Lines of credit are best for businesses that want ongoing access to financing to even out their cash flow or to tap in emergencies. Lines of credit tend to be smaller than business loans.

Terms apply. The catch? A sizable annual fee. Families can rack up serious cash back. The annual fee is a whopper, but if you spend at least $31 a week at the supermarket, you'll cover it.

The rate on a 30-year fixed refinance climbed to 7.05% today, according to the Mortgage Research Center. For 15-year fixed ...