It’s common to see posts about which credit cards are in someone’s wallet, offering a snapshot of their strategy and why they use each card. Some cards might serve niche …
Amex
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Travel
My 2025 Resolution Was To Cancel 25% Of Our Annual-Fee Cards. Here’s How It Went.
by joehegby joehegBack in January 2025, I did something I don’t usually do: I set a very specific, very measurable goal. Not “be better with money.” Not “simplify.” Not “stop opening shiny …
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Credit Cards
Amex Upgrade Offers Explained: Bonuses, Pitfalls, and Real Examples
by joehegby joehegOne of the easiest ways to earn a big stash of points or miles is by grabbing a strong sign-up bonus. Apply, hit the minimum spend, collect the rewards, repeat …
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Credit Cards
Why a Targeted Offer Made Me Reconsider the Marriott Bonvoy Brilliant (and Its $650 Fee)
by joehegby joehegI never thought I’d be considering the Marriott Bonvoy Brilliant again. We ditched this card back in 2023, right around the time the annual fee jumped to $650. Not because …
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If you’ve ever transferred American Express Membership Rewards points to a U.S. airline frequent flyer program, you may have noticed an extra line item called the AMEX Excise Tax Offset …
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Credit Cards
Delta SkyMiles Amex Cards Offer a Choice: Metal or Recycled Plastic
by joehegby joehegDelta made a splash in 2020 when it introduced metal credit cards for Delta SkyMiles Platinum and Reserve American Express cardholders. But honestly, I never understood the hype around metal …
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Delta offers several co-brand credit cards through its partnership with American Express, but not every Delta flyer needs a premium card with a big annual fee. If you’re not chasing …
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Credit Cards
Small Business Saturday Used to Be an Amex “Holiday.” What Happened?
by joehegby joehegForgive me for a bit of nostalgia, but I remember when Small Business Saturday felt like an actual Amex “holiday.” Back when American Express launched Small Business Saturday in 2010, …
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If I had to name the one skill that determines whether points & miles becomes a fun long-term hobby—or a short, expensive lesson—it wouldn’t be optimization. It wouldn’t be award …
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Sometimes an AMEX Offer comes back that’s not flashy but still worth adding right away. My wife Sharon just received one of those on several of her cards, and it …