Automotive Holiday Deals Books Holiday Gift Guide Shop Men's Athletic Shoes Learn more nav_sap_plcc_6M_fly_beacon Indie for the Holidays egg_2015 All-New Amazon Fire TV Get Ready for the Winter Gifts Under $50 Amazon Gift Card Offer bf15 bf15 bf15 $30 Off Amazon Echo Starting at $49.99 Kindle Black Friday Deals Black Friday Video Game Deals Outdoors Gift Guide on DOTD
How You Can Profit from Credit Cards and over one million other books are available for Amazon Kindle. Learn more

Enter your mobile number or email address below and we'll send you a link to download the free Kindle App. Then you can start reading Kindle books on your smartphone, tablet, or computer - no Kindle device required.

  • Apple
  • Android
  • Windows Phone
  • Android

To get the free app, enter your email address or mobile phone number.

  • List Price: $19.99
  • Save: $0.31 (2%)
FREE Shipping on orders over $35.
Only 9 left in stock (more on the way).
Ships from and sold by Gift-wrap available.
How You Can Profit from C... has been added to your Cart
Condition: Used: Good
Comment: Solid used copy with visible wear.
Have one to sell? Sell on Amazon
Flip to back Flip to front
Listen Playing... Paused   You're listening to a sample of the Audible audio edition.
Learn more
See this image

How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line Paperback – June 16, 2008

16 customer reviews

See all 2 formats and editions Hide other formats and editions
New from Used from
"Please retry"
"Please retry"
$11.60 $4.17

Deals in Books
$19.68 FREE Shipping on orders over $35. Only 9 left in stock (more on the way). Ships from and sold by Gift-wrap available.

Frequently Bought Together

  • How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line
  • +
  • The Skinny on Credit Cards: How to Master the Credit Card Game
  • +
  • How To Take Advantage of the People Who Are Trying To Take Advantage of You: Credit Arbitrage
Total price: $40.62
Buy the selected items together

Special Offers and Product Promotions

  • Take an Extra 30% Off Any Book: Use promo code HOLIDAY30 at checkout to get an extra 30% off any book for a limited time. Excludes Kindle eBooks and Audible Audiobooks. Restrictions apply. Learn more

Editorial Reviews

From the Back Cover

 “This book is a must-read for credit card holders of all ages. Curtis Arnold offers insights into how consumers can not only profit financially from credit cards, but importantly, how to avoid falling into debt.

Thomas R. Evans, President and CEO of, Inc.


“Finally, someone has written a guide for savvy consumers who want to make the most of the plastic in their wallets. Curtis Arnold explains exactly how to maximize your rewards so you're quite literally getting free money and also outlines winning strategies for negotiating the lowest interest rate and using balance transfers to your advantage. Anyone who wants to build credit, improve their credit, or profit from their credit cards should read this book.

Liz Pulliam Weston, MSN Money Personal Finance Columnist and Bestselling Author ofYour Credit ScoreandEasy Money


“Curtis Arnold is America's premier credit card expert. Whether you're trying to get your first card, compare credit offers, or figure out how to beat the credit card companies at their own game, Arnold's wisdom and insider tips will prove invaluable.

Lynnette Khalfani-Cox, The “Money Coach and Author ofThe New York TimesBestsellerZero Debt: The Ultimate Guide to Financial Freedom


“If you have had enough of credit card tricks and traps, this book will show you how to turn the tables. Curtis Arnold knows the credit card business inside and out and offers proven ways to put plastic to work for you, rather than against you.

Gerri Detweiler, Consumer Advocate and Author of four books on personal finance including the forthcoming bookStop Debt Collectors


“For most Americans, credit cards are seen as a necessary evil. Curtis Arnold transforms that perception. Using his advice, people can get rebates, perks, better interest rates, and all kinds of benefits from their cards that they never knew were possible. This book helps you become the master of your credit cards instead of a victim.

Jordan E. Goodman, “America's Money Answers Man and Bestselling Author ofEveryone's Money Book on Credit


“Curtis Arnold provides you with tips for protecting yourself from costly credit card traps, how to use credit to your advantage, and much more. This is a must-read book!

Marcia Brixey, Author ofThe Money Therapistand Founder and President of Money Wise Women Educational Services


Banks spend billions to entice credit card customers with rebates, freebies, low introductory rate offers, and airline miles. This book shows you how to take maximum advantage of these special deals—withoutpaying for them through brutally high interest rates, fees, and penalties!


Top independent credit card expert Curtis Arnold reveals how to creatively finance major purchases such as cars, weddings, and condos with little or no interest charges...arn huge credit card “perks every year...nd dramatically reduce your cost of credit. He offers specific advice targeted to: young consumers, retirees facing credit discrimination, Americans recovering from debt problems, and even to consumers with spotless credit.


Why should huge banks and credit card companies make all the money? Get this book, and you too can start earning and saving hundreds, and possibly thousands of dollars, like Curtis has!

  • Unlock the keys to huge credit card savings
    Find the best rates and balance transfer offers—and make the most of them
  • Fly anywhere, finance anything
    Use credit cards to get free airline tickets and cash rebates or low-cost “creative financing
  • Don't get ripped off—by your bank or anyone else
    Avoid hidden fees, costly small print, and flat-out fraud
  • Slash your debt, and cut your cost of credit
    Stop throwing away money you could be saving or investing

Acknowledgments xvii

About the Author xxi


Chapter 1: It's Not Just Plastic-It's Money! 1

Chapter 2: Show Me the Money! Credit Card Rebates 23

Chapter 3: Unlock the Key to Huge Savings: Master Credit Card Rates and Transfer Offers 51

Chapter 4: Avoid Problems That Hinder Maximum Profits 75

Chapter 5: How to Slash Your Debt and Keep Your Hard-Earned Money for Yourself 89

Chapter 6: Watch Out: Traps and Scams Can Cost You Big Bucks! 119

Chapter 7: Start Out on the Right Foot-Credit Cards for Students and Saving for College 155

Chapter 8: Use Targeted Cards to Your Financial Advantage 179

Chapter 9: Your Credit Report and Score: The Better You Look, the More You Profit 209

Chapter 10: Maximize the Benefits of Your Cards by Taking Advantage of Additional Free Perks 237

Chapter 11: Master Advanced Card Techniques to Save and Make Money 259

Chapter 12: Capitalize on Future Card Trends 283


Glossary 301

Index 315



About the Author

Curtis E. Arnold, a well-known consumer educator and advocate, is the founder of, an award-winning website that has been providing objective, current information about credit cards free of charge since 1998. His website has made it easy for millions of cardholders to find more attractive credit cards and lower their card debt.


Some 1,000 unique credit card offerings are rated by both experts and cardholders on, and new reviews are added daily. Cards are categorized for people with no credit or poor, fair, good, or excellent credit–and by whether they offer a low-interest rate, cash back, miles, or other rewards. also provides a free forum (containing over 115,000 posts)–where Curtis interacts regularly with participants–to discuss credit issues such as sharing ideas on how to make the most of credit cards, get out of debt, and solve credit issues. Sharing detailed information with consumers has three important additional benefits from Curtis’s point of view: It encourages stronger competition among card issuers, helps create a more consumer-friendly credit card industry, and keeps in touch with the needs of cardholders.


Curtis knows firsthand the devastating effects of credit card debt. By the time he was finished with his graduate studies at the University of Texas at Dallas, his credit card debt reached $45,000. The stress it created in his life was “unbelievable,” as Curtis puts it, and has a lot to do with why he wrote this book. His goal is to spare you the experience of what he went through and to show you the best ways to benefit from your credit cards.


Over the years, Curtis and have received an enormous amount of national publicity and praise, thanks to interviews Curtis has given to The Wall Street Journal, The New York Times, The Washington Post, USA Today, Money Magazine, NPR (National Public Radio), CNN, ABC News Radio, AARP, Dow Jones Newswire, Bottom Line/Personal, PBS, SmartMoney Magazine, Reader’s Digest, MSN Money, MSNBC TV, The Associated Press, CNBC, TIME Magazine, and more.


Since its founding, Curtis has expanded CardRatings. com’s role and online offerings. For example, the site now provides all the data (card terms and conditions) for the credit card and ATM/debit survey published by the New York State Banking Department, the oldest bank regulatory agency in the nation. The site also includes credit card news and advice on everything from getting a line of credit to getting a copy of your credit report to getting a better rate or rebate. It’s also a good place to turn if you’re looking for business or student cards.


Arkansas Business, a weekly journal, selected Curtis as a “Top 40 Under 40” business leader in 2005, recognizing him as an intriguing business and political leader who bears watching. He was selected as a National Council of La Raza panelist in 2006 to discuss Hispanic credit card issues, and he was a guest speaker in 2007 at The Responsible Credit Roundtable, which provides a forum for leaders of the credit card industry and nonprofit organizations to devise, test, and implement ways to improve communication and account practices to build value for both companies and customers.


Curtis has a particular passion for educating students about credit. He serves on the Advisory Board for the Center for Consumer Financial Services at Rochester Institute of Technology, which provides national leadership and research on student credit issues. Curtis also regularly speaks on college campuses about the ins and outs of credit. Finally, he currently serves as co-chair of the Arkansas chapter of the Jump$tart Coalition for Financial Literacy, which seeks to educate students about personal finance issues.


Curtis participates in other consumer advocacy groups with various missions. For example, he contributes on a weekly basis to, a blog where leading financial experts discuss credit, loan, debt, and identity theft topics. Curtis is also a member of Arkansans Against Abusive Payday Lending, a coalition of Arkansans dedicated to combating abusive payday-lending practices. Finally, he’s a member of the Financial Literacy Education Consortium, a community of professionals concerned with “best practices” in the delivery of financial education to their constituents.


Before founding, Curtis worked in various capacities in the financial industry, for example, at Advancial Federal Credit Union, Regions Bank, and Metropolitan National Bank. In addition, Curtis gained some valuable “eBusiness” experience by working for Intelemedia Communications in the high-tech corridor of North Dallas.


Curtis enjoys being involved in community organizations in the Little Rock area, where he has served on the Board of Directors for Arkansas Festival Ballet. He has been a member of Toastmaster’s International, the West Little Rock Rotary Club, Techpreneur, a nonprofit organization that encourages technological entrepreneurship, and the Little Rock Bop Club. Curtis is also an active member of The Summit Church in North Little Rock.


Last but not least, Curtis cherishes his family life. His wife Nancy serves as the accounting supervisor for Curtis and Nancy currently reside in North Little Rock, Arkansas with their five children– Dallas, Erin, Hunter, Avery, and Claire.



Hero Quick Promo
Holiday Deals in Kindle Books
Save up to 85% on more than 1,000 Kindle Books. These deals are valid until November 30, 2015. Learn more

Product Details

  • Paperback: 352 pages
  • Publisher: FT Press; 1 edition (June 16, 2008)
  • Language: English
  • ISBN-10: 0132353776
  • ISBN-13: 978-0132353779
  • Product Dimensions: 5.3 x 0.9 x 8 inches
  • Shipping Weight: 11.4 ounces (View shipping rates and policies)
  • Average Customer Review: 4.9 out of 5 stars  See all reviews (16 customer reviews)
  • Amazon Best Sellers Rank: #1,035,382 in Books (See Top 100 in Books)

More About the Author

Curtis Arnold is a nationally recognized consumer educator and advocate. He is the CEO/Founder of, a website that provides credit card ratings and reviews of over 20,000 offers. Curtis has been educating consumers about credit cards since 1998. He is regularly interviewed and quoted by respected members of the national press regarding consumer credit issues.

Customer Reviews

5 star
4 star
3 star
2 star
1 star
See all 16 customer reviews
Share your thoughts with other customers

Most Helpful Customer Reviews

22 of 24 people found the following review helpful By William Lund on August 26, 2008
Format: Paperback
Being an avid reader and contributor of the forums for a couple years at I had to purchase the book and was pleased with the great material found within. It took the best of what I've learned and explains it all in a well organized manner. I point family and friends to it now, cause it explains it all much better than I can. With the help of the forums I overcome a $12000 credit debt in 2 years and over the time built a score close to 800. I enjoy having my cards earn me money instead of having debt and having the upper hand now that I know how the credit world works.

Thanks for your help, Curtis.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
18 of 21 people found the following review helpful By Sandy Winnich on July 19, 2008
Format: Paperback
I was very impressed with "How you can profit". Arnold seems very well-versed in credit cards and provides a lot of the ins and outs of the multi-billion dollar industry. Arnold goes over everything from why cards target college kids to how granny can be defrauded.

The one criticism I have is that most of the book doesn't tell you how to profit from credit cards as, say Credit Arbitrage does (you can actually have the credit cards make money for you $30~$1000 a month). Mainly it's just a how-to on all aspects of credit card ownership and usage- but highly recommended!
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
7 of 8 people found the following review helpful By C. Arnold on October 31, 2008
Format: Paperback
Curtis has written a very relevant, timely message to an audience that needed this many moons ago. I have struggled with my finances in my college days like most students, and have found myself asking, "Where would I be today if I had this book in college?" Curtis has written this book as a tool for any and every consumer, but specifically the student credit chapters need to be plugged in to every university in America. It's information would prevent the next generation from experiencing what we are going through today. I recommend this book to anyone who wants to see the next generation succeed financially!
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
14 of 18 people found the following review helpful By Mr. Panah Mosaferirad on June 24, 2008
Format: Paperback
I just had the chance to finish this book on my Kindle, and I am very impressed by the depth and richness of content that Mr. Arnold discusses in his book. I had a chance to briefly work with Mr. Arnold when I was at Advanta, and I kept thinking that if he wrote a book on all he knew about the industry, it would be a good one. Now that I have read it, I can tell you that it has exceeded my expectations.

Curtis is a top consumer advocate, so the fact that he actually cares about helping people get out of debt was not surprising. In the first chapter, Curtis talks about how your credit cards is more than just a piece of plastic, and by the fourth and fifth chapter, you get to master concepts such credit card rewards and rebates. There are so many good tips in this book that after you are done with it, you are going to wonder how you have gone without them till now.

My personal favorite section was "Master Advanced Card Techniques To Save and Make Money." I am not going to spoil the book for you here but as it's mentioned in the book, I highly recommend you look at for more tips and credit card reviews.

I do recommend the Kindle edition if you have the Amazon Kindle device. Not that this book is expensive, but it's more convenient to receive this book in 30 seconds rather than waiting a few days to get it shipped from Amazon.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
1 of 1 people found the following review helpful By Rolf Dobelli HALL OF FAMETOP 1000 REVIEWER on February 14, 2010
Format: Paperback
Credit card companies seem convinced that most consumers are spendthrifts who will quickly sink into debt if given the chance. And owning a credit card gives you that chance. Unfortunately, few applicants read the fine print on new credit card offers until they are merrily charging away and their debts mount. Eventually, previously naive consumers figure out that if they are late with even one payment, interest rates on all their cards can skyrocket. Fortunately if you know what to do - pay on time - you don't have to incur heavier debt. Here, consumer advocate Curtis E. Arnold outlines how you can reward yourself financially with savvy credit card use and how you can protect yourself. He hammers hard on the need to pay up, but the message really matters to your credit rating, particularly until new U.S. credit card regulations go into effect. Arnold explains how knowledgeable consumers can use the card companies' money for little or no interest, get cash back on their purchases, earn airline miles and even get the companies to contribute to their children's college funds. And none of it has to cost a dime. Want to learn how? getAbstract recommends this book to anyone who uses credit cards and wants to come out on top.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse
5 of 7 people found the following review helpful By Gerri Detweiler on December 5, 2008
Format: Paperback
I've been writing about credit issues for more than twenty years now, and through my work have had the opportunity to get to know the author Curtis Arnold. I am thrilled he finally pulled his knowledge together in this book, and can't recommend it highly enough.

We've all come to realize now with the credit crunch what a double-edged sword credit cards can be, and Curtis has done a thorough job explaining how to make sure you don't get hurt! The book is easy enough to read, but detailed enough to warn against traps you may not have heard of. (Trailing interest anyone?) You'll also find advanced strategies like credit card arbitrage, and predictions for the future of plastic.

This is an excellent, well-researched and well-written guide to credit cards. I would recommend it to anyone who uses plastic - whether you pay in full each month and want to maximize rewards, or you want to dig out from under as Curtis did himself.
Comment Was this review helpful to you? Yes No Sending feedback...
Thank you for your feedback.
Sorry, we failed to record your vote. Please try again
Report abuse

Most Recent Customer Reviews

Set up an Amazon Giveaway

Amazon Giveaway allows you to run promotional giveaways in order to create buzz, reward your audience, and attract new followers and customers. Learn more
How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line
This item: How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line
Price: $19.68
Ships from and sold by

Want to discover more products? Check out these pages to see more: ing bank online, airline gift cards, atm charges, credit card issuer