Rewards & Points

A clear breakdown of the three cash back structures — flat rate, tiered, and rotating — with a framework for choosing the right structure based on your spending patterns.

How credit card sign-up bonuses work, strategies for meeting minimum spend requirements naturally, timing considerations, and the tax treatment of bonus earnings.

A practical guide to finding redemption sweet spots in credit card points programs, understanding which redemptions consistently deliver poor value, and avoiding the most common mistakes.

A practical framework for calculating the real value of credit card points — cents per point (CPP), how redemption method affects value, and how to compare rewards programs without relying on inflated valuations.