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By Karl • The Cards Guy Q4 is when small businesses sprint: ads ramp up, inventory gets bought, software renewals hit, and there’s travel to wrap up deals. The right business credit card can turn that year-end spend into cash back, points, and real savings, while giving you 0% APR runway and better protection/controls on […]

Last updated: October 5, 2025 Short version: Chase is the easiest ‘instant transfer’ currency. Most partners are instant, Hyatt is a standout value, and Avios + Virgin Atlantic unlock great flight deals. If you have a Sapphire or Ink Preferred, you can combine points from no-annual-fee Freedom/Ink cards and then transfer out at 1:1. Eligible

You don’t need a pricey add-on to call home. MVNOs run on the same big towers (AT&T, T-Mobile, Verizon), but the plans are lighter and the international options are better. Here’s how I’d pick. What’s an MVNO (quick) They rent network access from a major carrier. You still use the same signal. You just pay

By Karl • The Cards Guy Holiday carts get big fast—TVs, laptops, toys, flights. If you’re going to spread costs, do it in a way that keeps protections and avoids surprise interest. Here’s the quick verdict and the details you actually need. The Cards Guy Take (TL;DR) Safest overall: A 0% intro APR purchase card

Last updated: October 5, 2025 Citi splits ratios by card. Premium cards (Strata Premier/Elite) usually get 1:1. No‑annual‑fee cards often get ~30% worse ratios (e.g., 1:0.7). Emirates is 5:4. Current transfer bonuses From To Bonus Ends Citi ThankYou Turkish Miles&Smiles 50% bonus Oct 18, 2025 Citi ThankYou Avianca LifeMiles 25% bonus Oct 18, 2025  

Last updated: October 5, 2025 Big roster, frequent bonuses. Emirates transfers are 5:4 (since Sept 16, 2025). Transfers to U.S. airlines (Delta/JetBlue) trigger Amex’s small excise fee. Hawaiian ended June 30, 2025. Core notes Most transfers are instant; a few take up to ~48 hours. Excise fee: $0.0006 per point (max $99) for U.S. airlines.

By Karl • The Cards Guy Heading back to campus this fall or prepping for holiday shopping means managing tight budgets, unexpected expenses, and the start of your credit-building journey. The right student credit card can help you earn rewards, avoid fees, and build a solid credit history. Here are my top picks for October

The thought of applying for a business credit card can feel daunting. You’re building a business, and the last thing you need is a complicated application process filled with jargon and uncertainty. Many entrepreneurs worry: Do I have the right documents? Is my business too new? Will this hurt my personal credit score? These are

Stepping into the world of credit can feel both exciting and intimidating. Choosing your first credit card is a significant financial step, but it’s often clouded by confusing jargon and the fear of making a mistake. How do you know which card is right for you? What do terms like APR and credit limit even

Juggling multiple credit card due dates can feel like a high-stakes financial game where one small slip-up results in late fees and a hit to your credit score. In a world of competing financial obligations, it’s easy to miss a payment, but the consequences can be long-lasting. Fragmented advice and partial solutions often leave you