Reaching the sign-up bonus, and the basic advice to get there!

Dear everyday spender: Do you remember the previous post where I asked you to project any large purchases in the near future? The important thing to remember is: ask yourself what you can afford. Sometimes, especially with the more-advanced cards, the criteria for the...

Maximizing your cash back – the difference between 1.5% and 2%

Think quick!  Is it better to earn 2% cash back with a $100 introductory bonus, or 1.5% with a $150 introductory bonus? Here’s a hint: it’s a trick question! So let’s break it down: 2% is $20 on every $1000, or $200 on every $10,000. (+ $100 bonus =...

The truth about gift cards, a cautionary tale

Dear everyday spender, With a gift card, much like with cash, you’ve given up your security.  Typically all sales are final or non-refundable.  In other words, protect your gift cards much the same way you protect cash. There should be no tax on any gift card...