Topic Archive
Guides
9 articles
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The 3-Card Setup That Covers 90% of Spending
The Amex Trifecta (Platinum, Gold, and Blue Business Plus) routes every major spending category to its highest earn rate. Here's how the setup works.
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The Best 3-Card Credit Card Setups for 2026
The top 3-card wallet combinations to maximize rewards across all spending categories. Amex, Chase, and mixed trifectas compared.
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Should You Keep or Cancel Your Credit Card? A Decision Framework
A step-by-step framework to decide if a card's annual fee is worth paying. Includes a checklist you can use for every card, every year.
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The Chase Trifecta: Best 3-Card Setup for Ultimate Rewards (2026)
Build the perfect Chase trifecta. Which 3 cards cover every spending category at maximum earning rates.
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How to Calculate Your Effective Annual Fee (With Real Examples)
Your real annual fee = listed fee minus credits used. Learn the formula and see it applied to 10 popular premium cards.
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When Do Credit Card Credits Reset? Complete Calendar for 2026 (Amex, Chase, Capital One)
Complete reset calendar for statement credits across major issuers. Know exactly when your credits renew so you never miss a deadline.
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How Amex Offers Work (and How to Never Miss One Again)
Amex Offers only pay out if you enroll first. Here is how they work, where to find them, and how to stop missing free money.
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Best Credit Card Rewards Optimizer Apps in 2026
Compare the top apps for tracking credit card rewards, credits, and spending optimization. CardStack, MaxRewards, Kudos, AwardWallet, and more.
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How Many Credit Cards Should You Have? A Practical Guide
The right number of credit cards depends on your goals and tolerance for complexity. Here's a framework for deciding.