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
Articles
29 guides to points, cash back, welcome offers, and card strategy, with live card data in every one.
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
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