In this episode of PennyWise, host John Kiernan and guest Brett House, a Professor of Economics at Columbia Business School, talk about how a 10% cap on credit card interest rates would affect consumers and the economy. John and Brett discuss the winners and losers of a 10% rate cap, along with other ways to address affordability concerns.

More on this episode from WalletHub:

• Credit Card Landscape Report
• Best Credit Card Rates
• Best 0% APR Credit Cards
• Best Balance Transfer Credit Cards
• Credit Card Payoff Calculator
• What Is a Good APR for a Credit Card?
• Historical Credit Card Interest Rates

If you want to take your finances to the next level, sign up for a WalletHub Premium subscription. You can get a personalized debt repayment plan, along with budgeting tools, credit-improvement help, identity protection and more.

In this episode of PennyWise, host John Kiernan and guest Lauren Weatherford, an associate professor at West Virginia University Extension, talk about how to get through Valentine’s Day without overspending…or putting your relationship in jeopardy. John and Lauren discuss the best ways to celebrate on a budget, how to cost-effectively impress your significant other, and major mistakes to avoid. If you have love in your life but not enough money to go around, this V-Day edition of Pennywise is for you!

More on this episode from WalletHub:

• Best Credit Cards of 2026

• Valentine’s Day Spending Survey

• Best Jewelry Store Credit Cards

• Valentine’s Day Facts

• Best Places to Celebrate Valentine’s Day

• Free Gift Ideas

You could also give your Valentine a WalletHub Premium subscription this V-Day. After all, things like budgeting tools, credit-improvement help, and identity protection are gifts that keep on giving.

In this episode of PennyWise, host John Kiernan and guest Professor Jeffry Haber of Iona University discuss how to go about choosing the right credit card to apply for. John and Jeffry cover what different types of applicants should look for, what pitfalls to avoid, and the best offers to apply for in 2026. John also breaks down WalletHub’s editors picks.

More on this episode from WalletHub:

• Best Credit Cards of 2026

• Best Cash Back Credit Cards

• Best Travel Credit Cards

• Best Credit Cards for Beginners

• Best Credit Cards for Bad Credit

• Best Balance Transfer Credit Cards

• How to Choose a Credit Card

You can also use WalletHub’s budgeting and expense tracking tools to keep your credit card spending in check. Information about offers is accurate as of 1/14/2026.

In this episode of PennyWise, host John Kiernan and guest Professor Nicole Hickson discuss how to get your money right in 2026. Whether you’re making a financial New Year’s resolution or just determined to make 2026 more prosperous than the past, there are steps you can take to improve your financial performance, save more money, reduce stress, and afford to treat yourself once in a while! John and Nicole will give you the gameplan for success. Plus, John answers a recent listener question.

More on this episode from WalletHub:

• New Year’s Financial Resolutions Survey

• 16 Financial Resolutions for 2026

• WalletHub Budgeting Tools

• Best Credit Cards for 2026

You can sign up for a WalletHub account to get personalized credit-improvement advice, rent and bill reporting, budgeting and expense tracking tools, identity theft insurance, and much more.

In this episode of PennyWise, host John Kiernan and guest Dr. Jessica G. Zeiss from Ball State University discuss the best ways to go about getting a credit card. It might seem like a simple topic, but there’s a lot more that goes into choosing the right credit card and actually getting approved than most people realize. John and Dr. Zeiss cover the process of getting a credit card from start to finish, highlighting money-saving strategies to use as well as costly pitfalls to avoid. They also talk about why getting a credit card is so important to achieving overall financial success and how many credit cards you should have. John answers some of your questions, too.

More on this episode from WalletHub:

• How to Choose a Credit Card

• How to Apply for a Credit Card

• How to Get Approved for a Credit Card

You can compare credit card offers on WalletHub to find the best card for your needs. You can also reference WalletHub’s editors’ picks for the best credit cards for building credit, rewards, 0% APR and more.

In this episode of PennyWise, host John Kiernan and guest Luke Powers discuss the latest trends in charitable giving, how listeners can make the biggest impact with their contributions, and strategies for avoiding scams. With the burden of inflation, high debt levels, and an uncertain job market, many people feel like they can’t afford to give back, and charitable organizations are struggling to get enough funding. But if you make the right moves, you can still make the world a better place, even with limited funds. We’ll help with that by covering the best charities by category, organizations to avoid and much more. John answers some of your questions, too.

More on this episode from WalletHub: Best Charity Credit Cards & Charity Calculator

To find the best charities overall and by category, check out SmileHub's picks for the year’s best charities to donate to.

In this episode of PennyWise, host John Kiernan and guest Adam McCann discuss the dangers of so-called “deferred interest” and how to avoid becoming a victim this holiday shopping season and beyond. John and Adam explain what deferred interest is and how it works, detail when you’re likely to encounter it, and provide tips for how to deal with it, plus ideas for safer alternatives. This financing trick is a lot more common and costly than most people realize, so it could really pay off to learn the ins and outs of this scheme. In addition, John answers some of your questions.

More on this episode from WalletHub: Best 0% APR Credit Cards & Best Budget Apps

To find the best way to pay for your shopping trips, both during the holidays and throughout the year, check out WalletHub's picks for the best credit cards for shopping.

In this episode of PennyWise, host John Kiernan discusses the importance of having an emergency fund and how to build one with Adam McCann, a personal finance writer with WalletHub who is an expert on credit cards and budgeting. John and Adam define what an emergency fund actually is, explore the risks that come with not having one, and provide practical tips for saving more, funding different savings goals, and keeping everything straight. Budgets are tight these days, and you never know when an emergency expense will crop up, so you’ll be glad you listened! John also answers listener questions.

More on this episode from WalletHub: Best Budget Apps & How to Save More Money

To find the best home for your emergency fund, check out WalletHub's picks for the best savings accounts.