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 …
travel rewards
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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 …
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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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If you’ve been around Citi’s ThankYou ecosystem for a while, you probably still think of this card as “the Citi Premier.” Citi has since refreshed and renamed it the Citi …
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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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Credit Cards
8 Commonly Heard Questions About Chase’s 5/24 Rule For New Card Applications
by joehegby joehegIt used to be easier to sign up for travel cards. When you hear stories from just a few years ago, they can seem unbelievable today. That’s because the banks …
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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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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 …