Six common credit card rewards myths, debunked: taxable bonuses, vanishing points, credit score requirements, and whether cash back really beats transfer partners.
Sign-up bonuses aren’t free money until you clear the minimum spend, dodge unwritten issuer rules like Chase’s 5/24, and avoid the clawbacks that can take one back.
Points don’t have a fixed value, which is exactly how airlines get people to overpay with them. Here’s the one calculation that tells you whether a redemption is actually good.
Flat-rate or category cards? Here’s the actual math behind which cashback structure wins for real, average spending, not the best-case number on the landing page.
Grocery and gas cards rarely reward both well at once. Here’s how to figure out whether one card can actually cover both, or whether pairing two beats anything single-card issuers offer.