Recent posts
Short reads on cards and points, with the math shown.
Card math
Keep it or cancel it? The one-line annual fee test
Every annual-fee card comes down to one subtraction. How to run it honestly before the fee posts.
Read the post →Points strategy
The Chase trifecta, explained
Two no-fee cards do the earning, one Sapphire card unlocks the transfers. Why the combo beats plain cash back.
Read the post →Card math
Book flights direct for 5x, not 1x
Same ticket, same card, five times the points. Where you book decides it.
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Educational only, not financial advice. Card and program terms are set by the issuer and change; confirm on their official page before you apply. Some links are referral or affiliate links: I earn a referral bonus if you're approved through my link, at no cost to you.