Card Strategy
How to build a simple rewards wallet you will actually maintain
A rewards wallet you can explain in two sentences: one default card, at most one clear exception, dependable autopay, and a review after ninety days.
5 min read
Tagged
No Annual Fee
4 articles tagged No Annual Fee.
Cash Back
Flat-rate cash back versus category bonuses: a household spending comparison
A 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.
5 min read
Points & Miles
Points vs. cash back: 3 numbers that decide which card earns more
Cash back is worth its face value; points are worth what you redeem them for. Compare earn rate, point value, and annual fee to see which pays you more.
3 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