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These 10 Companies Let You Work From Home AND Have Unlimited Vacation Time

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VladGans / Getty Images

VladGans / Getty Images

If you’re looking for the ultimate amount of flexibility in your job, look for a company that allows you to work remotely and gives you as much time off as you want. Although this may seem too good to be true, there are several companies that offer both remote roles and unlimited vacation.

See: 26 Highest-Paying Jobs That Let You Work From Home
Check Out: 30 Odd Jobs That Pay Insanely Well

Remote.co identified 10 companies that offer these perks — find out what they are, plus some of the other employee benefits they offer.

Last updated: July 8, 2021

Bright Cellars

If you love wine, vacationing and working from home, you might want to look into a job at Bright Cellars. The monthly wine subscription startup is a “work from anywhere” company that offers unlimited paid vacation to its employees. In addition, you’ll get heavily discounted monthly wine memberships and access to wine tastings led by their resident sommelier.

Options: 20 Jobs Where You Can Make $60,000 Out of College

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credit score

Credit Repair Cloud

Credit Repair Cloud is a fully remote company that boasts competitive pay and profit-sharing benefits in addition to giving employees unlimited PTO.

More: Companies That Let You Work From Anywhere

Future PLC

Future, a multiplatform media company, has remote positions available that come with unlimited paid time off. Other employee perks include a yearly profit pool bonus and discounted gym memberships.

Check Out: Highest-Paying Work-From-Home Jobs

kids-soccer

kids-soccer

GameChanger

GameChanger, which is owned by Dick’s Sporting Goods, gives employees the option to work remotely or at the company’s New York City office. In addition to unlimited vacation, another perk of the job is a $3,500 technology stipend given to employees every two years to purchase new technology — and you don’t have to give it back if you leave the company.

Important: 15 College Degrees That Won’t Make You Money

Oracle corporation

Oracle corporation

Oracle

Leading cloud platform Oracle now offers a number of flexible and remote jobs, as well as unlimited vacation time for full-time salaried employees. Other perks include access to discounted Oracle stock and up to $5,250 tuition reimbursement per year for approved programs of study.

Find Out: The World’s Most In-Demand Jobs That Don’t Require a Degree

Profile side photo of concentrated skilled web expert afro american girl sit evening, desk use computer netbook work java script html back-end algorithm in workstation workplace.

Profile side photo of concentrated skilled web expert afro american girl sit evening, desk use computer netbook work java script html back-end algorithm in workstation workplace.

Postman

Postman, a collaboration platform for API development, has numerous remote positions available that come with unlimited PTO and a monthly lunch stipend.

Read: High-Paying Jobs at Apple, Facebook and Google That Don’t Require a Degree

Young happy couple signing a document while being on a meeting with their real estate agent in the office.

Young happy couple signing a document while being on a meeting with their real estate agent in the office.

Rhino

Rhino, a company that provides security deposit insurance to renters, offers roles that are fully remote across a number of categories, including engineering, finance and marketing. Employees get unlimited paid vacation time, holidays and sick days, plus gym membership subsidies, parental leave, and equity and 401(k) plans.

Take a Look: 45 Jobs That Can Make You a Millionaire Before Retirement

Modern living room interior.

Modern living room interior.

Society6

Society6, an online marketplace for art, home decor and lifestyle goods that feature designs by independent artists, has remote roles available that come with unlimited vacation time. And the company wants you to actually take that vacation — it also offers “paid-to-play vacation rewards.”

Keep Reading: 22 Side Gigs That Can Make You Richer Than a Full-Time Job

Young woman using computer at home.

Young woman using computer at home.

Stacker

Stacker is a fully remote data journalism company that offers its employees unlimited PTO, 401(k) matching, a weekly meal stipend and a yearly education stipend.

See: Feel Like You’re Retired With One of These 30 Laid-Back Jobs

Cropped shot of an unrecognizable businessman standing alone in his home office and texting on his cellphone.

Cropped shot of an unrecognizable businessman standing alone in his home office and texting on his cellphone.

TeamSnap

TeamSnap, a youth sports management app, is a remote-first company. It offers its employees unlimited PTO and paid parental leave for all parents, plus 100% premium coverage of medical, dental and vision benefits for the whole family.

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This article originally appeared on GOBankingRates.com: Dream Job Alert: These 10 Companies Let You Work From Home AND Have Unlimited Vacation Time

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How Does a Secured Credit Card Work? | Credit Card News & Advice

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Building credit from scratch is often referred to as a chicken-or-the-egg problem. If you don’t have a credit history, it can be challenging to get approved for a credit card. But if you don’t have a credit card, it’s hard to build a credit history.

Here’s where secured credit cards can save the day. It’s possible to be turned down for a secured credit card, but if you’re approved for one, it’s a good way to get started on your journey to great credit.

We’ll start with the basics and work our way up to the advantages – and disadvantages – of secured credit cards.

There are both unsecured and secured credit cards. An unsecured credit card doesn’t require a deposit to get approved for the card. The top unsecured credit cards from major issuers are typically used by those who have at least fair credit. There are some unsecured credit cards available for those with zero or bad credit, but they tend to have high interest rates and fees.

Due to the cost of unsecured cards that target those with little or bad credit, many turn to secured credit cards. Secured credit cards do require a deposit, usually ranging from $200 to several thousand dollars, depending on the deposit requirements of the issuer.

The deposit stays in an account, and the purpose of the deposit is to decrease the risk for the lender. If you don’t pay for the purchases you made with your secured credit card, the financial institution will use your deposit to pay it off.

When you get approved for a secured credit card, you’ll receive a credit card that looks just like an unsecured credit card. There’s no visible clue that the card is secured.

The amount of your security deposit is usually equal to the credit limit for your new secured card. You’ll use your secured credit card just like you would an unsecured card. You can use it for purchases everywhere that accepts your secured credit card.

Just to be clear, your security deposit stays in an account with the issuer. You’ll make payments on your balance from one of your own bank accounts. So, you’re actually buying things on credit.

Most secured credit card issuers report your payment history to the three major credit bureaus: Equifax, TransUnion and Experian. If you can’t find confirmation on the card’s home page that payment history is reported, call the issuer to make sure it’s the policy.

When your secured card’s bill comes, you must pay the bill by the due date. If you pay your balance in full, you’ll avoid paying compound interest. If you consistently make on-time payments and keep low balances on your card during the month, your credit score will begin to increase.

Secured credit cards have many advantages, but there are also downsides to this type of credit card.

  • Secured credit cards help you build credit and develop a good credit score.
  • Secured cards help you learn how credit works. And since the credit limits are on the low side, it helps to minimize your risk of getting into debt.
  • Some credit card issuers will promote you to an unsecured credit card. Not all secured card issuers have unsecured versions, but many of them do.
  • When you’ve built a good credit history and you’re ready to upgrade to an unsecured card, you can get a refund of your deposit.
  • Many secured credit cards offer rewards and benefits.

  • You have to make a security deposit, and this ties up your money for the life of the secured card.
  • Some secured cards have many fees, so you have to read the fine print carefully.
  • You’ll probably have a low credit limit, but this is often a good thing while you’re getting comfortable using credit.
  • Some secured credit card issuers don’t offer unsecured versions, which means you have to apply for an unsecured card from another issuer.

I know it’s difficult to build credit or to come back from a poor credit score. A secured credit card can be a great option, but be sure you read all the disclosure statements and understand if there are fees involved. After about a year of responsible use, you’ll probably have at least a fair FICO score (580-669), which is good enough to make the leap to an unsecured credit card.

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Review: Bank of America® Customized Cash Rewards Credit Card for Students

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Now that most students are starting to return to in-person school, many young adults and their parents are once again looking for the right credit card. Having a credit card offers students a secure and convenient method of payment. It also helps students build credit and even earn some rewards. The Bank of America® Customized Cash Rewards Credit Card for Students excels at all of these tasks.

Key Terms

  • Welcome Bonus: Earn $200 cash rewards after spending $1,000 within 90 days of account opening.
  • Rewards: Earn 3% cash back in the category of your choice including gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Receive 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.
  • Annual Fee: None
  • APR: 13.99% to 23.99%
  • Promotional Financing Offer: 15 months of 0% APR on both new purchases and balance transfers.

How This Card Works

This card is a very competitive rewards card, especially for a student card. New applicants earn $200 in cash back after making $1,000 worth of new purchases within 90 days of account opening. You also earn 3% cash back in the category of your choice including gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Additionally, you earn 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases.

But rewards shouldn’t be the most important thing to students. Instead, consider this card because it’s very easy for Bank of America customers to manage, along with their checking and savings accounts. It also helps students to build their credit by offering them a free FICO score each month. It’s compatible with digital wallet technology and can be managed by a full featured mobile app.

New accounts also receive 15 months of 0% APR financing on both new purchases and balance transfers, and there’s no annual fee for this card.

Advantages

While most student credit cards are very basic, this one comes with generous rewards, including a new account bonus. Other advantages are its promotional financing offer and free monthly FICO score. There’s no annual fee for this card, but that’s expected with a product designed for students.