Blogs

By Karl • The Cards Guy The holidays bring record sales—but also record disputes. Lost packages, buyer’s remorse, and even

Last updated: October 5, 2025 Lots of 1:1 partners, a few odd ratios (JAL/EVA at 2:1.5, JetBlue at 5:3). Transfers

By Karl • The Cards Guy Between Black Friday lightning deals and last-minute gift runs, things go wrong: packages vanish,

US Mobile is the MVNO I point to when someone wants choice and value. You can pick the best underlying

If you’ve been stockpiling points, October is one of those months where they stretch further—but only if you already see

Here’s where we turn strategy into a setup. I’m not just listing brands; I’m telling you what to pair and

While there are many premium travel rewards credit cards offered, the American Express Platinum is one of the oldest and

By Karl • The Cards Guy Q4 is when small businesses sprint: ads ramp up, inventory gets bought, software renewals

Last updated: October 5, 2025 Short version: Chase is the easiest ‘instant transfer’ currency. Most partners are instant, Hyatt is

You don’t need a pricey add-on to call home. MVNOs run on the same big towers (AT&T, T-Mobile, Verizon), but

By Karl • The Cards Guy Holiday carts get big fast—TVs, laptops, toys, flights. If you’re going to spread costs,

Last updated: October 5, 2025 Citi splits ratios by card. Premium cards (Strata Premier/Elite) usually get 1:1. No‑annual‑fee cards often

Last updated: October 5, 2025 Big roster, frequent bonuses. Emirates transfers are 5:4 (since Sept 16, 2025). Transfers to U.S.

By Karl • The Cards Guy Heading back to campus this fall or prepping for holiday shopping means managing tight

The thought of applying for a business credit card can feel daunting. You’re building a business, and the last thing

Stepping into the world of credit can feel both exciting and intimidating. Choosing your first credit card is a significant

Juggling multiple credit card due dates can feel like a high-stakes financial game where one small slip-up results in late