Card Strategy
How to build a two-card wallet without double-counting rewards
A second card needs a job. Assign each purchase to one card, count each dollar once, and compare the pair with the best single card after fees.
6 min read
Author
CardRewards.ai Editorial Team
The CardRewards.ai editorial team researches card terms and rewards programs from issuer documents and regulator guidance. Card figures in our articles come from our published card data, which links each fact to its source.
Card Strategy
Is a credit card annual fee worth it? A realistic break-even method
An annual fee is worth it when extra rewards and benefits you will use beat the fee versus your real alternative. A break-even method with worked examples.
6 min read
Points & Miles
How to calculate cents per point without inflating the value
Cents per point is the cash cost a redemption replaces, divided by the points used. How to handle award fees, comparable fares, and transfer bonuses honestly.
6 min read
Cash Back
How to choose a cash back card from your actual spending
A 3% card can earn less than a 2% card. Compare annual cash back on your real spending, apply caps and merchant rules, then subtract fees.
6 min read
Guides
Statement balance vs. current balance: What should you pay?
Paying the remaining statement balance by the due date generally avoids purchase interest. When that rule holds, and when a carried balance or cash advance changes it.
6 min read