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.

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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.

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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.

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Ink Business Unlimited

Highlight Features: With a 1.5% Cash Back offer on every purchase made for your business and no annual fee, this is my preferred business card. Earn $750 bonus Cash Back after you spend $7,500 in the first 3 months. You can earn rewards faster with employee cards at no additional cost. Feel safe with Fraud Protection and Zero Liability.

Capital One Spark Cash Select for Business

Highlight Features: Earn unlimited 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions. If you spend $3,000 within your first 3 months, you can earn a one-time $200 cash bonus. At no cost, you can add employee cards, also earning 1.5% Cash Back on all purchases. No foreign transaction fees or annual fee.

 

BUDGET + PAY OFF DEBT

 
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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}

 

Charlie

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.

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Juno

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.

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SAVE: on the small(er) stuff

 

Rakuten

Gives you free cash back on almost all your favorite stores via a desktop plug-in. 

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Trim

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}

 

OpenCare

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!}

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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

 
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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.

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A Platform to Grow Your Website & Brand

Everything your website needs from start-up to success. Whether you're looking to create a website, blog, or online store, Bluehost can get you started with a hosting plan tailored to your specific needs. Their marketplace gives you access to hundreds of free and premium website themes, so you can pick one that suits your style and start building.

 

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.

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