Guides
Plain-English answers to the questions that decide whether a card is worth it, and whether you’ll get approved.
Credits to use before December 31
85 credits that reset on January 1, card by card, so nothing expires unused.
Read the guide →The Chase 5/24 rule, explained
What counts toward 5/24, what doesn’t, and the day each card drops off your count.
Read the guide →Do the credits cover the annual fee?
32 premium cards ranked by credits minus annual fee, and the catch with monthly credits.
Read the guide →Every bank’s application rules
Amex 2/90, Citi 1/8, Bank of America 2/3/4 and the rest, in plain English.
Read the guide →Credits you have to activate first
136 credits that pay nothing until you enroll, with how to switch on each one.
Read the guide →Cards that pay for Global Entry and TSA PreCheck
38 cards with a Global Entry or TSA PreCheck fee credit, sorted by annual fee.
Read the guide →Cards with airport lounge access
36 cards that get you into airport lounges, and which lounges each one covers.
Read the guide →