US Cards
Credit card guides, reviews, and strategies for US-based churners.
The 5 Best Dining Credit Cards in 2026
Maximize every restaurant dollar with the right credit card. We rank the top dining cards by earning rate, annual fee, and total value for regular diners.
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.
Is the Amex Gold Worth the $250 Annual Fee in 2026?
A detailed break-even analysis of the Amex Gold at different spending levels and point valuations. We calculate exactly how much you need to spend for the card to pay for itself.
Credit Card Points Valuations: What Your Points Are Worth in 2026
A comprehensive guide to valuing Chase UR, Amex MR, Citi TYP, and Capital One miles. Learn the cents-per-point framework and the best and worst ways to redeem your rewards.
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.
Transfer Partner Guide: Where to Send Your Points in 2026
A complete map of Chase UR, Amex MR, and Citi TYP transfer partners -- which ones deliver the best value, when to transfer vs. cash out, and how to build a multi-currency portfolio.
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.
The 5 Best Grocery Credit Cards in 2026
Maximize your supermarket spending with the right card. We break down the top grocery cards by cashback rate, annual fee, and stacking potential.
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.
How to Value Your Credit Card Points in 2026
Learn what your points are really worth. A complete guide to valuing MR, UR, TYP, and Capital One miles with the best transfer partners and redemption strategies.
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.
Amex Gold vs Chase Sapphire Reserve: Which Should You Get?
A head-to-head comparison of the two most popular premium rewards cards. We break down earning rates, benefits, fees, and who should get which.
The 7 Best Travel Credit Cards in 2026
From lounge access to transfer partners, these are the top travel cards for every type of traveler -- ranked by real-world value.
Best No-Annual-Fee Cashback Cards in 2026
Earn 2-5% back on every purchase without paying a cent in annual fees. These are the best free cashback cards available right now.
Is the Amex Platinum Worth $695? A Complete Review
We break down every credit, benefit, and earning rate to determine whether the Amex Platinum justifies its $695 annual fee.
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.
The Complete Guide to Amex Membership Rewards (MR) Points
How to earn, value, and redeem Amex MR points for maximum value -- including the best transfer partners and sweet spot redemptions.
Chase Ultimate Rewards (UR) Points: Everything You Need to Know
The complete guide to earning, valuing, and redeeming Chase UR points -- from the Chase trifecta to the best transfer partners and the 5/24 rule.