Gift cards once again topped the list of most popular presents this holiday season, and for good reason: with their versatility and ease of purchase, they offer great benefits for both giver and receiver. However, despite their enduring popularity, many gift cards end up never getting spent.

A new breed of personal finance smart phone apps lets users pay credit cards and other bills in an instant, as well as manage all other aspects of their personal finances.

With most adult Americans wielding 4-8 credit cards, keeping track of your credit cards and determining the best way to manage them can be time-consuming and outright daunting.

Many people are nervous about refusing optional rental car insurance, not realizing that claims involving rental cars in most cases are covered by their regular auto insurance policy, plus an unlikely ally: their credit cards.

Among an otherwise long string of reports of rising credit card defaults, American Express continued to break the trend and significantly outperformed its competitors.