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By Karl • The Cards Guy Between Black Friday lightning deals and last-minute gift runs, things go wrong: packages vanish, toys arrive broken, return windows slam shut. The good news? The right credit card can cover you with purchase protection, extended warranty, return protection, cell phone coverage, and strong dispute rights—often at no extra cost. […]

US Mobile is the MVNO I point to when someone wants choice and value. You can pick the best underlying network for your area (Warp = Verizon, Light Speed = T‑Mobile, Dark Star = AT&T), switch if coverage changes, and get real travel features on higher tiers. The new Business plans are the big story

If you’ve been stockpiling points, October is one of those months where they stretch further—but only if you already see seats you can book. Below are the live bonuses, the fastest ways to use them, one setup that makes Avios far more flexible, and two tools that make finding award space way easier. What’s live

Here’s where we turn strategy into a setup. I’m not just listing brands; I’m telling you what to pair and why. Best combos (2025) Combo Plan Card Why this works One plan to do it all (calls + travel) US Mobile Unlimited Premium AmEx Business Platinum Plan covers daily life + real roaming; card gives

While there are many premium travel rewards credit cards offered, the American Express Platinum is one of the oldest and most well known. Now, American Express has revised both their Platinum Card to offer more features and benefits than ever before. Let’s take a look at what’s new, and then compare it to its greatest

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