If you have the Hilton Honors American Express Surpass® Card, one of the most valuable perks is also one of the easiest to waste: the up to $200 Hilton Statement …
Credit Cards
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When Bilt rolled out its 2.0 refresh, many people rushed to sign up at zero hour. Others rushed to declare it the end of Bilt altogether. I did neither. Part …
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Every year, I end up picking up a few new credit cards. And each one has a specific reason. Maybe a card has a huge welcome offer. Maybe there’s a …
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Credit Cards
The Credit Cards I Actually Used Most in 2025 (And What I’d Do Differently)
by joehegby joehegIt’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 …
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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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For years, the Apple Card story has felt like one long game of “who’s next?” Now we finally have the answer: Apple has confirmed that Chase will become the new …
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Credit Cards
Week One: $550 Back From AMEX Platinum Credits (And Why I Did It Early)
by joehegby joehegEvery January, I tell myself I’m going to be “better” about using my AMEX Platinum credits. And every December, I’m still somehow surprised by how fast the year disappears. So …
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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
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 …