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Card rules, transfer partners and benefits change constantly, and these guides are kept up to date. When a guide changes, a changelog at the bottom of that page shows what changed and when.
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New to points and miles, or deciding which card to get next
Beginner's Guide to Points, Miles and Credit Cards
What to aim for, how to protect your credit, and which points to collect first.
Card Finder: Which Card Should I Get?
Answer a few questions and get one card to apply for now, with the reasons.
Credit Card Reviews
Every card I review, with its best available offer and whether it's worth the fee.
Before you apply
The rules, the timing, and whether today's offer is a good one
The Best Credit Card Offers Right Now
My picks for the 25 best welcome offers today, each with its spend, fee and best-ever offer.
Credit Card Application Rules by Bank
Chase 5/24, Amex and Citi bonus limits, credit bureaus, and reconsideration numbers.
Credit Card Welcome Offer HistoryData
The best offer on popular cards over time, so you know if today's bonus is a good one.
Southwest Companion Pass
What changes on January 1, 2027, and the last chance to earn it under the old rules.
Checked Bag Fees by Airline, and How to Avoid Them
What a checked bag costs on each airline, every card that waives it, and when award tickets count.
Using your points
Moving, sharing, valuing and redeeming what you've earned
Credit Card Transfer Partners
Every airline and hotel partner for each bank, with ratios and transfer times.
Sharing Points and Miles
Family pooling, booking for someone else, and moving points: the rules for 32 programs.
What Points and Miles Are Worth
My minimum values for 32 programs, to spot a bad redemption before you make it.
Award Search Tools Compared
PointsYeah, seats.aero, point.me and more: what each does free and what paid adds.
Sweet Spots by Program
The redemptions that still hold up, program by program, with cash prices and the catches.
Credit Card Travel Benefits Compared
Which card covers your rental car, delayed flight or lost bag, and which gets you into lounges.
Points and Miles Devaluations Since 2020Data
Every major devaluation, dated, with how much each one raised award prices.
Before you pay a fee
Keep it, downgrade it, or cancel it
Premium Credit Card Calculator
Tick the credits you'd really use and see what a premium card actually costs you.
Credit Card Credits Calendar
Every statement credit and free night on your cards, and when each one resets.
Downgrades and Retention Offers
Where each card can be downgraded, what you give up, and retention offers reported.
Credit Card Annual Fee HistoryData
Every annual fee change on premium travel cards since 2015, with an inflation comparison.