Spending Categories
Best cards for broad spending categories
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Which of Your Transfer Partners Are About to Devalue? A Burn-or-Hold Checklist for Chase, Amex, and Citi Points
read more: Which of Your Transfer Partners Are About to Devalue? A Burn-or-Hold Checklist for Chase, Amex, and Citi PointsA devaluation only moves one direction. If a points balance is sitting idle in a Chase, Amex, or Citi account today, the question is not…
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Credit Card Surcharge Laws by State: When It’s Actually Legal to Charge You Extra
read more: Credit Card Surcharge Laws by State: When It’s Actually Legal to Charge You ExtraCredit card surcharges are illegal in Connecticut, Massachusetts, Maine and Puerto Rico, capped at 2% in Colorado, and bound everywhere by Visa and Mastercard rules…
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Credit Card Churning Explained: How the Sign-Up Bonus Strategy Works and Its Real Risks
read more: Credit Card Churning Explained: How the Sign-Up Bonus Strategy Works and Its Real RisksCredit card churning means opening cards for the sign-up bonus. Here’s how it works, the issuer rules that limit it, and the real credit score…
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Buy Now, Pay Later vs. Credit Cards: Which Actually Costs You More
read more: Buy Now, Pay Later vs. Credit Cards: Which Actually Costs You MoreA flat-rate rewards card beats BNPL if you pay in full. If you can’t, here’s when a true 0% BNPL plan is genuinely the cheaper…
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When to Product Change, Downgrade, or Cancel Your Credit Card
read more: When to Product Change, Downgrade, or Cancel Your Credit CardYour annual fee is due. Before you cancel, understand your three options: product change to keep your account open, downgrade to a no-fee card, or…