Spending Category Guides
Best card for every spending category
Dining. Groceries. Gas. Travel. Streaming. One guide per category tells you exactly which card wins and why.
Paying Taxes
Best: 2%+ flat-rate card (e.g. Citi Double Cash) : only when processor fee < your rewards rate
IRS charges 1.75%–1.85% to pay by card. Here’s the only scenario where it makes sense.
Buy Now, Pay Later vs. Credit Cards
Best: Citi Double Cash : flat 2% back beats BNPL every time you pay in full
When a 0% BNPL plan actually beats a credit card, and how BNPL credit bureau reporting really works in 2026
Credit Card Churning
Best: pay-in-full households only, works when minimum spend is money you would already spend
What churning means, the 5/24 and once-per-lifetime rules that limit it, and the real credit score risks
Joint Credit Card Debt in a Divorce
Best: close what you can before the decree is final, refinance the rest into a solo card
A divorce decree does not bind your card issuer. Who is actually liable, authorized user vs. joint holder, and the timing checklist that protects your credit.
Identity Theft Protection
Best: enroll in Visa’s free ID Navigator at cardbenefitidprotect.com if your card is Visa Signature or Infinite
The free $1M identity theft insurance that used to come standard on premium Visa cards is gone from the current Guide to Benefits. Here is what actually replaced it.
Gas Stations
Citi Custom Cash auto-5% vs. Amex BCP 3% vs. Wells Fargo Autograph 3x
Coming Soon
Travel and Flights
Amex Platinum 5x on flights vs. Chase Sapphire Reserve 3x on all travel
Coming Soon
Streaming Services
Amex BCP 6% on streaming vs. Chase Sapphire Preferred 3x vs. SavorOne 3%
Coming Soon
Hotels
Co-brand cards vs. flexible points: when loyalty beats flexibility
Coming Soon