Credit Card Rewards & Optimization

Maximize your credit card rewards, find the best sign-up bonuses, and learn strategies to make your spending work for you.

Credit Card Topics

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Sign-Up Bonuses

Current best offers, minimum spend strategies, and timing multiple applications for maximum value.

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Travel Rewards

Airline miles, hotel points, transfer partners, and how to redeem for maximum value on travel.

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Cash Back Cards

Best cash back rates by category, rotating categories, and stacking strategies for extra rewards.

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Credit Score Impact

How applications affect your score, when to apply, and maintaining excellent credit while churning.

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Card Benefits

Purchase protection, extended warranties, travel insurance, and other perks you might not know about.

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Digital Wallets

Apple Pay, Google Pay bonuses, and mobile payment rewards optimization strategies.

This Month’s Top Sign-Up Bonuses

🔥 Featured Offers - January 2026

Chase Sapphire Preferred®

Earn 60,000 bonus points after spending $4,000 in first 3 months

Value: ~$750 in travel • Annual Fee: $95

American Express Gold Card

Earn 60,000 Membership Rewards points after $4,000 spend

Value: ~$600 in travel • Annual Fee: $250

Citi Double Cash Card

2% cash back on all purchases (1% when you buy, 1% when you pay)

Value: Ongoing rewards • Annual Fee: $0

Offers change frequently. Always check official card issuer websites for current terms.

Rewards Strategy Tips

💡 Pro Tips for Maximizing Rewards

  • Pay in full monthly: Interest charges negate any rewards
  • Track category bonuses: Use the right card for each purchase
  • Time sign-ups strategically: Apply when you have large planned expenses
  • Don't overspend for rewards: Only worth it if you'd buy anyway
  • Set reminders for annual fees: Evaluate if cards are still worth keeping

Recent Credit Card Posts

  • Posts coming soon! Check back for the latest credit card offers and strategies.