Points & Miles
Turn your daily spending into first-class flights, five-star hotels, and unforgettable getaways. In this section, we break down the smartest ways to earn and redeem credit card points, airline miles, and hotel rewards. Get the most value from your spend with expert strategies, point calculators, and real-world transfer guides—all designed to help you travel better, for less.
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Credit 101
Can I Use Household Income for Credit Card Applications?
Learn What Counts as Income, Who Qualifies, and How Credit Card Issuers Evaluate Your Ability to Pay
Why You Shouldn't Ask for a Credit Limit Increase
Requesting a higher credit limit often costs a hard inquiry. Here’s why applying for a new card can be a smarter move—and how lowering limits can actually reduce your risk profile.
Credit Cards 101
7 Habits of Highly Effective Credit Card Users
Before you get into credit cards, here are 7 traits you need to succeed—and avoid costly mistakes.
American Express Updates Signup Bonus Terms and Conditions to Discourage People from Gaming the System
Amex Clarifies That Abusing Welcome Offers May Lead to Clawbacks, Freezes, or Account Closures
American Express Rewards Abuse Team (RAT) and Knowing the Rules of the Game
Card issuers like Amex can shut you down—even if customer service said it was okay.
Can I Use Household Income for Credit Card Applications?
Learn What Counts as Income, Who Qualifies, and How Credit Card Issuers Evaluate Your Ability to Pay
How Often Should You Use Your Credit Cards to Keep Them Active?
How often should you use your credit cards to avoid closure? Here’s what banks expect and how to stay safe.
Retention Offers
Credit Card Retention Offers: Data Points, Call Tips, and What to Expect
What Is Bust-Out Fraud? 4 Tips to Avoid Credit Card Shutdowns
Understand Bust-Out Fraud and Learn Risk Signals That Could Lead to a Credit Card Shutdown
Best Ways to Redeem Amex Points | American Express Membership Reward (MR) Points
Your Guide to Getting the Most Value From American Express Points
Rules to Know for American Express Credit Card Applications 2025
Before You Apply: Key American Express Credit Card Rules for Welcome Offers and Approvals