When I first decided to apply for a credit card with zero annual fee, I did so because I wanted to keep my costs low and still gain useful rewards. After researching, applying, using, and comparing several cards, here’s what…
When I got my first credit card that offered a 0% Intro APR, I honestly thought it meant I’d never pay interest. I was wrong but I learned a lot through experience. “APR” stands for Annual Percentage Rate, which is…
I’ve been using cash-back credit cards for years, and as we approach 2026 I’m more intentional than ever about picking the right one. A few years ago I found myself with multiple cards, tracking rotating bonus categories, forgetting to activate…
I’ve spent the last few years testing out dozens of credit cards, trying to find the ones that truly reward me for every purchase. After so much trial and error, I’ve realized that not all reward cards are created equal…
A few years ago, I used to swear by travel points. I loved the idea of flying for free and staying in hotels without paying a dime. But after a few years of tracking my spending and calculating the actual…
I’ve learned through years of earning and redeeming rewards that timing can make or break the value of your points. I still remember one of my first mistakes transferring all my Chase Ultimate Rewards points to an airline partner because…
I remember the first time I realized my points were losing value faster than I could earn them. I was sitting in front of my laptop, trying to book a flight to San Diego, and the same route that once…
When I first started using credit cards, I used to let my rewards pile up without really knowing how to use them wisely. Over time, I realized I was missing out on hundreds of dollars in value just because I…
I’ve always been a fan of getting something back for what I spend, so cashback credit cards have become one of my favorite financial tools. I started exploring them a few years ago when I realized how much I was…
A few years ago, I found myself juggling multiple credit card balances each one charging me more than 20% interest. It felt like I was throwing money away every month just paying interest. That’s when I decided to try a…