Delta SkyMiles is the loyalty program people love to hate. But after years of complaining about what Delta has done to the program, I’ve finally learned how to live with …
points and miles
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When I looked back at my credit card spending for 2025, I knew exactly what I was trying to accomplish. I had mapped out several spending goals, including earning a …
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I have a United flight I need to book, but I’m intentionally waiting a few days before buying it. That’s not because I expect the fare to drop, because I’m …
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Credit Cards
Most People Use Amex Membership Rewards The “Wrong” Way — And That’s Great For Us
by joehegby joehegEver wonder why banks keep handing out massive signup bonuses and 5X points on spending, even though we all know points eventually get devalued? Shouldn’t they be tightening the reins …
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Hotels
When Booking A Hotel Through A Portal Actually Made More Sense Than Booking Direct
by joehegby joehegBooking directly with a hotel is usually the cleanest option. You earn hotel points, elite credit, credit card rewards and whatever benefits come with your status. But every once in …
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Credit Cards
The Bilt 2.0 Problem That Had Me Using AI To Track Spending Is Finally Fixed
by joehegby joehegWhen Bilt moved to Bilt 2.0, I expected a few bumps along the way. What I didn’t expect was that one of those bumps would have me asking AI to …
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Credit Cards
Why AMEX Centurion Cardholders Don’t Play The Same Points Game We Do
by joehegby joehegFor many of us in the points and miles world, credit card strategy is all about optimization. We know which card earns 4X at restaurants, which one earns 5X on …
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If I had to give up one flexible points ecosystem, the answer wouldn’t be as obvious as it once was. For years, my answer probably would have been easier. Chase …
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Credit Cards
Southwest Premier Card Review: Is The Middle Option Finally Worth Considering?
by joehegby joehegThe Southwest Rapid Rewards Premier Credit Card has always felt like the middle option in Southwest’s lineup. The Plus Card costs less. The Priority Card comes with more perks. That …
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The Southwest Rapid Rewards Priority Credit Card has long been the premium option among Southwest’s personal credit cards. It has the highest annual fee of the three, but it also …