American Express Membership Rewards has a long list of transfer partners. But I don’t rank these based on theory. I rank them based on reality — the programs I’ve actually …
travel rewards
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Credit Cards
How Some Businesses Are Quietly Helping Customers Avoid Credit Card Fees
by joehegby joehegOne of the “perks” of an expensive car repair is that it’s a pretty easy way to generate a big chunk of credit card spend. I don’t mean I want …
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Credit Cards
Citi Strata Premier’s $100 Hotel Credit: How to Use It (Step-by-Step
by joehegby joehegThe Citi Strata Premier is one of those cards that makes perfect sense… if you use it the way Citi expects you to use it. Not for lounge access. Not …
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Points & Miles
You Can Only Pick One Lyft Rewards Partner: Here’s the Best Choice for 2026
by joehegby joehegIf you use Lyft even a few times a month — or just occasionally when you travel — you’ve probably noticed something: the rewards side keeps shifting. And in 2026, …
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Credit Cards
How to Use the Hilton Surpass $50 Credit When You’re Not Staying at a Hilton
by joehegby joehegIf 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 …
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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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Credit Cards
The Easiest Way to Track Your Hyatt Card’s $15K Free Night Requirement
by joehegby joehegIf you have the World of Hyatt Credit Card, there’s a simple reason you might push spend onto it near the end of the year: the card can earn you …