About Natalie Rutledge

Natalie Rutledge majored in Communications at Mississippi State University. She was in sales for a number of businesses and spent nine years working as a communications advisor to various entities. Natalie can be contacted directly at natalie@lowcards.com

Samsung Pay Adds Eight More Credit and Debit Cards

On Monday, Chase Visa credit, debit and Liquid cards joined the line of cards supported by Samsung Pay. A number of MasterCard issuers have also joined Samsung Pay, including Citizens Equity First Credit Union, Randolph-Brooks Federal Credit Union, Security Service Federal … Continue reading

Salvation Army’s Red Kettle Ringers Now Accept Credit Cards

The Salvation Army's longstanding Red Kettle campaign is finally getting a high tech makeover. The 120-year-old tradition is no longer accepting just cash donations. Now donors can swipe their credit cards at the kettle, much like they would at a … Continue reading

Bitcoin Currency May be Coming to Your Wallet

The first bitcoin debit card has been introduced in the United States. Last Friday, Coinbase rolled out The Shift Card, a Visa debit card that allows Coinbase users to spend bitcoin offline in 24 states. Up to this point, bitcoin--which is … Continue reading

Layaway Plans Popular Again During 2015 Holiday Shopping Season

To attract holiday shoppers and encourage spending, retailers are promoting layaway plans with lower service fees and longer layaway periods. Many stores are even shipping layaway items. Layaway programs allow shoppers to reserve items and make interest-free payments toward the … Continue reading

Holiday Perks For Chase United MileagePlus Cardmembers

Chase and United Airlines are treating their United Mileage Plus Cardmembers to VIP Lounges at two major shopping malls in San Francisco, California and Short Hills, New Jersey. From November 27 through December 24, cardholders and up to three guests … Continue reading

Millennials are More Loyal to Gas Discounts than Brands

Millennials are more willing than Baby Boomers or Generation X consumers to switch retailers (78%) or brands (55%) to earn fuel savings, according to a new study, "The Roads to Rewards: What Drives Millennial Loyalty?" The survey, which was conducted … Continue reading

Joe’s Crab Shack Tests No-Tipping Policy in 18 Locations

Joe's Crab Shack is changing the way people pay to eat at their restaurant. Instead of launching a new mobile payment app like Outback or adding new loyalty rewards like Chili's, this restaurant has eliminated tipping in some of its … Continue reading

Chase Disney Visa Cardmembers Get Exclusive Star Wars Imperial Meet ‘N’ Greet

Today, Chase Card Services and The Walt Disney Company announced that Disney Visa cardholders will be granted access to an exclusive Star Wars Imperial Meet 'N' Greet at the Disneyland and Disney World Resorts. Starting Monday, fans can enjoy the Imperial Meet 'N'Greet at … Continue reading

Can You Lease and Insure Your New Car from the Driver’s Seat?

DocuSign, together with Visa, wants to make it easier for consumers to lease and obtain insurance for a new car. DocuSign plans to create an app that will be imbedded in the dashboard of a Visa-connected car and would make it possible … Continue reading

79% of Small Business Owners Unprepared for Cyber Attack

Nearly eight in ten (79%) small business owners do not have a cyber attack plan, even though 63% have already been the victims of at least one attack, according to a Nationwide study released today. Respondents were asked why they had … Continue reading

Americans are Spending $2,746 Every Year on Lunch

If your budget--or waistline--needs trimming, you may want to take a look at what you are doing for lunch. According to a Visa study, Americans are spending about $53 each week on lunch, or $2,746 per year. While 42% of Americans … Continue reading

Americans Remain Concerned About Credit Card Theft

According to the latest figures from Gallup, reports of credit card theft have decreased in the past year. Only 22% of respondents said they had experienced credit card theft in 2015, compared to 27% in 2014. With the record number … Continue reading

Kohl’s and Walgreens Link Loyalty Cards to Apple Pay

Last week, Kohl's became the first retailer to have its loyalty rewards card linked to Apple Pay. The department store made this announcement via Twitter on last week. This gives consumers a chance to earn rewards points on their card … Continue reading

Wells Fargo Stops Foreign Transaction Fees on Small Business Accounts

Wells Fargo has announced it is eliminating foreign transaction fees for small business credit cards and business lines of credit, effective October 1 of this year. This action will make Wells Fargo the only major bank in America to not charge … Continue reading

New Rules for College Debit Cards and Financial Aid Disbursements

The U.S. Education Department is creating new regulations for college-sponsored debit cards used for financial aid disbursements. The rules are designed to protect students from being charged high fees for using the cards and to prevent colleges from forcing students … Continue reading

13 Million Passwords Taken in Web Host Data Breach

The usernames, email addresses and passwords of 13.5 million accounts were stolen from 000webhost, a Lithuanian-based web hosting company. The company admitted to the breach on its Facebook page. In the statement, the company said, "We have witnessed a database … Continue reading

Consumers are Very Concerned About Retailers’ Data Collection

A new report reveals an overwhelming majority of consumers do not like retailers' data privacy and personalization initiatives. The Capgemini Consulting report found that 93% of consumers are suspicious of retailers' privacy initiatives. The main two concerns were data security (76%) and the intrusive … Continue reading

Chase Replaces Square as the Payment Processor for Starbucks

Starbucks will soon be partnering with JPMorgan Chase to handle non-mobile payments for the coffee chain. Currently, this task is performed by Square, the company known mostly for its mobile credit and debit card readers. Square has processed payments for … Continue reading

PayPal Offers Free Return Shipping in America

PayPal is finally bringing its "Return Shipping on Us" program to America after a year of success on the European market. The launch comes just in time for the online holiday shopping season. The free return shipping program is designed … Continue reading

MasterCard Launches Safety Net Program for Cybersecurity

To help protect banks and payment processors against cyber hacking, MasterCard has developed a special program called Safety Net that identifies potential threats before they turn into full-blown attacks. The program is designed to screen billions of transactions a day … Continue reading

Splitting Your Restaurant Bill May Get Easier

Smartphone apps are making it easier to split restaurant bills or bar tabs. Last week, Mozido, a global digital commerce company, and TabbedOut, a company that provides quick payments at thousands of bars and restaurants, announced a partnership to create a mobile … Continue reading

Scotiabank to Buy JPMorgan’s Canadian Credit Card Portfolio

Yesterday, Scotiabank announced it would purchase the Canadian credit card portfolio of JPMorgan Chase. The deal includes the Sears Canada private label credit cards. The financial terms of the deal were not released. JPMorgan's MasterCard and Sears credit card portfolio has $1.32 … Continue reading

Millennials Not Thrilled with their Bank or its Services

Millennials would rather use their mobile phone than do their banking at a traditional branch by an overwhelming margin, according to a new survey from Chime, a mobile banking company. The research showed 88% of Millennials would rather use a bank … Continue reading

Dow Jones the Latest Victim of Data Breach

Last Friday, Dow Jones & Co. announced that hackers had accessed the payment card and contact information for approximately 3,500 current and former subscribers. Dow Jones, owner of The Wall Street Journal, MarketWatch and Barron's, said the hackers sought this … Continue reading

New Credit Card Earns Free Nights at Any Hotel

Yesterday, Stash Hotel Rewards and Synchrony Financial launched the Stash Hotel Rewards Visa Card. Stash Hotel Rewards, an independent hotel rewards program, lets members earn points for staying at one of over 150 independent hotels in 100 U.S. cities. Currently, loyalty … Continue reading

The Container Store to Introduce Private Label Credit Card

Starting in Spring 2016, The Container Store customers will introduce a private label credit card through Synchrony Financial. The multi-year agreement between Synchrony Financial and The Container Store, a retailer devoted to storage organization and products, will give customers the … Continue reading

Louisiana Ends Tax Refunds on Prepaid Debit Cards

As of last week, taxpayers in Louisiana can no longer receive their tax refunds on prepaid debit cards. Refunds will still be available through check and direct deposit, but the prepaid program, known as Louisiana MyRefund Prepaid Debit Cards, is officially over. … Continue reading

Federal Court Okays New York Ban on Credit Card Surcharges

Last week, a Federal appeals court ruled it was constitutional for the state of New York to prohibit merchants from passing along credit card fees to their customers. The 2nd U.S. Circuit Court of Appeals voted 3-0 to reverse a … Continue reading

Sam’s Club Begins Accepting American Express Cards

Today, Sam's Club began accepting American Express cards in its chain of warehouse retail stores. American Express is also making a limited time offer to eligible cardholders for use at Sam's Club locations. For the month of October, American Express … Continue reading

Samsung Pay Available on TSYS Terminals

On Monday, TSYS, a credit card processing company, announced it would accept Samsung Pay, allowing their clients and merchants the ability to offer and accept mobile payments using nearly any terminal where you can swipe or tap your card. To use this … Continue reading

Barclays and Verifone Team Up to Simplify Mobile Payments

On September 23, Barclays announced it would be partnering with Verifone to improve mobile commerce transactions. Retailers using Verifone’s m-commerce gateway will now be able to join the 70,000 businesses that are already using Barclays Pingit app. Consumers will be able … Continue reading

Alliance Data to Manage Toyota Co-Branded Credit Cards

Last week, the card service company Alliance Data Systems Corporation was selected by the Toyota Motor Corporation to manage the company's existing co-branded credit card program. Under the new agreement, Alliance Data will provide marketing services for Toyota and Lexus's … Continue reading

United Airlines, Visa and Chase Negotiate a New Deal

Last week, Chase, Visa and United Airlines announced the companies would renew their partnership and extend the United MileagePlus credit card program. The three businesses have been partnered for more than 20 years. Under this renewal, United Airlines, which operates nearly … Continue reading

Lawsuit Against Target Gains Class Action Status

Yesterday, U.S. District Court Judge Paul A. Magnuson ruled against Target’s claim that the lawsuit against them should not gain class action status. Financial institutions filed the suit due to a December 2013 security breach, when hackers gained access to … Continue reading

Apple Pay to Accept Discover Cards Beginning Wednesday

Starting this Wednesday, September 19th, Apple Pay will be accepting Discover cards on its mobile wallet. Discover It cardholders will soon be able to pay for transactions with their phones, thanks to the near field communications technology that makes Apple … Continue reading

Sam’s Club to Accept American Express Cards

Starting October 1, Sam's Club will begin accepting American Express cards in its national chain of bulk retail stores. Sam's Club, a division of Walmart, will also accept the AmEx Bluebird Prepaid Cards. These cards have been sold in Walmart … Continue reading

Free EMV Card Readers Available for Small Businesses

Small businesses enrolled in the MasterCard Easy Savings program may now receive a free EMV card reader, courtesy of ShopKeep. The new partnership also gives small business owners a 20% discount on point-of-sale hardware, including cash drawers, printers and other … Continue reading

Jewel Osco Payment Glitch Causes Double Charges

The grocery chain, Jewel Osco, recently reported a payment glitch resulting in double charges for some customers on their debit cards. The company has not released details about the number of customers affected by the problem, but if you have … Continue reading

Klarna Streamlines Online Payment Processing in the U.S.

Shoppers in the United States may soon have a new way to pay for their online purchases. Last week, a Swedish-based company called Klarna joined forces with OverStock.com to allow shoppers to buy items without any upfront money or card … Continue reading

eBay Sellers Can No Longer Process Payments Through PayPal Rivals

PayPal and eBay may have split ways, but that doesn't mean they will no longer be affiliated with one another. As part of their breakoff agreement, eBay promised to process at least 80% of its payments through PayPal. Now, the … Continue reading

Smart Vending Machines Will Become the Norm

Mobile payments are no longer reserved for restaurants and retailers. Through recent technological innovations, smart vending machines are making their way across the country. Vending machines are becoming just as cashless as the rest of society. Many units now come equipped … Continue reading

Samsung Will Take Apple to the Supreme Court

In the battle of Apple vs. Samsung, Apple has been the aggressor in legal cases for the past three years. Now, however, it appears as though Samsung is taking a stab at Apple, and they're taking it all the way … Continue reading

PayPal Acquires Modest Mobile Commerce Startup

In its first big transaction after cutting ties with eBay, PayPal has acquired mobile commerce startup Modest for an undisclosed amount of money. Modest provides innovative mobile solutions for merchants and retailers, including the ability to incorporate a buy button … Continue reading

Perk Plastik Prepaid Loyalty Card Introduced

Mobile rewards provider Perk.com has joined forces with Discover to provide a prepaid loyalty card for shoppers in America. The Perk Plastik card allows users to earn "Perk Points," which can be converted into money that users can apply to … Continue reading

Rite Aid Stores Now Accepting Mobile Payments

After rejecting the idea of mobile payments, the national drug store chain Rite Aid announced it is now accepting Apple Pay, Google Wallet and the upcoming Android Pay as of this past Saturday, August 15. The change most likely came from … Continue reading

Carphone Warehouse Data Breach Affects 2.4 Million British Customers

British cellphone retailer Carphone Warehouse recently suffered a data breach that could impact up to 2.4 million customers in the United Kingdom. Of those 2.4 million, as many as 90,000 people may have had their encrypted credit card information stolen in … Continue reading

Back to School Spending Up 8% This Year

Parents plan to spend an average of $1,239 on school supplies in 2015, an increase of 8% from last year and 24% since 2011, according to the latest American Express Spending & Saving Tracker. Two important factors in this spending increase … Continue reading

Hackers Turn Square Card Reader into Portable Skimmer

Credit card thieves may now have an easier way to steal card numbers, thanks to a hacking opportunity that was uncovered on the Square portable card reader. The hack essentially turns off the encryption settings on the reader, allowing users … Continue reading

Universal Payment Processor Introduced for Small Businesses

Springboard Retail and Heartland Payment Systems have partnered to provide small businesses with an easy way to accept payments across all platforms, including mobile wallets and EMV cards. Springboard Retail is a cloud-based retail management and point-of-sale platform, and Heartland … Continue reading

Recent Stories & News

Fantasy Sports Lawsuit Takes Aim at Credit Card Companies

Fantasy Sports Lawsuit Takes Aim at Credit Card Companies

A new class action lawsuit filed in New York could alter the way credit card companies interact with[...]
LowCards.com Weekly Credit Card Update–November 25, 2015

LowCards.com Weekly Credit Card Update–November 25, 2015

18 Most Popular Things Fraudsters Buy with Your Credit Card When you're scanning your credit card s[...]
10 Credit Card Tips to Better Manage Holiday Spending

10 Credit Card Tips to Better Manage Holiday Spending

We are approaching one of the biggest shopping weekends of the year. Nearly 136 million people plan [...]
The LowCards.com Weekly Credit Card Rate Report for November 24, 2015

The LowCards.com Weekly Credit Card Rate Report for November 24, 2015

The LowCards.com Weekly Credit Card Rate Report is based on our Complete Credit Card Index which tra[...]
Samsung Pay Adds Eight More Credit and Debit Cards

Samsung Pay Adds Eight More Credit and Debit Cards

On Monday, Chase Visa credit, debit and Liquid cards joined the line of cards supported by Samsung P[...]
Best Credit Cards for Holiday Shopping

Best Credit Cards for Holiday Shopping

The holiday season brings out the shopaholic in all of us as we buy the gifts for loved ones and fri[...]
Optimistic Shoppers to Spend More This Holiday Season

Optimistic Shoppers to Spend More This Holiday Season

Almost half of all consumers are more confident about their financial situation during this holiday [...]