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personal finance

  • Credit Cards

    Amex’s “Pay Over Time”: Why & How To Turn It Off (2026 Update)

    by joeheg March 25, 2026
    by joeheg March 25, 2026

    There’s a feature on your American Express card that can quietly change how it works—and you might not even realize it’s turned on. For years, AMEX charge cards had one …

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  • Credit Cards

    Fidelity Just Made Its 2% Cash Back Card Even Better

    by joeheg July 9, 2025
    by joeheg July 9, 2025

    There’s a quiet but welcome improvement coming to the Fidelity® Rewards Visa Signature® Card — and it makes a good 2% cash back card even better. By the end of …

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  • Credit Cards

    Don’t Let Your Credit Cards Gather Dust: The Risks of Inactivity

    by joeheg May 18, 2025
    by joeheg May 18, 2025

    When you have a drawer full of credit cards, some will be used more than others. After all, some credit cards are simply more effective in helping you achieve your …

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  • Credit Cards

    My Ongoing Disappointment with Chase Offers

    by joeheg April 10, 2025
    by joeheg April 10, 2025

    One of the golden rules when earning miles and points is to maximize every purchase. That could mean using a shopping portal (online or in-store), buying gift cards at supermarkets or office …

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  • Credit Cards

    Is the Chase Freedom Unlimited Still the Best Card for Everyday Spending?

    by joeheg April 6, 2025
    by joeheg April 6, 2025

    Picking which credit cards to have in your wallet is like building a wall. Some cards are the larger rocks that earn bonus points and perks in major categories, such …

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  • Credit Cards

    A Christmas Miracle! We Broke Free from AMEX Pop-Up Jail

    by joeheg December 26, 2024
    by joeheg December 26, 2024

    Maybe it’s the magic of Christmas, but we received a special present from American Express. My wife is out of AMEX pop-up jail! It was only two months ago when …

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  • Credit Cards

    A Look at My 2024 Credit Card Usage: What Worked, What Didn’t

    by joeheg December 19, 2024
    by joeheg December 19, 2024

    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 …

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  • Credit Cards

    Why I Switched from the Citi Prestige to the Double Cash (and What I Learned)

    by joeheg December 4, 2024
    by joeheg December 4, 2024

    After deciding not to keep the Citi Prestige® Card, I had three options: try for a retention offer, downgrade to a no-annual-fee card, or cancel the card entirely. Retention Offer …

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  • Credit Cards

    Why Chase Charges Late Fees Before the Payment Deadline

    by joeheg November 24, 2024
    by joeheg November 24, 2024

    The concept of a payment due date is straightforward—you make a payment before the end of the day it’s due. Back in the days of mailing checks, you had to …

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  • Credit Cards

    Why We’re Keeping Our Sapphire Preferred

    by joeheg October 31, 2024
    by joeheg October 31, 2024

    Each year, when an annual fee is due, I evaluate whether a credit card is still worth the cost. The $95 annual fee for my wife’s Chase Sapphire Preferred card is approaching, …

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Your Mileage May Vary
  • Home
  • Contact
  • About
  • Categories
    • Airlines
    • Airports
    • Contests & Sweepstakes
    • Credit Cards
    • Cruises
    • Discounts & Sales
    • Disney, Universal & Other Theme Parks
    • Food & Beverage
    • Funny Stuff
    • Ground Transportation (Bus, Lyft, Subway, Taxi, Train, Uber, etc.)
    • Hotels
    • Lounges
    • Museums
    • New York City
    • Newbies (& those who don’t travel often)
    • Parks/Nature
    • Points & Miles
    • Rental Cars
    • Roadside Attraction
    • Shopping
    • Theater
    • Tips and Tricks
    • Travel
    • Weekly Recap