I get asked all the time: what are your favorite money tools?

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The $100K Club

Need more honest money conversations in your life? Join hundreds of other money-motivated folks in my Facebook community to get your burning questions answered, and get free access to my guidance. {Free}


The Financial Feminist

A weekly newsletter releasing every Monday that’s created to serve our community of almost a million Financial Feminists. With weekly money moves, money wins, and money tools (and some exclusive discounts), this is a great way to start each week! {Free}


Credit Cards

Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


My Favorite Travel Credit Cards

I love to travel, and these travel rewards credit cards are the ones I recommend to everyone ready to save big on flights, dining, and more. Apply now and start collecting rewards for your next big trip!

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Chase Sapphire Preferred Card

Highlighted Features: You can earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months (that's $750 toward travel) PLUS the offer now features a $50 grocery credit. Receive 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. If you use DashPass, DoorDash’s delivery subscription service, you receive unlimited deliveries with a $0 delivery fee.

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Chase Freedom Unlimited

Highlighted Features: Earning you 5% cash back on all travel and grocery stores, 3% on dining and drugstores, and unlimited 1.5% cash back on all other purchases, this card is a great option if you love dining and travel. Plus, you get a $200 bonus if you spend $500 in your first 3 months. This is an ideal option for someone with good/excellent credit. No annual fee.


My Favorite Student & Cash Back Credit Card

If you’re a student or young professional just starting to build your credit, or looking to earn cash back on their purchases, check out the cards below.


The Best Credit Card for Students/Early 20s: Deserve EDU

Highlight Features: No credit history required, Amazon Prime sign up bonus after spending $500 in the first three months, 1% Cash Back, no annual fee. This card is perfect for those who are needing to establish credit, but still want some great perks.


The Best Credit Card for Cash Back: Capital One Quicksilver

Highlight Features: $200 sign up bonus after spending $500 in the first three months, 1.5% Cash Back, 0% APR for first 15 months, no annual fee. This card is great because not only do you have unlimited earning potential, but your rewards will never expire.


My favorite business credit cards.

Whether you are just starting your business or are established and looking for a good credit card, I’ve got some great recommendations for you. I broke each down into two categories. The first row is for credit cards that focus more on cash back, and the second row includes travel business cards for those who are wanting to take advantage of sky miles.


The Blue Business® Plus Credit Card from American Express

Highlight Features: This approved card for small businesses will give you $300 cash back as well as $100 in statement credit when you make a purchase with one of their partners. You earn 2X Membership Rewards® for the first $50,000 every year, and 1 point afterward. Purchase above your credit limit for additional rewards and flexibility. This card also includes no annual fee and zero APR for the first 12 months.

The American Express® Business Gold Card

Highlight Features: This approved card for small businesses has a sign up bonus of 35,000 points after you spend $5,000 on certain purchases in the first three months. Receive 4X Membership Rewards® in two select categories (up to $150,000 yearly) and 1 point for everything else.
This card has an annual fee of $295.


Delta SkyMiles® Reserve Business American Express Card

Highlight Features: This card’s sign up bonus includes 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $4,000 in the first 3 months. Receive 15,000 Medallion® Qualification Miles (MQMs) after spending $30,000 in a calendar year. When flying, get access to the Delta Sky Club® Access and The Centurion Lounge. This card has an annual fee of $550.

Delta SkyMiles® Gold Business American Express Card

Highlight Features: If you apply before 10/28, you are eligible to receive 60,000 bonus miles after spending $3,000 in the first three months. Earn $100 in Delta flight credit after spending $10,000 in a calendar year. Earn 2 miles for every dollar made on select purchases, and 1 mile on all other purchases. This card has no fee for the first year and a certified small business credit card.




Personal Capital

The tool I check daily, Personal Capital is the best tool for tracking your net worth and your progress towards goals like saving, debt payoff, and (yes!) $100K. {Free}



Managing debt isn’t easy. But Charlie can help. Figure out which debt to pay off first, automatically move dollars towards your debt, and start boosting your bank account over time. {30 days free}


SAVE: for the big stuff


M1 Finance

Does investing intimidate you? M1 Finance helps you start — for retirement or another goal — by taking the scary out of it. They guide you through the entire process and invest FOR you.


CIT Bank

You’re earning .01% interest at your current bank. You could be earning more than 10X that amount with the high yield savings account I recommend for all my clients. It’s easy to make the switch, and the best first step to improving your finances.



Overwhelmed by your student loans? Juno uses the power of group buying to negotiate with banks to get members better deals on their student loans. You can join Juno for free today to access their deals and find out how much money you could save. Rates for refinancing start at 2.25% fixed, with up to $1,000 cash back.


SAVE: on the small(er) stuff

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The Best Way to Save on Traveling

Airbnb is my go-to tool to find affordable lodging everywhere I go. They have anything from a treehouse for the weekend or an entire home for the whole family. Plus you can use filters to personalize your search! {Get up to $65 off}



My go-to app for cashback & coupons to all my favorite places. Create an account {for free} by entering your phone number and get ready to save $100s.



You remember that time where I talked about how you should be negotiating all of your bills? (You should.) That's where Trim comes in. Not only do they help track your money and remind you about upcoming payments, they also will negotiate cable and phone bills FOR YOU. {Freemium}


Easy Money

Opencare gives you money to go to the dentist (yes, really.) They pair you up with a new healthcare provider — and after your appointment, you get rewarded! {Get a $50 gift card after your first visit!}


Personal Finance for Couples

Looking for a way to tackle finances, stay on budget, and conquer money communication with your significant other? Zeta does all this for you— and they also have a ton of great resources like a money personality quiz, blog posts, podcast episodes, and more! {Free}


Save on Groceries

Save money on affordable, sustainable groceries and fight food waste with this flexible grocery subscription. Customizable based on quantity, quality, and dietary restrictions. Save money, help the environment, and skip the grocery store? Yes, please!


Business Recommendations


Email Marketing Software

Flodesk is by far the easiest interface for building out workflows and managing email campaigns. Not only are their email templates so stinkin’ attractive, but so is the price (way cheaper than ConvertKit or Mailchimp.)


Accounting Software

Quickbooks takes the trouble of being your own accountant completely out of the equation. Track income & expenses, send invoices, perform bookkeeping, and more with your incredibly visual and easy-to-use business profile.


A Platform to Grow My Website & Brand

Ezoic is a one-stop-shop for monetizing your website. It has helped me streamline all of the ads on my site with a super-intelligent automated system, while still allowing me to easily control advanced settings. With an average of 50% more ad revenue and 48% more traffic per year for their customers, you’re gonna want to switch to Ezoic.


Payroll Management

Gusto is the all-in-one platform I use to pay and support my amazing team. It makes onboarding new hires seamless. Payroll is distributed to my team with a few clicks and the proper taxes are filed for me in seconds! Gusto will also help with finding the right health benefits that fit your team and budget and offer an abundant amount of resources to help my team manage their money.


HerFirst100k.com has partnered with CardRatings for our coverage of credit card products. HerFirst100k.com and CardRatings may receive a commission from card issuers.