The Ultimate Beginners Guide To Credit Cards And Points In 2023: Where To Start And What You Need To Know About The Best Cards For You!

This post starts on a beginner level before moving to a more advanced level of explanation on credit cards.

You may want to bookmark this as it can be a lot to process in one reading.

I’ve included a cheat sheet to start with, to know which cards you cannot go wrong with if you’re looking to apply for credit cards now.

For beginners, as you develop your card portfolio you can refer back to this post, to better understand what your next steps should be and how to utilize the cards you have.

If you have questions leave them below!

Cheat Sheet by bank:

AMEX, Capital One, Chase, and Citi all have valuable points with point ecosystems that become more valuable as you obtain more credit cards.

Chase Personal:

If you’re looking for one of the best consumer card combos in the mileage world, start with a no-annual fee Chase Freedom Unlimited® that is offering 3 points per dollar on up to $20,000 in purchases during your first year and add a $95/year Chase Sapphire Preferred® Card with a 60K point signup bonus after spending $4,000 in 3 months. After you max out the Freedom Unlimited bonus, you’ll still earn 1.5 points per dollar everywhere with Freedom Unlimited, 3.1 points per dollar on dining, streaming, and online groceries, 3 points per dollar at drug stores, 2.1 points per dollar on travel, $15/quarter Instacart credit and 6 months free membership, the ability to transfer your points into airline miles and hotel points, or use your points at a value of 1.25 cents each towards paid airfare, hotels, car rentals, cruises, or activities with Sapphire Preferred.

An advanced user may want to get the $550/year Chase Sapphire Reserve® with a 60K signup bonus instead of the Sapphire Preferred for benefits like a $300 annual travel credit, $15/month Instacart credit and 12 months free membership, $5/month DoorDash credit, DoorDash Dashpass membership, Lyft Pink membership, triple points on travel, 10 points per dollar on Lyft, Priority Pass lounge membership with 2 free guests and credits to use at non-lounge airport experiences, Global Entry/Pre-Check/NEXUS membership, and the ability to use your points at a value of 1.5 cents each towards paid airfare, hotels, car rentals, cruises, or activities.

Chase Business:

On the business side, start with a no-annual fee Ink Business Unlimited® Credit Card with its highest ever incredible 90K signup bonus for spending $6,000 in 3 months and 1.5 point per dollar earnings everywhere and the no-annual fee Ink Business Cash® Credit Card which also has its highest ever amazing 90K signup bonus for spending $6,000 in 3 months, plus you can earn 5 points per dollar on internet, phone, office supplies, and gift cards at hundreds of stores, such as Amazon.

An advanced user may want to also get the $95/year Ink Business Preferred® Credit Card with an excellent 100K signup bonus for spending $15,000 in 3 months. You’ll earn 3 points per dollar on travel, internet, phone, shipping, and advertising, get cell phone insurance, transfer your points into airline miles and hotel points, or use your points at a value of 1.25 cents each towards paid airfare, hotels, car rentals, cruises, or activities with Ink Preferred.

These Chase Ink Cards have had incredible approval odds the past 4 months and are worth an application even for beginners, you don’t even need to own a registered business to get one! Read a FAQ on this here.

American Express:

Another great combo is the $695/year AMEX Business Platinum Card which offers a 120,000 point signup bonus for spending $15K in 3 months and the no annual fee AMEX Blue Business Plus Card, which offers 15K points for spending $3K in 3 months. That’s a pricier combo, but you can earn 2 points per dollar everywhere on up to $50K in annual spending on the Blue Business Plus, plus get a 35% rebate on paid airfare with all airlines in business or first class and on the airline of your choice in coach with the AMEX Business Platinum. Plus you’ll get $200 in annual airline fee credits, $189 CLEAR credit, $400 in annual Dell credit, $120 annual wireless bill credit, $360 Indeed credit, $150 annual Adobe credit, Marriott and Hilton Gold elite status, Global Entry/Pre-Check, and AMEX Global Lounge Collection membership with the AMEX Business Platinum.

The Consumer AMEX Platinum Card is also $695/year but has a massive list of benefits such as $200 Airline fee credit, $189 CLEAR Credit, $12.95/month Walmart+ Credit, $200 annual Prepaid Hotel Credit, $240 annual digital entertainment credit, $300 annual Equinox credit, $100 annual Saks Credit, $200 annual Uber Credit, Uber VIP status, Marriott and Hilton Gold elite status, Global Entry/Pre-Check, and AMEX Global Lounge Collection membership with the AMEX Platinum.

Citi:

A great combo from Citibank is the no annual fee Citi® Double Cash Card and the $95/year Citi Premier card, which offers 60,000 points for spending $4,000 in 3 months. The Double Cash card offers 2% cash back or 2 points per dollar everywhere and the Premier card offers triple points on airfare, hotels, travel agents, groceries, gas, and dining and the ability to transfer points into miles.

An advanced user may want to also get the Citi Rewards+ Card which automatically rounds up rewards earned on every purchase to the nearest 10 points, meaning you will earn 10 points on a $0.50 Amazon balance reload, which is equal to earning 20 points per dollar spent! Having a Citi Rewards+ Card also gets you a 10% points rebate when you redeem points, up to a 10K points rebate per year. While the Rewards+ card doesn’t transfer points into most airline miles, if you have a Citi Premier card and a Rewards+ card you’ll even get a 10% rebate on mileage transfers!

Finally if you just want 2% cash back and no annual fee and no combo needed, you can get the Citi® Double Cash Card or the AMEX Blue Business Cash Card. 

Capital One:

Choose between the $95/year Capital One Venture Card and the $395/year Capital One Venture X Card offer 75,000 points for spending $4,000 in 3 months. Both these cards offer 2 miles per dollar everywhere and the ability to transfer points into airline miles and hotel points. The Venture X adds a $300 annual travel credit, a 10K mile annual anniversary bonus, lounge access, elite status, Global Entry/PreCheck, and more.

Add the no annual fee SavorOne card and earn an effective 10 transferrable miles per dollar on Uber/Uber Eats and free Uber One through 11/2024. You’ll also earn 3 miles per dollar on groceries, dining, entertainment and streaming!

But let’s rewind and start from beginning.

How I got started:

I was 12 years old in 1997 when I realized I could make a killing buying beanie babies from Nordstrom and flipping them on eBay after Ty Warner retired them, making them 6,000% more valuable overnight.

If only I had my own credit card I’d have started racking up the miles back then 😀

My first big mileage payday came at 18 when I got a credit card and negotiated with Delta to book a flight for 80 fellow yeshiva students to fly from LAX to JFK. Everyone was happy to give me a check to get a flight at 45% off and I racked up the miles and even got several free tickets out of the deal for arranging the group.

My first million points earned came soon afterward thanks to a lucrative program from eBay called Anything Points that transferred into airline miles at favorable ratios.

I can write a book about the stuff I’ve done for miles over years, but I’ve racked up tens of millions of miles and flown my family around the world many times over in first class thanks to opening hundreds upon hundreds of credit cards and taking advantage of promotions.

The credit card landscape looks a lot different than it did back when I started. Signup bonuses today are far richer, but rules about how many cards you can get are stricter than they used to be.

 

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A word of warning:

It’s important to note that the credit card points system is subsidized by the millions of Americans who fall into the trap of debt, buying things they can’t afford, and paying huge amounts of interest to the banks.

If you’re susceptible to that behavior, then don’t start in the first place. Pay for things in cash and be happy not being in debt. Any gain from the points system will be obliterated by interest payments.

Benefits of using credit cards:

If you can stay on top of your spending, you should be maximizing your rewards earnings on every purchase. Aside from rewards, purchasing on a credit means you can take advantage of benefits like online dispute resolution, return protection, extended warranty, car rental insurance, trip insurance, etc.

When fraud happens on a credit card you are not responsible for it while it’s being investigated. On a debit card those funds are immediately taken out of your checking account and you have to fight to get them back.

Starting out:

If you’re just starting and don’t have any credit, you can get started by asking a relative to add you as an additional user on one of their cards. Be sure that the card is utilized properly and not being maxed out.

After a couple months you should get a nice credit boost from that. You can then start off with cards that are easier to obtain, such as store cards like Old Navy/Gap, Kohl’s, Macys, Target, etc. Alternatively you can start with a secured card like the Capital One Quicksilver Secured card, which has excellent approval odds for people without credit or with poor credit. A secured card requires a deposit and gives a credit line equal to the deposit, but unlike a debit card, it helps build your credit history.

Don’t forget that you should include all household income when you apply for a credit card.

Once you have built up your credit, you can start with building up your Chase card portfolio.

Chase has a 5/24 rule, meaning that they will typically only approve you for their cards if you have been approved for fewer than 5 consumer cards in the past 24 months. That means you’ll want to start getting Chase cards before moving on to other card opportunities!

You can typically apply for multiple cards on the same day from the same bank with just one credit pull.

You can see how many cards you have been approved for within the past 24 months by checking your credit at annualcreditreport.com, the federally authorized site for annual free credit reports. If there are any mistakes on your credit report you should dispute them immediately by contacting the 3 credit bureaus, Equifax, Experian, and Transunion.

Other application rules to keep in mind:

• AMEX will typically only award a bonus once per lifetime, though you can actually get another bonus after about 5-6 years. A popup will come up after you submit an application asking if you want to proceed without earning the welcome bonus.
• AMEX allows you to have a maximum of 5 credit cards, but charge cards (Platinum , Gold, and Green) don’t count towards that limit. If you apply for a 6th card you will typically be asked to close another credit card to get the new one approved.
• Bank of America will typically only approve 2 of their cards every 2 months, 3 of their cards every 12 months, and 4 of their cards every 24 months. Another possible version of this rule is that they will only approve someone who has less than 7 cards opened in the past 12 months or less than 3 cards opened in the past 12 months if they don’t have a Bank of America checking or savings account.
• Barclays has a 6/24 rule that works similarly to Chase’ 5/24 rule, but it’s not applied as strictly and can be overturned by reconsideration.
• Capital One typically only approves one card per 6 months, but there are exceptions to this rule.
• Citi allows applications for 1 card every 8 days and 2 cards every 2 months. Business cards are limited to once every 3 months. Add a few extra days in between applications to be safe.

What’s in your credit score:

Here is the makeup of your 850 point FICO score. (Many websites give away free credit scores, called FAKOs, but these are not typically used by banks to determine if you are credit worthy. Discover gives free FICO scores here. Other banks, like Barclays give free FICO scores to cardholders, otherwise you can buy it from MyFICO.)

• Payment History: 35%.
  • Pay your bills on time and you should ace this category. The more accounts you have that you pay on time, the higher your score will be. Set your bills to autopay to ensure you never miss a payment, but make sure that a payment doesn’t bounce back due to insufficient funds or else your card may be closed.
• Amounts owed: 30%
  • This measures your credit utilization ratio. The more money you spend, the higher your utilization ratio will be, which lowers your score. The more total credit you have available, the lower your utilization ratio will be, which raises your score. So the more accounts and credit that you have, the better your score will be here. Credit utilization ratio applies for each card you have individually (don’t use too much of your credit on any card) and across all of your cards collectively.
  • Pay your account balance off, besides for a buck or 2, the day before your statement closes. This will greatly increase your credit score. Once your statement closes and your bill prints with a balance owed, your score will go down even if you pay the balance off on time
• Length of credit history: 15%
  • This takes into account your oldest account, the older the better. It also factors in the average age of your accounts.
  • It’s important to note that even if you close an account, it stays on your record for about 10 years after you cancel the card. So even if you close an account, you won’t hurt yourself in this category until 10 years down the line when the account falls off of your credit report. By that point you should have other older cards that will keep your average account age high enough not to adversely affect your score.
• New credit: 10%
  • This takes into account credit inquiries and new accounts, which can lower your score temporarily. These fall off your report after about 2 years and most banks only look at the number inquiries you have within the past 6 months.
  • In the short term you may see your score drop when you apply for a card due to this category and the average age of your accounts, but in the long run having more cards will raise your score, as they improve your payment history (35%) and credit utilization (30%) and eventually the age of your account, which continue to grow older even after you cancel the card.
• Types of credit used: 10%
  • This has little to do with the opening and closing of accounts but factors whether you have other accounts like retail accounts, auto loans, a mortgage, etc. The more varied your portfolio the higher your score.

Closing a card:

In general, you should avoid closing or downgrading a card within 12 months of getting it as those actions can trigger a negative action by the bank.

When you close a credit card the main effect on your score is losing the credit line, which decreases your total available credit and increases your credit utilization ratio. To mitigate that effect you can transfer the credit line to another card from that bank before closing a card.

As mentioned above, a closed card remains on your credit report for 10 years, so the effect of closing it will be negligible, but you you should try to avoid closing your first credit card, as that establishes the length of your credit history. It too will remain on your report for 10 years, but that may hurt you after 10 years if you have a significant gap in time between your first card and your next oldest card.

Alternatively, you can downgrade a card with no affect on your credit at all!

Notably, all of this is only for consumer cards. Closing a business card won’t have an effect on your personal credit score or report.

Getting a mortgage:

It’s a good idea not to apply for a bunch of new cards if you’re in the market for a new home.

It’s not hard to explain the reason for having a lot of credit cards for the perks and miles they provide, but you also don’t want to look like someone who is going to spend a lot of money and not pay the bill.

Consumer Vs. Business Cards:

Only consumer credit cards are reported on your personal credit report.

Business cards from most banks (excluding Discover and some Capital One cards) are not on your personal credit report. A benefit of this is that they do not get added to your 5/24 count of recently opened cards. That means that applying for business cards won’t “hurt” your 5/24 count as Chase only looks for cards that are reported on your personal credit report as being opened in the past 24 months.

Another benefit of business cards not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On business cards it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have any effect on your credit score.

You may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.

If you have business paperwork you can apply under your business name. Otherwise, it’s critical to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork. You can then send in bills in your own name for verification.

If you’re like me and you run more than one business, you can signup for multiple of the same card for each business to manage each businesses expenses separately.

Turning a rejection into an approval:

When you apply for a card you may be told that you need to wait for a decision. At that point you can wait and see if you’ll be approved or you can call the bank for reconsideration. Typically I’ll wait and see and then call if I’m rejected, but sometimes I’ll call right away.

If the bank offers a checking account, like Bank of America and Chase, it can help if you have a checking account with that bank in good standing.

If a rejection is due to Chase’s 5/24 rule, you can make sure that the agent doesn’t count authorized user cards and store cards that their system might count, but a manager can exclude in order to grant a card approval.

Things you can do include:

• Proactively offering to shift credit lines around from other cards to get the new application approved.
• Proactively offering to close an older card you don’t use anymore and move over the credit line to get the new application approved.
• Explaining how you want the benefits the card provides. Items like free baggage and primary car rental insurance are good reasons to want a card, so learn about the unique benefits that each card has to offer besides for a killer signup bonus.
• The banks are afraid of people just applying for credit to rack up debts that they won’t pay. Your job is to explain why you are NOT one of those people and why you want the card.
• Explaining how you’ve never had a late payment or that you’re a loyal customer for x amount of years.
• Explaining your loyalty to the bank, especially if you have a checking account with the bank.
• Be friendly! Ask the person how their day is going and they’ll be more likely to want to help you out. Reconsideration reps have all the power, so it’s up to you to become their friend. A DDF user who homebrews beer found out that the agent also makes his own beer. After talking beer strategies the card application was approved!

Categories of different types of credit cards:

• Cash back cards are a good way of getting 2% cash back on all of your purchases with no annual fee. It’s simple and straightforward, but you can probably do better.
• Airline and hotel co-brand credit cards offer lots of benefits with the airline or hotel brand, but earning on these cards means the points are locked to just one brand, which leaves you vulnerable to a devaluation. These points are not forfeited if you close the co-brand card.
• Transferable point currencies (American Express Membership Rewards, Capital One, Citi ThankYou Points, Chase Ultimate Rewards, etc.) allow you to earn points that can be used for a variety of uses, including cash back, transfers to airline and hotel mileage programs, redeeming for travel, Amazon purchases, and more. The advantage of these currencies is the added flexibility to always maximize your redemption values. You’ll want to transfer points from these cards to another card or to an airline or hotel partner before closing these cards.

Having a well rounded portfolio of cards that earn transferable points and co-brand cards for the perks that they offer will make traveling with your miles far more affordable and enjoyable!

Credit Card Mileage Transferability:

Chase Ultimate Rewards transfer partners include:

Program	Alliance	Transfer ratio	Transfer time	Most recent bonus offer
Aer Lingus	None	1:1	Instant	30%, July 2022
Air Canada	Star Alliance	1:1	Instant	30%, November 2022
Air France/KLM	Skyteam	1:1	Instant	25%, May 2022
British Airways	OneWorld	1:1	Instant	30%, July 2022
Emirates	None	1:1	Instant	None
Hilton	Hotel program	1:1.5 via Virgin Atlantic	2-4 weeks	30%, November 2022
Hyatt	Hotel program	1:1	Instant	None
IHG	Hotel program	1:1	Instant	50%, August 2022
Iberia	OneWorld	1:1	Instant	30%, July 2022
JetBlue	None	1:1	Instant	None
Marriott	Hotel program	1:1	1 day	50%, current
Qatar	OneWorld	1:1 via British Airways	Instant	30%, July 2022
Singapore	Star Alliance	1:1	Less than 1 day	15%, January 2021
Southwest	None	1:1	Instant	20%, October 2020
United	Star Alliance	1:1	Instant	None
Virgin Atlantic	Skyteam	1:1	Instant	30%, November 2022

Some of my favorite Chase transfer partners include United, which never charges fuel surcharges for any awards and has free award changes and redeposits, Air Canada, which has very low rates for travel on United and many other Star Alliance and non-alliance partners with no fuel surcharges, Singapore, which is the only way to redeem for travel on their incredible business and first class suites products, British Airways, which charges low rates for short-haul flights such as on their US partner American, Flying Blue, which has great rates for travel to Europe, Southwest, which allows you to cancel awards without penalty, Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel, and Hyatt, which has by far and away the most valuable hotel points.

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AMEX transfer partners include:

Program	Alliance	Transfer ratio	Transfer time	Most recent bonus offer
ANA	Star Alliance	1:1	1-2 days	None
Aer Lingus	None	1:1	Instant	40%, May 2022 25%, September 2022
AeroMexico	Skyteam	1:1.6	1-5 days	20%, September 2022
Air Canada	Star Alliance	1:1	Instant	15%, September 2022
Air France/KLM	Skyteam	1:1	Instant	25%, November 2022
Avianca Lifemiles	Star Alliance	1:1	Instant	15%, November 2022
British Airways	OneWorld	1:1	Instant	40%, May 2022 25%, September 2022
Cathay Pacific	OneWorld	1:1	Instant	Targeted 10-20%, August 2022
Choice Hotels	Hotel program	1:1	Instant	25%, October 2022
Delta	Skyteam	1:1	Instant	80%, February 2011
Emirates	None	1:1	Instant	25%, November 2018
Etihad	None	1:1	Instant	20%, July 2022
Hawaiian	None	1:1	Instant	20%, January 2023
Hilton	Hotel program	1:2	Instant	30%, September 2022
Iberia	OneWorld	1:1	1 day	40%, May 2022 25%, September 2022
JetBlue	None	1:0.8	Instant	25%, December 2019
Marriott	Hotel program	1:1	Instant	20%, October 2022
Qantas	OneWorld	1:1	Instant	20%, September 2022
Qatar	OneWorld	1:1 via British Airways	Instant	40%, May 2022 25%, September 2022
Singapore	Star Alliance	1:1	Instant	20%, December 2021
Virgin Atlantic	Skyteam	1:1	Instant	30%, November 2022

Some of my favorite AMEX transfer partners include Lifemiles, which has domestic awards starting at just 6.5K miles on their partner United, Delta, which has flash sales for discounted, Air Canada, which has very low rates for travel on United and many other Star Alliance and non-alliance partners with no fuel surcharges, Qantas, which has the lowest priced award travel on their partner El Al, Singapore, which is the only way to redeem for travel on their incredible business and first class suites products, British Airways, which charges low rates for short-haul flights such as on their US partner American, Flying Blue, which has great rates for travel to Europe, ANA, which has a unique round-the-world award chart and inexpensive business class awards with no surcharges on their partner United, and Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel.

Unfortunately AMEX charges a fee to transfer points to US airlines. That adds 60 cents for every 1,000 points transferred with a maximum fee of $99 per transaction.

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Capital One transfer partners include:

Program	Alliance	Transfer ratio	Transfer time	Most recent bonus offer
Accor	Hotel program	2:1	1-2 days	20%, November 2022
Aer Lingus	None	1:1 via British Airways	Instant	20%, November 2022
AeroMexico	Skyteam	1:1	Instant	20%, March 2022
Air Canada	Star Alliance	1:1	Instant	None
Air France/KLM	Skyteam	1:1	Instant	20%, August 2022
Avianca Lifemiles	Star Alliance	1:1	Instant	20%, March 2022
British Airways	OneWorld	1:1	Instant	20%, November 2022
Cathay Pacific	OneWorld	1:1	1-5 days	None
Choice Hotels	Hotel program	1:1	Instant	None
Emirates	None	1:1	Instant	100%, March 2019
Etihad	None	1:1	Instant	None
EVA	Star Alliance	2:1.5	Instant	None
Finnair	OneWorld	1:1	Instant	None
Hilton	Hotel program	1:1.5 via Virgin Atlantic	2-4 weeks	30%, current
Iberia	OneWorld	1:1 via British Airways	1 day	20%, November 2022
Qantas	OneWorld	1:1	Instant	33.3%, October 2019
Qatar	OneWorld	1:1 via British Airways	Instant	20%, November 2022
Singapore	Star Alliance	1:1	Instant	15%, January 2021
TAP	Star Alliance	1:1	Instant	25%, July 2022
Turkish	Star Alliance	1:1	Instant	None
Virgin Atlantic	Skyteam	1:1	Instant	30%, current
Wyndham	Hotel program	1:1	Instant	20%, March 2022

Some of my favorite Capital One transfer partners include Turkish, which charges a mere 7.5K miles in coach or 12.5K miles in business for a United domestic flight (including Hawaii!) and 32K miles in coach of 47K miles in business for a United flight to Israel, Lifemiles, which has domestic awards starting at just 6.5K miles on their partner United, Air Canada, which has very low rates for travel on United and many other Star Alliance and non-alliance partners with no fuel surcharges, Flying Blue, which has great rates for travel to Europe, Qantas, which has the lowest priced award travel on their partner El Al, Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel, and Wyndham, which can book villas for just 15K points per bedroom per night.

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Citi ThankYou transfer partners include:

Program	Alliance	Transfer ratio	Transfer time	Most recent bonus offer
Aer Lingus	None	1:1 via Qatar	1-2 days	30%, November 2022 40% June 2022
AeroMexico	Skyteam	1:1	Instant	None
Air France/KLM	Skyteam	1:1	Instant	20%, May 2022
Avianca Lifemiles	Star Alliance	1:1	Instant	20%, current 25% December 2021
British Airways	OneWorld	1:1 via Qatar	1-2 days	30%, November 2022 40% June 2022
Cathay Pacific	OneWorld	1:1	Instant	10%, January 2020
Choice Hotels	Hotel program	1:2	Instant	None
Emirates	None	1:1	Instant	None
Etihad	None	1:1	Instant	25%, July 2016
EVA	Star Alliance	1:1	2-3 days	None
Hilton	Hotel program	1:1.5 via Virgin Atlantic	2-4 weeks	30%, current
Iberia	OneWorld	1:1 via Qatar	1-2 days	30%, November 2022 40% June 2022
JetPrivilege	None	1:1	Instant	None
JetBlue	None	1:1	Instant	25%, October 2019
Malaysia	OneWorld	1:1	1-2 days	None
Qantas	OneWorld	1:1	Instant	25%, February 2020
Qatar	OneWorld	1:1	1-2 days	30%, November 2022 40% June 2022
Singapore	Star Alliance	1:1	1 day	15%, January 2021
Thai	Star Alliance	1:1	3-7 days	None
Turkish	Star Alliance	1:1	1 day	25%, February 2019
Virgin Atlantic	Skyteam	1:1	Instant	30%, current
Wyndham	Hotel program	1:1	Instant	None

Some of my favorite Citi transfer partners include include Turkish, which charges a mere 7.5K miles in coach or 12.5K miles in business for a United domestic flight (including Hawaii!) and 32K miles in coach of 47K miles in business for a United flight to Israel, Lifemiles, which has domestic awards starting at just 6.5K miles on their partner United, Qantas, which has the lowest priced award travel on their partner El Al, Singapore, which is the only way to redeem for travel on their incredible business and first class suites products, Flying Blue, which has great rates for travel to Israel (including nonstop flights on partner Delta) as they consider it to be part of Europe, Virgin Atlantic, which has incredible rates for business and first class travel to Asia on partner ANA and great rates on partner Delta, including travel to Israel, and Wyndham, which can book villas for just 15K points per bedroom per night.

Creating a Killer Combo with Hybrid Points:

Often times, having 2 cards are worth far more than either card on their own. Having cards that compliment each other can help you rack up the miles and spend them more efficiently. You can combine the points between all of the cards you hold from the same bank.

While airline miles and hotel points can allow you to get some truly insane values for your points, they can also be devalued at any time. That’s why I keep transferable points and send them over to airlines and hotels as needed.

Some premium cards have flexible points that I call hybrid points as you can get an increased value for your points when they are used towards paid airfare or you can transfer the points into airline miles or hotel points.

The increased value of points sets a minimum value you can get from your points and it protects you from points being devalued. You can get a higher value for your points by transferring them into airline miles and hotel points, but having the ability to use your points at an increased value for paid travel makes them into “hybrid points.” You can choose to redeem them for either paid travel or award travel, depending on which provides a better value.

All banks allow you to combine points between your consumer and business cards.

AMEX Killer Combo:

The AMEX Business Platinum card gives a 35% rebate when you redeem points for a business/first class ticket on any airline or for coach on the airline of your choice. That means you can choose between transferring points into airline/hotel miles or use points at a value of 1.54 cents each towards travel. However that card only earns 1 point per dollar for everyday spending or 1.5 points per dollar on eligible $5K+ purchases.

Similarly, the AMEX Business Gold card gives a 25% rebate when you redeem points for a business/first class ticket on any airline or for coach on the airline of your choice. That means you can choose between transferring points into airline/hotel miles or use points at a value of 1.33 cents each towards travel. That earn earns up to 4 points per dollar on select categories where you spend the most, but only earns 1 point per dollar for other everyday spending.

But if you have the AMEX Blue Business Plus you’ll earn 2 points per dollar everywhere ($50K annual cap), which you can combine with the AMEX Business Platinum in order to earn the 35% points rebate, meaning you’ll get at least 3.08% back everywhere.

Chase Killer Combo:

If you have a Chase Sapphire Reserve card, you can earn 3 points per dollar on dining and travel and choose between transferring points into airline/hotel miles or use points at a value of 1.5 cents each towards travel. However that card only earns 1 point per dollar for everyday spending.

Similarly, the Chase Sapphire Preferred and Chase Ink Preferred earn 2-3 points in select categories and allow you to choose between transferring points into airline/hotel miles or use points at a value of 1.25 cents each towards travel. However those cards only earn 1 point per dollar for everyday spending.

However if you have a no-annual fee Chase Freedom Unlimited you’ll earn 1.5 points per dollar everywhere. Same goes for the no-annual fee Chase Ink Unlimited which has a 90K signup bonus and earns 1.5 points per dollar everywhere. The no-annual fee Chase Freedom Flex and Chase Ink Cash cards earn up to 5 points per dollar. Those points can then be combined with a Sapphire Reserve, Sapphire Preferred, or Ink Preferred to transfer into airline/hotel miles or use points at a value of 1.25-1.5 cents each towards travel.

Citi Killer Combo:

If you have a Citi Premier® Card you can earn 2-3 points in select categories and allow you to choose between transferring points into airline/hotel miles or use points at a value of 1.25 cents each towards travel. However you’ll only earn 1 point per dollar for everyday spending.

However if you have a no-annual fee Citi Double Cash card you can earns 2 points per dollar everywhere and you can choose between using that for 2% cash back or you can transfer the points to Citi Premier and from there into airline miles or hotel points.

If you also have the Citi Rewards+ Card you will earn a minimum of 10 points even on a 1 cent transaction, making it a great way to rack up points on small purchases, such as reloading your Amazon balance! You’ll also get double points at supermarkets and gas stations. Plus you’ll get a 10% points rebate when you use points, up to a 10K points rebate per year. You’ll even get the rebate if you transfer the points to Citi Premier and from there into airline/hotel miles or use points at a value of 1.25 cents each towards travel!

Capital One Killer Combo:

The $95/year Capital One Venture Card and the $395/year Capital One Venture X Card offer 75,000 points for spending $4,000 in 3 months. Both these cards offer 2 miles per dollar everywhere and the ability to transfer points into airline miles and hotel points. The Venture X adds a $300 annual travel credit, a 10K mile annual anniversary bonus, lounge access, elite status, Global Entry/PreCheck, and more.

Add the no annual fee SavorOne card and earn an effective 10 transferrable miles per dollar on Uber/Uber Eats and free Uber One through 11/2024. You’ll also earn 3 miles per dollar on groceries, dining, entertainment and streaming!

Which Hybrid Points are best?

This is a very difficult question, but here are pros and cons.

• Chase:
  • Very well rounded portfolio of airline and hotel transfer partners.
  • Points can be easily shared with a spouse or business partner or transferred to an additional user.
  • Increased value of points can be used for any travel.
  • Increased value of points can be used for any airline in any class.
  • Excellent variety of cards without high annual fees to quickly rack up points in many categories or on everyday spending.

• AMEX:
  • Very well rounded portfolio of airline transfer partners, but hotel partners are weak.
  • AMEX has access to exclusively discounted insider fares, that can drop the cost of select tickets.
  • AMEX is alone in charging a fee to transfer points to US airlines. That adds 60 cents for every 1,000 points transferred with a maximum fee of $99 per transaction.
  • Points can’t be shared and can only be transferred to additional users after a 90 day waiting period.
  • The annual fee for hybrid cards are high.
  • The increased value for using points for paid travel is only valid for paid airfare, not for other travel.
  • You can’t book travel in basic economy on any airline.
  • You can only get a rebate for travel in economy on the domestic airline of your choice. You do get the rebate in business and first class on all airlines.
  • As you get a rebate rather than an increased value of points, you’ll need more points upfront.
• Citi:
  • A more eclectic group of transfer partners with no high value domestic airlines or hotel transfer options.
  • Points can be shared with other members, though there is a 100K annual cap and they expire 90 days after they are shared.
  • No increased value of points for paid travel, whereas AMEX and Chase offer an increased value for paid travel.
• Capital One:
  • This is the newest of the Hybrid point programs. They have been adding a great list of travel partners and it keeps growing.
  • Being able to earn 2 miles per dollar that are transferable to airlines makes them one of the best options for racking up airline miles everywhere while just needing 1 card.
  • There partners are still limited so you need to make sure you want to earn miles for the partners they do have.

Overall I value Chase points the highest as they have lots of pros and few cons, making it the easiest to rack up points with the lowest annual fees while having excellent hybrid options, but it’s good to also have other points as they each have unique partners and values. It’s worth noting that AMEX, Citi, and Capital One all have options to earn 2 points per dollar everywhere, while Chase is capped at 1.5 points per dollar everywhere. However Chase can overcome that deficit with more valuable and versatile points and other bonus categories.

When to use bank points and when to transfer to miles:

If you have a hybrid card like AMEX Business Platinum, AMEX Business Gold, Sapphire Reserve, Sapphire Preferred, Ink Preferred, or Citi Premier you can choose between using points for paid airfare or transferring points into miles.

You’ll always want to compare the options.

For example if I need a last-minute one-way ticket from Cleveland to Newark on United this week will cost some $434:

 

Even if you get a value of 1.5 cents per point, you’d still be looking at some 29K points. That’s where the beauty of miles comes in.

You can transfer 15K points to United for the same flight:

 

 

Or you can transfer 6.5K points to Lifemiles for the same flight:

 

Or you can transfer 6K points to Air Canada for the same flight:

A one-way flight from Cleveland to LaGuardia on AA next week would cost $404.

 

Even if you get a value of 1.5 cents per point, you’d still be looking at some 27K points.

Or you can transfer 7.5K points to British Airways for the same flight:

 

A one-way flight from Cleveland to JFK on Delta next month would cost $224.

 

Even if you get a value of 1.5 cents per point, you’d still be looking at some 15K points. That’s where the beauty of miles comes in.

You can transfer 19K points to Delta for the same flight:

 

Or you can transfer 7.5K points to Virgin Atlantic for the same flight:

 

On the other hand, say you want to book a $119 ticket in advance from Newark to Los Angeles:

 

If you transferred points to United you would need 15K United miles:

 

If you have a Chase United Explorer card or Chase United Explorer Business Card then you would need just 12.5K United miles:

 

But if you use your Chase Sapphire Reserve you’ll need just 7,886 points in basic economy:

 

Or if you use your Chase Sapphire Reserve you’ll need just 10,220 points in regular economy:

 

AMEX doesn’t sell basic economy tickets. They charge 15,330 points, but if you’re register for United you’ll get a 5,366 point rebate with an AMEX Business Platinum card or a 3,833 point rebate with an AMEX Business Gold card. That means you’ll pay an effective 9,964 points with an AMEX Business Platinum card or a 11,497 points with an AMEX Business Gold card.

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Looking for a new credit card? Here’s a quick look at some of the best credit cards out there:

Chase No-Annual Fee Ultimate Rewards cards:

These cards are marketed as cash-back cards, but instead of cash back you are awarded Ultimate Rewards points that can be cashed out at 1 cent each. However they can also be transferred to premium Ultimate Rewards cards, where they become far more valuable than cash back! These cards have very strong earning power and include the:

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• Chase Ink Business Unlimited Card
  • Welcome bonus: Highest offer ever 90K bonus points for spending $6,000 in 3 months. (Marketed as $900 cash back, but you’ll actually get 90K points that can be used for cash back or as points.) Offers ends 3/21 at 9am ET!
  • Read the full card review here.
  • DD take: A fantastic no-annual fee business card that earns 50% bonus points everywhere. This is a great everyday card to use and with the highest ever signup offer, now is the perfect time to apply for this card.

• Chase Ink Business Cash Card
  • Welcome bonus: Highest offer ever 90K bonus points for spending $6,000 in 3 months. (Marketed as $900 cash back, but you’ll actually get 90K points that can be used for cash back or as points.) Offers ends 3/21 at 9am ET!
  • Read the full card review here.
  • DD take: An incredible no-annual fee business card that quickly earns a ton of points on telecom, and at hundreds of stores-as long as you buy gift cards for each store from office supply stores. With the current highest ever signup offer, this is the perfect time to apply for this card.

• Chase Freedom Unlimited Card
  • Welcome bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back, or even better as 30,000 Ultimate Reward points!
  • Read more about the card here.
  • DD take: A fantastic no-annual fee card that earns 50% bonus points everywhere.

• Chase Freedom Flex Card
  • DD take: An good no-annual fee card if you can stay on top of where to use the card each quarter to earn 5 points per dollar spent.

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Chase Premium Ultimate Rewards cards:

These hybrid cards can transfer all of your Chase points into airline miles or hotel points, or can be used with an additional bonus when redeemed for paid travel. You can transfer points between all of your Chase Ultimate Rewards cards and the cards of any authorized user as well. These cards have very strong benefits and include the:

• Chase Sapphire Preferred Card
  • Welcome bonus: Earn 60K bonus points for spending $4,000 in 3 months.
  • Read the full card review here and about creating a killer quinfecta here.
  • DD take: An excellent premium card if you want a lower annual fee than Sapphire Reserve.

• Chase Sapphire Reserve Card
  • Welcome bonus: Earn 60K bonus points for spending $4,000 in 3 months.
  • Read the full card review here and about creating a killer quinfecta with Sapphire Reserve here.
  • DD take: An incredible premium card if you will take advantage of the card’s many benefits.

• Chase Ink Business Preferred Card
  • Welcome bonus: Earn 100,000 bonus points for spending $15,000 in 3 months.
  • Read about the card here and about creating a killer quinfecta here.
  • DD take: A fantastic signup bonus and spending categories that will be very useful for businesses with shipping and advertising spending.

• Ink Business Premier℠ Credit Card
  • Welcome bonus: Earn $1,000 bonus points for spending $10,000 in 3 months.
  • Read about the card here.
  • DD take: A fantastic signup bonus and high cashback rate on $5,000+ purchases, but this card does not earn Ultimate Reward points.

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Chase Co-Brand Cards:

These cards earn miles or points with an airline or hotel program in exchange for a relatively low annual fee. These often have special benefits like free checked bags, priority boarding, expanded award availability, the ability to earn a companion pass, etc. However they typically offer a poorer value for spending and worse yet, they mean that your points are locked into a single currency that is subject to devaluation and can’t be transferred to other programs. Examples include:

• Chase United Explorer Card
  • Welcome bonus: Earn 50K bonus miles for spending $3,000 in 3 months.
  • Read the full card review here.
  • DD take: Excellent benefits for anyone flying on United or redeeming United miles, but not a great card for spending.

• Chase United Club Infinite Card 
  • Welcome bonus: Earn 80K bonus miles for spending $3,000 in 3 months.
  • DD take: A good card if you want United Club access and 2 free checked bags on United.

• Chase United Business Card
  • Welcome bonus: 75K bonus miles for spending $5,000 in 3 months.
  • Read the full card review here.
  • DD take: Excellent benefits for anyone flying on United or redeeming United miles, but not a great card for spending.

• Chase United Club Business Card (Click through United Business Card application)
  • Welcome bonus: Earn 75K bonus miles for spending $5,000 in 3 months.
  • DD take: A good card if you want United Club access and 2 free checked bags on United.

• Chase Chase British Airways Card, the Chase Aer Lingus Card, or the Chase Iberia Card 
  • Welcome bonus: Earn up to 100K bonus Avios (75K bonus Avios for spending $5,000 in 3 months and another 25K bonus Avios for spending another $15,000 in 12 months.)
  • Read the full card review here.
  • DD take: A good signup bonus, but weak spending benefits. If you use the new fuel surcharge rebate just once per year you will get back more than the cost of the annual fee.
• Chase Air Canada Aeroplan Card
  • Welcome bonus: Earn up to 100K bonus Aeroplan Miles (60,000 bonus points after spending $4,000 in 3 months and another 40,000 bonus points after spending another $16,000 in 12 months from card opening.)
  • Read the full card review here.
  • DD take: This card is loaded with unique features, but unless you’re an Air Canada loyalist, it may be not enough.

• Chase World of Hyatt Card
  • Welcome bonus: Earn 20K bonus points and $100 Hyatt credit for spending $3,000 in 3 months.
  • Read the full card review here.
  • DD take: A card with strong benefits, and a great return on spending if you value having Hyatt elite status. 

• Chase IHG Premier Card 
  • Welcome bonus: Earn 175K bonus points for spending $3,000 in 3 months.
  • Read the full card review here.
  • DD take: Good limited time signup bonus. The annual free night should be worth more than the annual fee and the Global Entry fee refund is a nice touch.

• Chase IHG Traveler Card
  • Welcome bonus: Earn 120K bonus points for spending $2,000 in 3 months.
  • DD take: Good limited time signup bonus, and 4th award night free has some value.

• Chase Marriott Bonvoy Bold or Boundless Consumer Card
  • Welcome bonus: Earn 30K bonus points for spending $1,000 in 3 months on the Bold or earn 3 free 50,000 point nights after spending $3,000 within 3 months on the Boundless.
  • DD take: Not a great card for spending, but a decent signup bonus and the anniversary night on boundless more than covers the annual fee.

• Chase Southwest Consumer Priority Card: Companion pass+30K bonus points
• Chase Southwest Consumer Premier Card: Companion pass+30K bonus points
• Chase Southwest Consumer Plus Card: Companion pass+30K bonus points
• Chase Southwest Performance Business Card: 80K bonus points
• Chase Southwest Business Premier Card: 60K bonus points
• Read the full card review and limited time offers on Southwest Cards here
• DD take: Great time to signup for companion pass and increased point bonuses. 

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Capital One Miles Cards:

These cards can transfer all of your Capital One points into airline miles. You can transfer points to other cardholders as well.

• Capital One Venture X Rewards Credit Card
  • Welcome bonus: Earn 75K bonus miles for spending $4,000 in 3 months.
  • Read the full card review here.
  • DD take: Great signup bonus and excellent mileage earnings on spending, plus laden with valuable benefits for primary and secondary cardholders.
• Capital One Venture Rewards Credit Card
  • Welcome bonus: Earn 75K bonus miles for spending $4,000 in 3 months.
  • Read the full card review here.
  • DD take: Great signup bonus and strong mileage earnings on spending.

• Capital One Spark Miles for Business
  • Welcome bonus: Earn 50K bonus miles for spending $4,500 in 3 months.
  • Read the full card review here.
  • DD take: Good signup bonus and strong mileage earnings on spending.

• SavorOne Card
  • Welcome Bonus: Earn $200 cash back for spending $500 within 3 months.

Capital One Cash Back Cards:

• Quicksilver, QuicksilverOne, and Quicksilver Secured
  • Earn 1.5% Cash Back.

American Express Membership Rewards Cards:

These cards can all transfer points into airline miles and hotel points.

• The Blue Business® Plus Credit Card from American Express
  • Earn 15k Membership Rewards points for spending $3,000 in 3 months.
  • Read the full card review here.
  • DD take: An incredible card for everyday spending with no annual fee.

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• The Business Platinum Card® from American Express
  • Welcome bonus: 120K welcome bonus points for spending $15,000 in 3 months.
  • Read the full card review here.
  • DD take: A pricey card, but a strong signup bonus and laden with benefits that far exceed the annual fee.

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• American Express® Business Gold Card
  • Welcome bonus: 70K welcome bonus points for spending $10,000 in 3 months.
  • More card details here.
  • DD take: If the spending categories make sense for you then this card be a worthwhile card to have.

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• AMEX Platinum Consumer Card:
  • Welcome bonus: 80K bonus points after spending $5,000 within your first 3 months of card membership.
  • DD take: A pricey card, but laden with benefits that can exceed the annual fee.

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• AMEX Gold Consumer Card:
  • Welcome bonus: 60K bonus points after spending $2,000 within your first 3 months of card membership.
  • DD take: If the spending categories make sense for you then this card be a worthwhile card to have.

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• Amex EveryDay® Preferred Credit Card:
  • Welcome bonus: 15K bonus points after spending $2,000 within your first 3 months of card membership.
  • DD take: If you can swing 30 purchases per month, this becomes a valuable card for spending, plus get return protection.

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American Express Cash Back cards:

• American Express® Blue Business Cash Card
  • Welcome Bonus: Earn a $250 credit after spending $3,000 within your first 3 months of card membership.
  • Read the full card review here.
  • DD take: A good cash back business card with no annual fee.

• AMEX Blue Cash Preferred Consumer Card
  • Welcome Bonus: Earn a $250 credit after spending $3,000 within your first 6 months of card membership.
  • DD take: A good cash back card for the spending categories and valuable return protection.
• AMEX Blue Cash Everyday Consumer Card
  • Welcome bonus: $200 back after spending $2,000 within your first 6 months of card membership.
  • DD take: A decent cash back card for the spending categories.

American Express Co-Brand Cards:

• Marriott Bonvoy Business® American Express® Card
  • Welcome bonus: 125K bonus points after spending $3,000 within your first 3 months of card membership.
  • Read the full card review here.
  • DD take: A better than usual sign up bonus, the card is weak for spending, but the anniversary night more than covers the annual fee.
• Marriott Bonvoy Brilliant™ American Express® Card
  • Welcome bonus: 95K bonus points after spending $5,000 within your first 3 months of card membership.
  • Read the full card review here.
  • DD take: A pricey and weak card for the welcome bonus and spending, but the Marriott elite status and anniversary night are valuable if you’ll use them.
• Delta SkyMiles® Gold American Express Card
  • Limited time offer ending 3/29/23: Earn 70,000 bonus miles after spending $2,000 in the first 6 months of card membership.
  • Full card review here.
  • DD take: Limited time welcome bonus, but weak for spending. Helpful for a free checked bag.
• Delta SkyMiles® Platinum American Express Card
  • Limited time offer ending 3/29/23: Earn 90,000 bonus miles after spending $4,000 in the first 6 months of card membership.
  • Full card review here.
  • DD take: Limited time welcome bonus, but weak for spending and pricey card. Helpful for Delta elites.
• Delta SkyMiles® Reserve American Express Card
  • Limited time offer ending 3/29/23: Earn 90,000 bonus miles after you spend $6,000 in purchases on your new Card in your first 3 months.
  • Full card review here.
  • DD take: Limited time welcome bonus, but weak for spending and pricey card. Potentially very helpful for Delta travelers.
• Gold Delta SkyMiles® Business Credit Card from American Express:
  • Limited time offer ending 3/29/23: Earn 75,000 bonus miles after spending $3,000 in the first 3 months of card membership.
  • Full card review here.
  • DD take: A weak card for the welcome bonus and spending, but helpful for a free checked bag.
• Platinum Delta SkyMiles® Business Credit Card from American Express:
  • Limited time offer ending 3/29/23: Earn 95,000 bonus miles after spending $4,000 in the first 3 months of card membership.
  • Full card review here.
  • DD take: Limited time welcome bonus and pricey card, but helpful for Delta elites.
• Delta Reserve for Business Credit Card:
  • Limited time offer ending 3/29/23: Earn 100,000 bonus miles after you spend $6,000 in purchases on your new Card in your first 3 months.
  • Full card review here.
  • DD take: Limited time welcome bonus and pricey card, but potentially very helpful for Delta travelers.

• The Hilton Honors American Express Business Card
  • Welcome bonus: 165K bonus points after spending $5,000 within your first 3 months of card membership.
  • Full card review here.
  • DD take: Hilton points are very devalued, but it can make sense to have the card for elite status and spend for the annual free nights.
• Hilton Honors American Express Card
  • Welcome bonus: 100K bonus points after spending $2,000 within your first 6 months of card membership.
  • DD take: Mediocre signup bonus and benefits.
• Hilton Honors American Express Aspire Card
  • Welcome bonus: 150K bonus points after spending $4,000 within your first 3 months of card membership.
  • Full card review here.
  • DD take: Hilton points are very devalued, but it can make sense to have the card for elite status, annual free nights, airline fee credit, and resort credit.

Citibank Cash Back and ThankYou Cards:

• Citi Double Cash Card
  • Spending categories: Earn 2 ThankYou points per dollar everywhere. You can use this for 2% cash back or transfer to miles via Citi Premier.
  • Full card review here.
  • DD take: A very good card for spending for the ability to transfer points or earn cash back, but no benefits or extended warranty.
• Citi Rewards+ Card
  • Signup bonus: 20K points for spending $1,500 in 3 months.
  • DD take: A good card for small transactions and the points rebate, but no benefits or extended warranty.
• Citi Premier Card
  • Signup bonus: 60K points for spending $4,000 in 3 months.
  • Full card review here.
  • DD take: A good card, especially when paired together with Double Cash for 2 points per dollar everywhere and Rewards+ for a points rebate.

Citibank Co-Brand Cards:

• Citi Business AAdvantage World Mastercard
  • Signup bonus: 65K bonus miles after spending $4,000 within your first 4 months.
  • DD take: Strong signup bonus and helpful for AA flights.
• Citi AAdvantage Executive World Elite Mastercard
  • Signup bonus: 50K bonus miles after spending $5,000 within your first 3 months.
  • Full card review here.
  • DD take: Weak spending categories and pricey card, but useful for AA lounge access.

• Costco Anywhere Visa Card by Citi
  • Spending categories: 4% back on up to $7K of annual gas and EV charging, 3% back on dining and travel, 2% back on Costco purchases, 1% back elsewhere.
  • DD take: No signup bonus, but decent for bonus categories.

More in-depth reading:

• Don’t Miss Out On Great Offers; Top Credit Cards To Signup For In March 2023!
• Ultimate Cards 
• AMEX Platinum Cards
• Ink Card FAQs
• How To Avoid Having Your Credit Cards Closed
• All About Mileage Expiration And Transfer Options
• No, You Shouldn’t Get An Apple Card, Why Do You Ask?
• Brutal! Citi Will Nuke Most Of Their Credit Card Benefits And Protections, Will Other Banks Follow?
• It’s 5/24 Day; What’s Your Chase 5/24 Strategy?
• 2023 Is The Best Year Ever To Pay Your Taxes With A Credit Card! 
• Airline And Hotel Program Devaluations Prove Why Transferable Point Currencies Are Critical
• The Dark Side Of Earning Credit Card Points; PSA: Don’t Swipe For Others!
• Testing Out Using 2023 AMEX Airline Fee Credit Uses, How Will You Use Yours?
• This Is Why You Should Have An Ink Cash Card; Master List Of Gift Cards Earning 5x
• Ending Soon! AWESOME! Earn A Record High 90,000 Points On The Excellent No Annual Fee Chase Ink Unlimited Card!
• Ending Soon! INCREDIBLE! Earn A Whopping 90,000 Points On The Fantastic No Annual Fee Chase Ink Cash Card! Earn 5 Points Per Dollar On Amazon And Hundreds Of Other Stores
• End Date Is Very Soon: The Best Ever Chase Ink Offers Are Going Away Very Soon! Readers Have Been Earning Hundreds Of Thousands Of Points On These, Don’t Miss Out!
• You can read more of our Credit Card posts here.

What cards do you have, and which will you be signing up for?