardholders can <\/span><span class=\"_28z5Fp _3-to_p\">use these options<\/span><span class=\"_28z5Fp _3-to_p\"> to conveniently divide costs among friends or family members, even those who aren&#8217;t AmEx cardholders themselves: <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<ul data-currency=\"List\" class=\"_2cGsD8\">\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">AmEx Send<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> allows you, as an AmEx cardholder, to pay any other Venmo or PayPal user, for no fee \u2014 helpful if you happen to be short on cash in that moment and aren&#8217;t near an ATM. You can send money from your AmEx app or directly from the Venmo or PayPal app. <\/span><\/p>\n<\/div>\n<\/li>\n<li class=\"_3ho7K- _1pCihN olf-Ig\">\n<div class=\"_3wlVa6 _2247K8\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\"><span class=\"_3VmbAf _28z5Fp _3-to_p\">AmEx Split<\/span><\/span><span class=\"_28z5Fp _3-to_p\"> lets you cover a purchase with your AmEx card and then divide the cost among other Venmo or PayPal users. You can get reimbursed either as a statement credit to your AmEx card or as a payment into a PayPal or Venmo account. You&#8217;ll earn rewards as you normally would when using your card, and the app crunches the numbers and keeps track of incoming or pending payments. <\/span><\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Enrollment is required; terms apply.<\/span><\/p>\n<\/div>\n<div>\n<div class=\"_3VJt4n _3VY1A7\">\n<div class=\"_3wlVa6 _2247K8 _14vxWx _2Ua6RU\" style=\"max-width:160px\">\n<figure class=\"_3ngNGS _2_Pyfm\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_2_Pyfm\"><span class=\"_14cHu7 _2BxR5P\">SS rating\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-7-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"_19GC0z\" title=\"How is this rating determined?\"><span class=\"_1Z-QXc\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-6-7-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_2Dnq6l\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;top:100%\" class=\"_3extVD _2piv35\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.<\/p>\n<p><\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Venmo <\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_28z5Fp _3-to_p\">Venmo Credit Card<\/span><span class=\"_28z5Fp _3-to_p\"> has a unique QR code that links to your Venmo account. Your friends or family can scan it to cover their portion of a purchase, meaning you could settle up before even leaving the restaurant booth. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The Venmo Groups feature also permits splitting bills with a group in the Venmo app when you add your friends and fill in the expenses. Keep in mind that if you pay with a credit card through this service, there is a 3% fee.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Splitwise <\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">As the name suggests, the <\/span><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"https:\/\/www.splitwise.com\/\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><span class=\"_28z5Fp _3-to_p\">Splitwise app<\/span><\/a><span class=\"_28z5Fp _3-to_p\"> lets you split expenses and keep track of pending payments, though it does require a little legwork upfront. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">You\u2019ll have to sign up for an account, create a group for ongoing expenses or add one-time expenses, and then add the contact information for the members you want to split a purchase with. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">To send a payment, you can use PayPal or Venmo through the Splitwise app. Splitwise won&#8217;t charge processing fees, but Paypal and Venmo will charge a processing fee if you use a credit card to send money this way. <\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">Tab<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><a class=\"_28z5Fp _2JIHTU vLzrnO _3mJuQ4\" href=\"https:\/\/www.tabapp.co\/\" data-currency=\"Link\" rel=\"nofollow noopener noreferrer\" target=\"_blank\"><span class=\"_28z5Fp _3-to_p\">Tab<\/span><\/a><span class=\"_28z5Fp _3-to_p\"> allows you to claim the specific items you purchased from an uploaded photo of a receipt. It also offers a variety of different functions that might be helpful, depending on the need. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">For instance, if you split a purchase like an appetizer or something else, multiple people can select the same item to cover the cost. If it\u2019s someone\u2019s birthday, you can also split the total evenly among everyone else to cover the person of honor\u2019s celebration meal. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Tax and tip are calculated for everyone in the app and divided proportionally. Those sharing an expense with you will need the app to divide the costs and join the same bill from their own phones. <\/span><\/p>\n<\/div>\n<h2 class=\"_3P4ktl zeCuXk _28z5Fp _2w4PM3 _1My7YX\" data-currency=\"Text\"><span class=\"_3P4ktl zeCuXk _28z5Fp _3-to_p\">Best rewards credit cards for covering a large bill<\/span><\/h2>\n<div>\n<div class=\"_3VJt4n _3VY1A7\">\n<div class=\"_3wlVa6 _2247K8 _14vxWx _2Ua6RU\" style=\"max-width:160px\">\n<figure class=\"_3ngNGS _2_Pyfm\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Capital One\u00ae SavorSM Cash Rewards Credit Card\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/cfeca922-52db-4b18-be5e-8e4fe1448448\/4967bd1d479ab401b3d3f11fce3aea3ec351d3852a2eff0ee0f54f1446bc9fbb.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_2_Pyfm\"><span class=\"_14cHu7 _2BxR5P\">SS rating\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-33-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"_19GC0z\" title=\"How is this rating determined?\"><span class=\"_1Z-QXc\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-6-33-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_2Dnq6l\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;top:100%\" class=\"_3extVD _2piv35\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.<\/p>\n<p><\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">One way to maximize rewards is to offer to cover the bill in a group setting, whether it\u2019s for dining out, travel or other expenses. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">But the strategy is ideal only if you know for sure that you&#8217;ll be reimbursed by your friends or family and you can pay off the balance in full to avoid interest charges. Otherwise, the costs will outweigh the benefits. <\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">At restaurants<\/span><\/h3>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">When you\u2019re covering the bill and getting reimbursed by friends or family through other apps, a card like the <\/span><span class=\"_28z5Fp _3-to_p\">Capital One Savor Cash Rewards Credit Card<\/span><span class=\"_28z5Fp _3-to_p\"> is a good top-of-wallet pick. It earns 3% back on dining, grocery stores and entertainment (including streaming services), and 1% back on all other purchases, all for a <\/span><span class=\"_28z5Fp _3-to_p\">$0<\/span><span class=\"_28z5Fp _3-to_p\"> annual fee.<\/span><\/p>\n<\/div>\n<div>\n<div class=\"_3VJt4n _3VY1A7\">\n<div class=\"_3wlVa6 _2247K8 _14vxWx _2Ua6RU\" style=\"max-width:160px\">\n<figure class=\"_3ngNGS _2_Pyfm\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"American Express\u00ae Gold Card\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/2921dc2e-e2b0-4003-82af-f6ca0f575d1c\/9939cc4d8238dcd5ad2100cc9696bd6e5999526b1b8b99e9296ca85a800a83e6.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_2_Pyfm\"><span class=\"_14cHu7 _2BxR5P\">SS rating\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-37-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"_19GC0z\" title=\"How is this rating determined?\"><span class=\"_1Z-QXc\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-6-37-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_2Dnq6l\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;top:100%\" class=\"_3extVD _2piv35\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.<\/p>\n<p><\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">The <\/span><span class=\"_28z5Fp _3-to_p\">American Express\u00ae Gold Card<\/span><span class=\"_28z5Fp _3-to_p\"> is another top choice for dining expenses, especially if you&#8217;re planning to use the AmEx Send or AmEx Split feature. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Among other bonus categories, the card earns 4 Membership Rewards points per dollar spent at restaurants on up to $50,000 in purchases per year. It has a <\/span><span class=\"_28z5Fp _3-to_p\">$325<\/span><span class=\"_28z5Fp _3-to_p\"> annual fee, but that can be worth paying if you can make use of the card&#8217;s various incentives to offset the cost.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">For travel <\/span><\/h3>\n<div>\n<div class=\"_3VJt4n _3VY1A7\">\n<div class=\"_3wlVa6 _2247K8 _14vxWx _2Ua6RU\" style=\"max-width:160px\">\n<figure class=\"_3ngNGS _2_Pyfm\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Chase Sapphire Preferred Credit Card\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/7dce19da-5d96-4502-9fd2-70ff9655f13a\/3f8b79d90932c89dcb16ddad07861bbc7d0c804366870949527ae9b89e1df384.png\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_2_Pyfm\"><span class=\"_14cHu7 _2BxR5P\">SS rating\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-42-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"_19GC0z\" title=\"How is this rating determined?\"><span class=\"_1Z-QXc\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-6-42-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_2Dnq6l\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;top:100%\" class=\"_3extVD _2piv35\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.<\/p>\n<p><\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">If you value the flexibility to book travel and redeem rewards with any brand, a card like the <\/span><span class=\"_28z5Fp _3-to_p\">Chase Sapphire Preferred\u00ae Card<\/span><span class=\"_28z5Fp _3-to_p\"> may help advance your vacation goals, especially if you use it to book group travel. It earns 5 points per $1 spent on travel purchased through Chase&#8217;s travel portal; 3 points per $1 spent on dining; 3 points per $1 spent on select streaming services; 3 points per $1 spent on online groceries, 2 points per $1 spent on all other travel purchases; and 1 point per $1 spent on all other purchases. There\u2019s also a $50 annual hotel credit when you book through Chase&#8217;s travel portal, which can defray the cost of a night\u2019s stay. The card&#8217;s trip cancellation or interruption insurance may also reimburse some of the costs if your travel plans get derailed for an eligible reason. It has a <\/span><span class=\"_28z5Fp _3-to_p\">$95<\/span><span class=\"_28z5Fp _3-to_p\"> annual fee, which again can be offset by the card&#8217;s many perks.<\/span><\/p>\n<\/div>\n<h3 class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _28CJ7N _1My7YX\" data-currency=\"Text\"><span class=\"_21EZtY eHXiWO _3_uGsM _28z5Fp _3-to_p\">For rent and utilities <\/span><\/h3>\n<div>\n<div class=\"_3VJt4n _3VY1A7\">\n<div class=\"_3wlVa6 _2247K8 _14vxWx _2Ua6RU\" style=\"max-width:160px\">\n<figure class=\"_3ngNGS _2_Pyfm\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Bilt World Elite Mastercard Credit Card\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/fccf3660-2b40-11ee-8b6c-d79f38cd9a92\/352c4e9c593a9721c948df14fec5332c2df50d393e79f6bfdd0ca7f6f1f41dc6.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_2_Pyfm\"><span class=\"_14cHu7 _2BxR5P\">SS rating\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-46-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"_19GC0z\" title=\"How is this rating determined?\"><span class=\"_1Z-QXc\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-6-46-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_2Dnq6l\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;top:100%\" class=\"_3extVD _2piv35\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.<\/p>\n<p><\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div class=\"_3VJt4n _3VY1A7\">\n<div class=\"_3wlVa6 _2247K8 _14vxWx _2Ua6RU\" style=\"max-width:160px\">\n<figure class=\"_3ngNGS _2_Pyfm\">\n<div class=\"xkItPk\" style=\"background-color:transparent\">\n<div class=\"_30SBGi x6Nm1J\"><img decoding=\"async\" alt=\"Wells Fargo Active Cash Card\" class=\"Zsn_9Z\" src=\"https:\/\/www.nerdwallet.com\/cdn-cgi\/image\/width=1800,quality=85\/cdn\/images\/marketplace\/credit_cards\/b954a46c-caec-11eb-abf1-efb90fc6e740\/403a0deae03eaff0d1ca2c7ab1175fcc45ebc9a9551d0c8104e758b3d82771d1.jpg\"><\/div>\n<\/div>\n<\/figure>\n<div class=\"_2_Pyfm\"><span class=\"_14cHu7 _2BxR5P\">SS rating\u00a0<button type=\"button\" aria-expanded=\"false\" aria-controls=\"nw-aria-ssr-6-47-1\" aria-haspopup=\"dialog\" data-currency=\"PopoverDisclosure\" class=\"_19GC0z\" title=\"How is this rating determined?\"><span class=\"_1Z-QXc\" aria-hidden=\"true\"><\/span><svg viewbox=\"0 0 24 24\" aria-hidden=\"true\" class=\"_2ulGkX\" fill=\"currentcolor\" focusable=\"false\"><path d=\"M12 15.387c-.645 0-1.129.524-1.129 1.13 0 .644.484 1.128 1.129 1.128.605 0 1.129-.484 1.129-1.129 0-.605-.524-1.129-1.129-1.129zm.282-.968a.466.466 0 00.484-.484c0-1.733 3.145-1.612 3.145-4.314 0-2.056-1.854-3.266-3.951-3.266-1.815 0-2.823.726-3.67 1.814-.161.242-.12.525.121.686l.524.403c.202.121.484.08.646-.12.604-.767 1.21-1.17 2.379-1.17 1.613 0 2.338.847 2.338 1.653 0 1.734-3.145 1.492-3.145 4.314a.49.49 0 00.484.484h.645zM12 3.29c4.758 0 8.71 3.912 8.71 8.71A8.7 8.7 0 0112 20.71 8.673 8.673 0 013.29 12 8.699 8.699 0 0112 3.29zM12 2C6.476 2 2 6.516 2 12c0 5.524 4.476 10 10 10 5.484 0 10-4.476 10-10 0-5.484-4.516-10-10-10z\"><\/path><\/svg><\/button><span id=\"nw-aria-ssr-6-47-1\" hidden=\"\" style=\"display:none;position:fixed;left:100%;top:100%\" role=\"dialog\" tabindex=\"0\" data-dialog=\"true\" class=\"_2Dnq6l\" aria-label=\"How is this rating determined?\"><span style=\"font-size:30px;width:1em;height:1em;pointer-events:none;top:100%\" class=\"_3extVD _2piv35\" aria-hidden=\"true\"><\/span><\/p>\n<p>SS&#8217;s ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.<\/p>\n<p><\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">For some group expenses, it may cost extra to use a credit card, thanks to processing fees. But for rent, at least, there&#8217;s an exception. The <\/span><span class=\"_28z5Fp _3-to_p\">Bilt World Elite Mastercard\u00ae Credit Card<\/span><span class=\"_28z5Fp _3-to_p\"> earns 1 point per $1 spent on rent, up to 100,000 points per calendar year, as long as you pay through the card\u2019s app, and as long as you put at least five purchases on the card per billing cycle. It doesn&#8217;t impose any extra fees or surcharges on those transactions, and there&#8217;s also no annual fee. So you could use the card to cover the rent, get reimbursed by your roommates, and collect rewards on top of it all. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">Speaking of rewards, the card also earns 5 points per $1 spent on Lyft; 3 points per $1 spent on dining; 2 points per $1 spent on travel; and 1 point per $1 spent on all other purchases. <\/span><\/p>\n<\/div>\n<div class=\"_3VJt4n\">\n<p class=\"_28z5Fp _3-to_p\"><span class=\"_28z5Fp _3-to_p\">When you don&#8217;t have to worry about processing fees for certain utilities, you can consider a card like the <\/span><span class=\"_28z5Fp _3-to_p\">Wells Fargo Active Cash\u00ae Card<\/span><span class=\"_28z5Fp _3-to_p\">. It earns 2% cash back on all eligible purchases, which can add up over time.   <\/span><\/p>\n<\/div>\n<\/div>\n<p><a href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/split-the-bill-easily-with-these-credit-cards-apps\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You&#8217;re out to dinner with friends and the bill arrives. Cue the dreaded questions like: &#8220;Should we split the bill to make it easier? Should we only pay for what we ordered?&#8221; If you typically order just the side salad, you might welcome a tool that keeps these questions at bay. Alternately, if you&#8217;re the<\/p>\n","protected":false},"author":1,"featured_media":9644,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[195],"tags":[254,485,856,420,238,3759,3758],"class_list":{"0":"post-9643","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-apps","9":"tag-avoid","10":"tag-bill","11":"tag-cards","12":"tag-credit","13":"tag-headaches","14":"tag-split"},"_links":{"self":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/9643","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9643"}],"version-history":[{"count":0,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/posts\/9643\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=\/wp\/v2\/media\/9644"}],"wp:attachment":[{"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9643"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=9643"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finderica.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=9643"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}