Strategy
Churning strategies, signup bonus stacking, and portfolio optimization tips.
Chase 5/24 Rule Explained: The Complete 2026 Guide
Everything you need to know about Chase's 5/24 rule: what counts, what doesn't, how to check your status, and strategic frameworks for applying under and over 5/24.
Churning for Beginners: Your First 90 Days
A step-by-step guide to your first 90 days of credit card churning. Which card to get first, how to meet minimum spend, when to apply for card #2, and the mistakes that trip up every beginner.
Aeroplan Sweet Spots: Best Redemptions for Canadians
The highest-value Aeroplan redemptions by region -- from ANA first class to Japan at 8+ cents per point to free stopovers that turn one trip into two.
Hotel Points: When to Pay Cash vs. Use Points
A practical framework for deciding when to burn hotel points and when to pay cash -- with cents-per-point benchmarks for Hyatt, Marriott, and Hilton.
Maximizing Credit Card Welcome Bonuses: A Complete Strategy
How to earn $3,000+ in travel value your first year through welcome bonuses -- meeting minimum spend honestly, timing applications, and managing cards after the bonus.
Points vs. Cashback: Which Strategy Wins in 2026?
A mathematical comparison of points and cashback strategies at every spending level -- plus the hybrid approach that gives most people the best of both worlds.
Canadian Credit Card Churning Guide: Rules by Issuer
A comprehensive guide to churning rules at every major Canadian bank -- Amex, TD, CIBC, RBC, Scotiabank, and BMO -- including product switch strategies and timing.
The Complete Guide to Chase's 5/24 Rule
Everything you need to know about Chase's 5/24 rule: what counts, optimal application order, the Chase trifecta, and how to get back under 5/24.
Credit Card Churning for Beginners: Your First Year
New to churning? Here is your complete first-year roadmap: which cards to get, in what order, how to track bonuses, and how to avoid the most common mistakes.
How to Hit Every Signup Bonus: Spending Strategies That Work
Proven strategies to meet minimum spend requirements without overspending -- from front-loading bills to timing major purchases.
When to Keep, Downgrade, or Cancel Your Credit Card
A systematic framework for deciding what to do when your annual fee posts -- including retention offers, product changes, and cancellation timing.
Two-Player Mode: Optimizing Credit Cards as a Couple
Double your signup bonuses, stack referral offers, and pool points across two players. The complete guide to household credit card strategy.