{
  "version": 3,
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  "sourcesContent": ["import{jsx as e,jsxs as t}from\"react/jsx-runtime\";import{Link as r}from\"framer\";import*as a from\"react\";export const richText=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Advertiser Disclosure\"}),/*#__PURE__*/t(\"p\",{children:[\"Pointwise is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as \",/*#__PURE__*/e(r,{href:\"http://milevalue.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue.com\"})}),\". This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit \",/*#__PURE__*/e(r,{href:\"http://americanexpress.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"americanexpress.com\"})}),\" to learn more.\"]}),/*#__PURE__*/e(\"h1\",{children:\"Introduction: Are Credit Cards A Scam?\"}),/*#__PURE__*/e(\"p\",{children:\"We take it for granted that credit cards are part of our daily life, but that hasn\u2019t always been the case. I\u2019m not talking about pre-1958, when the BankAmericard was launched by bank of America as the world\u2019s first credit card, but as recently as 2000, it was checks that accounted for more than 40% of non-cash payments, while credit and debit cards were used for half as many transactions.\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",\"data-framer-asset\":\"data:framer/asset-reference,QKNSaNrAmEx6dGdOM7Ha5UR7g.jpeg\",\"data-framer-height\":\"449\",\"data-framer-width\":\"570\",height:\"224\",src:\"https://framerusercontent.com/images/QKNSaNrAmEx6dGdOM7Ha5UR7g.jpeg\",srcSet:\"https://framerusercontent.com/images/QKNSaNrAmEx6dGdOM7Ha5UR7g.jpeg?scale-down-to=512 512w,https://framerusercontent.com/images/QKNSaNrAmEx6dGdOM7Ha5UR7g.jpeg 570w\",style:{aspectRatio:\"570 / 449\"},width:\"285\"}),/*#__PURE__*/t(\"p\",{children:[\"Today, the story is much different. In 2021, card payments \",/*#__PURE__*/e(r,{href:\"https://www.federalreserve.gov/paymentsystems/fr-payments-study.htm#:~:text=With%20157.0%20billion%20payments%20in,of%20noncash%20payments%20by%20number.\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"accounted for a whopping 77% \"})}),\"of non-cash payments. And with a much bigger share of the market, credit cards suddenly seem far more sinister.\"]}),/*#__PURE__*/e(\"p\",{children:\"Here\u2019s what it looks like: Credit cards give you rewards, so consumers are convinced to get credit cards. Merchants want consumers to shop at their store, so they\u2019re forced to pay the credit card processing fees (around 3%). Because almost everyone is using a credit card, merchants then raise prices by about 3% to make up for the 3% they\u2019re paying in fees. This costs consumers billions of dollars a year because everything costs 3% more than it should, just so credit card companies can collect their fees from the average American.\"}),/*#__PURE__*/e(\"p\",{children:\"Congressmen on both sides of the political spectrum are pushing a shiny new bill called the Credit Card Competition Act (CCCA), which will force credit card companies to allow multiple payment networks to be used on any given card.\"}),/*#__PURE__*/e(\"p\",{children:\"As it stands today, if a merchant accepts a Chase Visa card, they\u2019re stuck paying Visa\u2019s transaction fees. The idea is that by forcing each credit card issuer, like Chase, to allow more than one payment network on each credit card, there will be more competition among the payment networks to lower their transaction fees (because the merchant will just pick the cheaper one), causing the transaction fees to go down, and ultimately saving consumers around 3% on everything.\"}),/*#__PURE__*/e(\"h2\",{children:\"The Credit Card Competition Act: The Real Scam\"}),/*#__PURE__*/e(\"p\",{children:\"If it were that easy to save consumers 3% on everything, then I\u2019d be all for it, but the truth is that this line of thinking is wrong on 2 critical levels:\"}),/*#__PURE__*/e(\"ol\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"The Credit Card Competition Act \",/*#__PURE__*/e(\"em\",{children:\"actually reduces competition and choice for consumers\"}),\". It only increases competition and choice for the merchants.\"]})})}),/*#__PURE__*/e(\"p\",{children:\"Consumers, who today can choose between any one of thousands of credit cards with a huge selection of perks and rewards, will be left to choose from only basic cards that offer the same miniscule rewards and benefits that European credit cards do (since credit card transaction fees are capped in much of Europe). If that were the cost of reducing the price of everything by 3% then it might be worth it, but that couldn\u2019t be further from the truth.\"}),/*#__PURE__*/t(\"p\",{children:[\"A \",/*#__PURE__*/e(r,{href:\"https://laweconcenter.org/resources/the-effects-of-price-controls-on-payment-card-interchange-fees-a-review-and-update/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"white paper published by the International Center for Law & Economics\"})}),\" analyzed legislation like the CCCA that was passed in different countries around the world, and found the following results (it\u2019s worth reading this section in its entirety):\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/t(\"blockquote\",{children:[/*#__PURE__*/t(\"p\",{children:[\"\u201C\",/*#__PURE__*/e(\"strong\",{children:\"One of the primary justifications made by legislators and regulators for introducing caps on interchange fees\"}),\" is that these fees drive up the merchant discount rate [the fees a merchant pays to accept a payment type], which in turn leads merchants to raise the prices of goods and services offered to consumers. For example, an oft-cited 2010 study estimated that low-income U.S. households pay on average an additional $21 per year on goods and services due to credit-card interchange fees and card rewards. To arrive at this number, the study \",/*#__PURE__*/e(\"strong\",{children:\"assumed that interchange fees are fully passed through to consumers in the form of higher prices.\"})]}),/*#__PURE__*/t(\"p\",{children:[\"\u201CHowever, the only reason the overwhelming majority of merchants would pass on all cost savings is that they believe their consumers would otherwise buy their goods and/or services elsewhere\u2014in other words, it assumes the merchants have zero market power. While that might be true for retailers of gasoline and diesel, it is unlikely to be true for retailers of less homogenous goods and services. Most retailers have some degree of pricing power because of the idiosyncratic nature of the products they sell and the way in which they are sold (which can include factors such as location, expertise of the staff, the way products are displayed, among others). Indeed, the evidence for cost passthrough in general indicates that, while cost increases are often passed through at rates of around 90%, \",/*#__PURE__*/e(\"strong\",{children:\"cost decreases are typically passed through at much lower rates.\"})]}),/*#__PURE__*/t(\"p\",{children:[\"In addition, a \",/*#__PURE__*/e(\"strong\",{children:\"100% pass-through rate would imply that merchants would reap none of the benefit from a reduction in interchange fees. As such, they would have no incentive to lobby for such a change.\"}),\" Since some merchants do lobby for reduced interchange fees, it seems highly likely that they enjoy some degree of pricing power in their given markets and are thus able to pass through less than 100% of the reduction in interchange fees.\"]})]}),/*#__PURE__*/e(\"p\",{children:\"In short, when legislation like the CCCA have passed in other countries, they haven\u2019t reduced prices by nearly as much as they were advertised to. Instead, merchants largely charge the same amount, and keep the extra money for themselves, either as extra profit or to invest more in their business. Regardless, this money currently ends up with the consumers in the form of rewards, but with the CCCA, it would end up with the merchants.\"}),/*#__PURE__*/t(\"p\",{children:[\"This is why lobbying groups like the National Retail Federation (NRF), who represent retailers (aka merchants), so strongly support the CCCA. They \",/*#__PURE__*/e(r,{href:\"https://nrf.com/blog/learn-truth-about-credit-card-competition-act\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"say things\"})}),\" like \",/*#__PURE__*/e(\"em\",{children:\"\u201CEvery time a card is swiped, a Wall Street bank profits off small businesses and consumers\u201D\"}),\". The key to figuring out if they\u2019re being honest is by looking at the data. As we\u2019ve discussed, the data tells a different story. Here\u2019s what a more accurate headline would say: \",/*#__PURE__*/e(\"em\",{children:\"\u201CEvery time a card is swiped, a Wall Street bank gives the consumer a roughly 2% discount off the purchase price, and keeps roughly 1% as their reward for doing that. The retailers and merchants are out 3%\u201D\"})]}),/*#__PURE__*/t(\"p\",{children:[\"When you realize that the NRF works for retailers/merchants, it becomes painfully obvious what they\u2019re trying to do: \",/*#__PURE__*/e(\"strong\",{children:\"fight for the retailers, not the consumers\"}),\": they would have no incentive to get this bill passed if retailers actually passed all the savings onto the customer, since then the bill wouldn\u2019t have any positive effect on retailers.\"]}),/*#__PURE__*/t(\"p\",{children:[\"While you can make the argument that I\u2019m biased because Pointwise is compensated by the bank when people open credit cards from our links, \",/*#__PURE__*/t(\"em\",{children:[\"our whole business model depends on us earning \",/*#__PURE__*/e(\"strong\",{children:\"you\"}),\" the most money possible\"]}),\", so you trust us and keep coming back*.* The NRF\u2019s business model is to earn the retailers and merchants as much money as possible, so they keep paying them membership fees.\"]}),/*#__PURE__*/e(\"h1\",{children:\"The Truth: Credit Cards. A Brilliant Win-Win.\"}),/*#__PURE__*/e(\"p\",{children:\"There\u2019s one more critical error in the line of thinking that lowering credit card fees is good for consumers:\"}),/*#__PURE__*/e(\"ol\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"The entire credit card ecosystem \",/*#__PURE__*/e(\"em\",{children:\"actually creates value\"}),\" for everyone involved.\"]})})}),/*#__PURE__*/e(\"p\",{children:\"You might think that\u2019s impossible because of the fees added, but once we address the incentives for the four participants in the ecosystem (merchants, consumers, credit card companies, airlines and hotels), you\u2019ll realize quickly that it really is best for everyone, even those merchants who are lobbying hard to eliminate these fees. Let\u2019s start with them\"}),/*#__PURE__*/e(\"h3\",{children:\"The Merchants\"}),/*#__PURE__*/e(\"p\",{children:\"Merchants are in the business of selling stuff or services. They profit when more people buy their stuff. They reason they put up with credit card fees today is because they know it generates more business for them than they\u2019d have if they didn\u2019t accept credit cards.\"}),/*#__PURE__*/t(\"p\",{children:[\"Merchants also benefit from the more predatory side of credit cards: about \",/*#__PURE__*/e(r,{href:\"https://www.lendingtree.com/credit-cards/study/credit-card-debt-statistics/#:~:text=Federal Reserve data showed that,when that rate was 50%25.\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"40% of credit card users\"})}),\" had credit card debt at some point last year. Had those people not had credit cards, they would have purchased fewer things, and merchants would be worse off. The credit card companies are therefore providing a service of real positive value to merchants by expending consumers easy-to-access credit. If at any point credit cards weren\u2019t profitable for merchants to accept, they just wouldn\u2019t accept them. No one\u2019s forcing them to. But they\u2019ve made the decision that accepting the payment forms that consumers like, and that gives consumers access to more money to spend at their stores, is actually a net positive for their business.\"]}),/*#__PURE__*/t(\"p\",{children:[\"So why are they lobbying against credit cards? If you look at what they\u2019re lobbying for, they\u2019re actually \",/*#__PURE__*/e(\"strong\",{children:\"not\"}),\" lobbying against credit cards. They\u2019re lobbying in favor of effectively forcing credit cards to lower their fees . In other words, they know credit cards help their business, they just don\u2019t want to pay for them if they don\u2019t have to. And if they can spend some money on lobbying to convince the government that credit card fees increase prices for consumers, then they\u2019ll happily take the extra money and not pass it back down to the consumer, as studies mentioned above have shown.\"]}),/*#__PURE__*/e(\"p\",{children:\"Make no mistake: credit cards help merchants more than they harm them, or they wouldn\u2019t accept them. Credit cards, as they are today, are a net positive for merchants.\"}),/*#__PURE__*/e(\"h3\",{children:\"Consumers\"}),/*#__PURE__*/t(\"p\",{children:[\"Consumers benefit the most from credit cards. Using the right credit cards when checking out (see \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\" to find your best card), a consumer can easily earn 2-5% back on every transaction of theirs, which is often more than the merchant even paid for the transaction! And because many of these rewards come in form of points that can transfer to hotels and airlines, if you use the points correctly, it\u2019s not uncommon to get 2 cents per point instead of 1, earning you 4-10% on every transaction.\"]}),/*#__PURE__*/e(\"p\",{children:\"Granted, it\u2019s not easy to do that, but it\u2019s getting easier by the day. Tools are coming out every month making it easier to earn the most points on the spending you\u2019re already doing, and making it easier to redeem those points for maximum value. If you don\u2019t believe me, I\u2019m happy to personally help you find great uses for your points. Just download Pointwise, and once you go through the onboarding, head to your profile and click on \u201CCall a Founder.\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"We\u2019ll get into how it\u2019s possible that this phenomenon exists shortly, but the fact of the matter is:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Consumers can easily earn at least 2% back on every transaction, which is more than the merchants would discount prices if credit card processing fees were lowered.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Consumers can often earn more in value than the credit card processing fees even cost the merchant, actually creating new value for the consumer.\"})})]}),/*#__PURE__*/e(\"h3\",{children:\"Credit Card Companies\"}),/*#__PURE__*/e(\"p\",{children:\"This category consists of everyone from credit card issuers (Chase, Bank of America, etc), to credit card networks (Visa, Mastercard, etc) and credit card-issuing fintechs (Bilt, Robinhood, etc), each of whom benefits from the ecosystem in slightly different ways.\"}),/*#__PURE__*/t(\"p\",{children:[\"Where they all benefit is from the credit card processing fees charged at the point-of-sale. This is charged to the merchant, not the consumer, and the merchant\u2019s recognize that it\u2019s worth it for them or they wouldn\u2019t pay it, and consumers can easily have most of that fee passed down to them by \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"using the right card\"})}),\", which is more than the merchant would pass down to them if these fees were lower. Not all of these fees go back to the consumer, and what\u2019s left over is kept by these middle-men,\"]}),/*#__PURE__*/e(\"p\",{children:\"But let\u2019s not forget that even with what\u2019s left over, the credit card companies still foot the bill whenever there\u2019s fraud, not the consumer, and have other costs as well. They\u2019re making money, as they should because they\u2019re operating an ecosystem that benefits everybody involved, but they\u2019re not making 3% on every transaction, not even close.\"}),/*#__PURE__*/e(\"p\",{children:\"The credit card issuers and card-issuing fintechs also benefit from three other sources of revenue:\"}),/*#__PURE__*/e(\"ol\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Annual fees and late fees charged to the consumer\"})})}),/*#__PURE__*/e(\"p\",{children:\"Annual fees are only charged if your credit card charges an annual fee, and you, as a consumer, should only pay those if you get more value than the annual fee in return. Late fees can be avoided by setting up autopay, which I highly recommend.\"}),/*#__PURE__*/e(\"ol\",{start:\"2\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Interest payments from the consumer\"})})}),/*#__PURE__*/e(\"p\",{children:\"You\u2019re only billed for interest if you don\u2019t pay off your credit card in full every month, which should almost never be the case.\"}),/*#__PURE__*/e(\"ol\",{start:\"3\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Cross-selling other products to the consumer\"})})}),/*#__PURE__*/e(\"p\",{children:\"This is another way credit cards benefit everyone involved. By offering advantageous terms on a credit card, a company can entice you to become a customer of theirs, and then introduce you to their other products, and you can decide if you\u2019d like them. Regardless, you get the advantageous terms on the credit card regardless.\"}),/*#__PURE__*/e(\"p\",{children:\"Credit card companies do benefit from this system, but a large portion of their fees go right back to the consumer\u2019s pocket, and a large portion of their fees can be easily avoided. What they keep, they deserve, because they\u2019ve created an ecosystem that benefits everybody involved. They are not bad guys on Wall Street taking advantage of you, like the merchant lobbies would have you think: they\u2019re providing positive value to every type of stakeholder they interact with.\"}),/*#__PURE__*/e(\"h3\",{children:\"Airlines & Hotels\"}),/*#__PURE__*/e(\"p\",{children:\"One of these things is not like the other - and between credit card companies, merchants, and consumers - airlines and hotels are the misfit of the group. What are they doing in this ecosystem other than their role as just another merchant? The answer is that airlines and hotels are the symbiotic key that makes it possible for consumers to earn more value in rewards than merchants pay in transaction fees, due to a simple concept called price discrimination.\"}),/*#__PURE__*/t(\"p\",{children:[\"My AP econ teacher, \",/*#__PURE__*/e(r,{href:\"https://en.wikipedia.org/wiki/Arnold_Kling\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Dr. Arnold Kling\"})}),\", had a saying he loved: \u201C\",/*#__PURE__*/e(\"em\",{children:\"Price discrimination explains everything.\u201D\"}),\" Airlines and hotels, and their relationship to the credit card world, could not be explained better by any other concept.\"]}),/*#__PURE__*/e(\"p\",{children:\"As many of you know, airlines and hotels often have partnerships with credit card rewards programs that enable points to be transferred, often at a 1:1 ratio, from the credit card\u2019s points currency to that of the airline or hotel. Using the credit card points currency directly for cash back, or even travel, is often only worth 1 cent per point, but Airline and hotel points can frequently be used for closer to 2 cents per point, and sometimes even higher. Sometimes these points which technically have a \u201Ccash value\u201D of 1 cent per point can be transferred to an airline for a business or first class flight at a value of 5-10 cents per point, which is worth several times what the credit card company collected in fees from the transactions that earned you those points!\"}),/*#__PURE__*/e(\"p\",{children:\"These redemptions are made available by the airlines and hotels because they think it\u2019s unlikely they\u2019ll sell those same seats or rooms to a cash buyer, so instead of letting it stay empty and they\u2019ll earn nothing, they\u2019re okay earning something and having someone stay there. But they have a problem: who do they give these discounted rates to? Lowering the price of the tickets or room would cost them more revenue than it would earn them because most last-minute bookings are people who really need to get where they\u2019re going, so they\u2019re willing to pay more. Discounting their rate would just be costing the airline or hotel money because they\u2019re willing to pay the full rate! Furthermore, the airline or hotel can probably get away with charging them even more, because their dates are less flexible and they have to go there. That\u2019s why cash prices for airlines and hotels tend to go up the closer you are to the date of the booking. So the airlines and hotels need a way to get something from the unsold inventory, without lowering the prices for the last-minute, largely business travelers, who are willing to pay more. And that\u2019s where points redemptions come in.\"}),/*#__PURE__*/e(\"p\",{children:\"Being able to have one price for points and one price for cash means that they can offer a more attractive points rate because they know people are looking for those deals, but they can keep the cash rate high in case someone comes along willing to pay that. By booking with points, you\u2019re signaling to the airline or hotel that you\u2019re a less-urgent, more flexible customer who\u2019s very price sensitive, so they\u2019ll set the points value at whatever they can to make sure the booking is filled by someone. By booking with cash, you\u2019re signaling that you\u2019re a less flexible, less price sensitive customer who\u2019s willing to pay whatever it takes to get on that flight, so they charge them much more. This is called price discrimination.\"}),/*#__PURE__*/e(\"p\",{children:\"It also helps the airlines and hotels maintain their brand value. If a first class, Delta One seat from NYC to London costs $4,000 cash, they don\u2019t want to publicly offer it for $500, since then people will wait to book it when the price goes down, and they\u2019re less likely to ever think it\u2019s ever worth the $4,000. But if they let you book it for 50,000 points, which you can transfer from many American Express credit cards, now you\u2019ve paid $500 worth of points for a $4,000 ticket. It\u2019s okay if you think it was never worth $4,000, because you\u2019re not the type of person that would ever pay the $4,000. They just can\u2019t lower the list price so that the people who would pay $4,000 don\u2019t think it\u2019s a $500 flight.\"}),/*#__PURE__*/e(\"p\",{children:\"Not to mention Delta, in all likelihood, won\u2019t even get $500 from American Express when you transfer 50,000 to book that flight. That\u2019s because credit card issuers have deals with these airlines to purchase a minimum number of points from them over the course of a year, which guarantees the airline or hotel revenue. In exchange for that high minimum order, the airline or hotel gives the credit card issuer a discount on the points, so they usually aren\u2019t paying a full 1 cent per point for a Delta point. This is how they can afford to give us all these points back and still make so much money. 2% for us might only cost the credit card issuer a small fraction of that because of these deals.\"}),/*#__PURE__*/e(\"p\",{children:\"Those of who who fly Delta are probably shouting at your screen right now, pointing out that you can\u2019t actually book that flight with Delta for 50,000 points. That\u2019s true. And that\u2019s just more price discrimination. Delta is popular enough that enough people look to book flights on Delta with points, that they don\u2019t discount their own bookings that much with points. But they still want to fill the plane, so they open cheaper redemption options to their airline partners, so that they can offer the cheaper tickets without diluting their brand. The ~50,000 point offer only exists when they need to lower the price that much, and they offer it through Virgin or KLM: so you transfer your points to Virgin or KLM, and book the Delta One flight there. This way, the countless people who look at Delta\u2019s points pricing won\u2019t see the discounted prices, and their brand won\u2019t be diluted. So by booking through a 3rd party, they know you\u2019re an even more sophisticated deal hunter, so they\u2019re willing to give you a lower price, because you would never pay more. Once again, price discrimination.\"}),/*#__PURE__*/t(\"p\",{children:[\"There are entire blogs and \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"companies\"})}),\" devoted to helping you earn and redeem points for maximum value, but the takeaway you should get from this section is that it makes perfect sense how consumers can get more value from credit cards than it cost the merchant in credit card fees, thanks to airline and hotel partners.\"]}),/*#__PURE__*/e(\"h1\",{children:\"In Conclusion\"}),/*#__PURE__*/e(\"p\",{children:\"Credit cards, as they are today, without the CCCA, epitomizes a real, symbiotic relationship where everyone does better because credit cards exist:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Merchants do better because more people buy their stuff, and those people don\u2019t have to worry about fraud while doing so.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"Consumers do better because they can easily earn 2% back on everything (and in many cases way more), which would not trickle down to them if credit card processing disappeared. Just remember to pay off your cards in full every month, and make sure you\u2019re using \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"the cards that are best for you\"})}),\".\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Credit card companies do better because they make whatever\u2019s left over after they\u2019ve given the consumers all their rewards. They compete with all the other credit card issuers on who can give the consumer the best rewards. That\u2019s the most important competition in this industry, and it most certainly is not a monopoly, like the NRF wants you to think.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Airlines and hotels do better because they\u2019re able to sell their unsold inventory at a steep discount, but for much more than $0, without hurting their brand.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Today\u2019s credit card industry is a real win-win-win-win.\"}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or endorsed by any of the organizations mentioned.\"})]});export const richText1=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Advertiser Disclosure\"}),/*#__PURE__*/t(\"p\",{children:[\"Pointwise is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as \",/*#__PURE__*/e(r,{href:\"http://milevalue.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue.com\"})}),\". This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit \",/*#__PURE__*/e(r,{href:\"http://americanexpress.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"americanexpress.com\"})}),\" to learn more.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Introduction\"}),/*#__PURE__*/e(\"p\",{children:\"More than 4,000 credit cards are available in the US, but realistically, you can only get a small fraction of them. Correctly choosing one card over 3,999+ other cards is time consuming, overwhelming, and difficult, if not impossible.\"}),/*#__PURE__*/e(\"p\",{children:\"Each card might have a unique welcome offer, different categories that give elevated earning rates, different credits to help offset an annual fee, a different annual fee, and not to mention each credit issuer has their own application rules that can impact the order in which you should apply for cards and whether or not you\u2019re even eligible for them.\"}),/*#__PURE__*/e(\"p\",{children:\"Needless to say, it\u2019s not easy.\"}),/*#__PURE__*/e(\"h2\",{children:\"How People Currently Choose Cards\"}),/*#__PURE__*/e(\"p\",{children:\"You\u2019d be surprised to learn how little research goes into such a complicated decision for most people. Most people don\u2019t do very much research when deciding which credit card to get.\"}),/*#__PURE__*/e(\"p\",{children:\"The most common answers people give me when I ask them how they chose to get their current credit cards are some variation of the following:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"\u201CI fly this airline a lot, so I thought I should get their card to get their miles and status.\u201D\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"\u201CI asked my friend//relative which credit card I should get, and they\u2019re really into credit cards, so I took their advice.\u201D\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"\u201CI saw a high welcome offer for this card, so I just got it.\u201D\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"\u201CI shop at this store a lot, and at checkout they said I\u2019d save 10% if I got this card! Such a good deal, right!?\u201D\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"\u201CI spend a lot in this category, and this card gives me 3x back in this category, so I got it.\u201D\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Let\u2019s take a deeper look at each of those responses:\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"p\",{children:\"\u201CI fly this airline a lot, so I thought I should get their card to get their miles and status.\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"This answer sometimes makes sense, but most of the time it highlights the lack of knowledge most people have about credit cards. That\u2019s because of two reasons:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Most people who fly an airline a lot still don\u2019t fly that airline enough to get status from their flights alone.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"The cheapest way to book most airlines with miles, especially US airlines, is not with that airline\u2019s own miles, but by transferring points from major credit card issuers (Chase/American Express/ Etc.) to one of that airlines\u2019 partners, and by booking it in the partner airline\u2019s points currency.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"On occasion, if you\u2019re someone who travels with a big family, and routinely checks many bags, or you\u2019re a consultant who travels the same route weekly for work, then the airline specific cards might make sense as one of your first cards. But for most people, airline specific cards are not worth considering until you\u2019re much further along in your credit card journey.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"p\",{children:\"\u201CI asked my friend//relative which credit card I should get, and they\u2019re really into credit cards, so I took their advice.\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"When I hear this answer, I know their head\u2019s in the right place. They know credit cards can be a great source of rewards, and they\u2019ve expressed a desire to earn them, they just also admit they don\u2019t know how to yet. So they do what works in most other areas of life - they ask an expert.\"}),/*#__PURE__*/e(\"p\",{children:\"The problem here is that many of the average person\u2019s friends and relatives who claim to know a lot about credit cards don\u2019t know as much as they think, leading to less than optimal advice. There are more than 4,000 credit cards, hundreds of which are fairly popular, and most people who are self-proclaimed credit card enthusiasts can\u2019t name 30 of them. This means they end up recommending the same small handful of cards, which make sense to them based on their relatively limited knowledge of the options available, but are not nearly as good as an all-knowing expert or advisor.\"}),/*#__PURE__*/e(\"p\",{children:\"There are those who do sincerely know a lot about credit cards, and their advice would be much better than average, but they don\u2019t see your spending patterns, so even if they know credit cards perfectly, they only know half of the equation: your spending patterns are equally as important.\"}),/*#__PURE__*/e(\"p\",{children:\"There\u2019s also more than one way to skin the credit card cat: there are several different strategies and everyone prioritizes things slightly differently. We\u2019re a very opinionated community, and that credit card expert you know can be prone to projecting their own preferences and opinions on what to focus on onto you - even if that doesn\u2019t make sense for your personal spending patterns and goals.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"p\",{children:\"\u201CI saw a high welcome offer for this card, so I just got it.\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"Believe it or not, this is the answer that makes the most sense of those we\u2019ve gone over so far. That\u2019s because welcome offers usually account for so many more points than you\u2019d get from using the card to actually buy things once you\u2019ve qualified for the welcome offer already.\"}),/*#__PURE__*/e(\"p\",{children:\"Think of this simple example:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"One card has no welcome offer, but gives you 1x back on everything\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Another card has a $500 welcome offer, but gives you 0x back on everything\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Now assume you spend $2,000/month on the card. After one year, the first card will earn you $240 worth of rewards (1x back on $24,000), while the second card will earn you $500 in rewards after one year. It takes more than 2 years without getting any other cards for the first card to be more valuable than the second card. But if you get more than 1 card every 2 years, if that card has a welcome offer, it will take even longer for the first card to be worth getting.\"}),/*#__PURE__*/t(\"p\",{children:[\"Now what if I told you that first card is actually close to one of the most popular credit cards out there: the \",/*#__PURE__*/e(r,{href:\"https://creditcards.wellsfargo.com/bilt-rewards-credit-card/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Wells Fargo Bilt Mastercard\\xae\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"It earns 1x back on rent, but because it has no welcome offer, it\u2019s not nearly as attractive as people make it out to be. Assuming that $2,000/month is your rent payment, the Bilt card rarely makes sense as your next card if you\u2019re open to opening more than 1 card every 2 years.\"}),/*#__PURE__*/e(\"p\",{children:\"This is all to say - getting a card because it has a high welcome offer is one of the smartest reasons to get a card, without having to learn that much about credit cards, but it\u2019s still far from perfect.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"p\",{children:\"\u201CI shop at this store a lot, and at checkout they said I\u2019d save 10% if I got this card! Such a good deal, right!?\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"We\u2019re going right from one of the best reasons to open a new card to one of the worst. If welcome offers are such a valuable source of rewards, then what\u2019s the welcome offer on all of these store branded credit cards? In this example, it\u2019s 10% of whatever your purchases is. If you\u2019re spending thousands of dollars in this one purchase than perhaps that\u2019s a great deal, but if you\u2019re spending $1,000 or less on the transaction, you\u2019re essentially getting a welcome offer of less than $100, which is lower than almost every other welcome offer out there.\"}),/*#__PURE__*/e(\"p\",{children:\"Not to mention these cards usually aren\u2019t great for spending outside of that specific store, so unless you already have a solid foundation of cards in your wallet for all your other purchases, it rarely makes sense to make the store-branded card your next card.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"p\",{children:\"\u201CI spend a lot in this category, and this card gives me 3x back in this category, so I got it.\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"This makes sense if you want a \u201Cset it and forget it\u201D strategy. That means if you want to get a small handful of cards and only use those cards, never opening any new ones, then this is the way to go: you figure out how many cards you\u2019re willing to open, you get 1 general card (most likely a 2% back card), and then you take your highest spending categories and the cards that offer 3-5x back on those categories, and keep getting those cards until you\u2019ve hit the amount of cards you\u2019re willing to get in total.\"}),/*#__PURE__*/e(\"p\",{children:\"Most people do some version of this unintentionally, and might pick up a restaurant card if they notice they don\u2019t have one yet, for example. The problem with this strategy is twofold:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Beyond food and gas, it\u2019s not obvious which categories you should prioritize. Should you get a card that gives you 5X back on your phone bill that you know you have every month, or 5X back on travel that costs way more than your phone bill, but you only take 1 vacation a year? While this setup is meant to be one-time, simple, and easy, getting it right is not as easy as it looks.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"For very little effort, you can usually earn far more points. That\u2019s because, like we\u2019ve discussed, welcome offers are far more valuable than what you\u2019d earn on most standard transactions.\"})})]}),/*#__PURE__*/e(\"p\",{children:\"This means if you plan on having a 5 card setup, if you can get 5 welcome offers each worth $500, that\u2019s $2,500 of value. Assuming those cards each earn nothing on other purchases, which will not be the case, and that you can average 3X back by focusing on categories, then you\u2019d need to spend $83,334 on credit cards to earn more with that setup than from the welcome offer path.\"}),/*#__PURE__*/t(\"p\",{children:[\"Assuming the high welcome offer cards earn you an average of 2X on all eligible purchases - for example, if one of them is the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/venture-x/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Capital One Venture X Rewards Credit Card\"})}),\" - then you\u2019re really only earning an extra 1X back from focusing on categories over welcome offers. That means you\u2019d need to spend more than $250,000 on credit cards to make the category setup more profitable than the welcome offer setup.\"]}),/*#__PURE__*/e(\"p\",{children:\"But even the welcome offer strategy leaves many questions left unanswered:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Which welcome offers should you prioritize?\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"How often should you open a new card?\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Should I ever get cards that focus on categories?\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Which points currencies are most valuable?\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Is there a special order that I have to get the cards in?\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"How do I make sure I only get cards that I\u2019ll naturally hit the welcome offer for, without increasing my spending and getting myself into debt?\"})})]}),/*#__PURE__*/e(\"p\",{children:\"This leads us to the next part of our conversation.\"}),/*#__PURE__*/e(\"h2\",{children:\"How to Choose the Right Card\"}),/*#__PURE__*/e(\"p\",{children:\"Once you\u2019ve decided you want to choose the right card, that you know there are thousands of dollars worth of benefits out there each year for most people if they just get these few choices right, then we can talk about how to make sure you get it right.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s a hard question because there are so many different cards out there, because only you actually know your spending patterns, and because each credit card issuer has different rules that aren\u2019t obvious when you\u2019re just reading the card\u2019s marketing page. This means there are really only 2 ways to reliably get this right:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"You become a credit card expert yourself because then you\u2019ll know about all the cards, and you\u2019ll know about your personal spending and preferences, and you\u2019ll be able to guide yourself accordingly. There are many excellent resources for this online, from blogs to YouTube channels and everything in between. You might even enjoy it - many of us do - but know that this is now turning away from purely a quick personal finance choice and into a time-sucking hobby.\"})}),/*#__PURE__*/t(\"li\",{\"data-preset-tag\":\"p\",children:[/*#__PURE__*/t(\"p\",{children:[\"You let \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\" do it for you. As a shameless but relevant plug, Pointwise is an app we created specifically to solve this problem. To give people who don\u2019t want to become credit card experts a way to easily know which credit cards to get and when, based on their actual spending and preferences. The concept is simple:\"]}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"You take a 2 minute onboarding quiz telling us your credit card goals and preferences\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"You connect your existing credit and debit card accounts so we can analyze your spending patterns\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"We compare your actual spending patterns and preferences to the different benefits offered from almost every card available, enabling us to tell you which credit cards to get and when to get them. Our algorithm also knows each of the rules that credit card issuers have, like Chase\u2019s famous 5/24 rule, so we take into account each of those as part of our recommendations.\"})})]})]})]}),/*#__PURE__*/e(\"h2\",{children:\"In Conclusion\"}),/*#__PURE__*/e(\"p\",{children:\"Choosing the right credit card doesn't have to be a daunting task. By understanding your spending habits, considering essential factors, and utilizing apps like Pointwise, you can easily find the cards that reward you most for spending the way you naturally do.\"}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or endorsed by any of the organizations mentioned.\"})]});export const richText2=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Advertiser Disclosure\"}),/*#__PURE__*/t(\"p\",{children:[\"Pointwise is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as \",/*#__PURE__*/e(r,{href:\"http://milevalue.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue.com\"})}),\". This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit \",/*#__PURE__*/e(r,{href:\"http://americanexpress.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"americanexpress.com\"})}),\" to learn more.\"]}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Dear Dave,\"}),/*#__PURE__*/e(\"p\",{children:\"I\u2019ve been an avid follower of yours for as long as I can remember. I remember you for your common-sense, no-nonsense personal finance advice that gives the average person a realistic pathway to wealth in their lifetime. For that, I and so many others are eternally grateful.\"}),/*#__PURE__*/e(\"p\",{children:\"But there are chapters in the proverbial Dave Ramsey bible that seemingly stray from this tenet of helping the average person generate wealth, and instead they\u2019re blamed for living their best possible life in a financially sound way.\"}),/*#__PURE__*/e(\"p\",{children:\"I\u2019m speaking of course about credit card points and airline miles, and your infamous shunning of them both. The goal of personal finance is to help you live the best life you can afford, which is what you\u2019ve been helping people do your whole career. Credit cards enable people, who otherwise would never be able to afford it, to fly in first class and stay at 5 star hotels for almost free. Yet you aren\u2019t happy for them. You don\u2019t help them do it the right way. You scold them. All while hiding behind the word \u201Cdebt\u201D as an excuse to lie about the benefits of credit cards and never have a real conversation about their pros and cons. It\u2019s time someone addressed it.\"}),/*#__PURE__*/e(\"p\",{children:\"I\u2019m happy to have this conversation with you, but for now, this letter will have to do.\"}),/*#__PURE__*/t(\"p\",{children:[\"Here is a transcript of a video with your thoughts on credit cards and airline miles that you posted on your Instagram page \",/*#__PURE__*/e(r,{href:\"https://www.instagram.com/reel/C5OFyycO-3w/?igsh=MW8yMTlqOGtoOTV6bQ==\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"a few months back\"})}),\":\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"p\",{children:\"\u201CI\u2019ve met with thousands and thousands of millionaires, I\u2019ve never met one who said \u201CYou know, Dave, I made my money with my airline miles. All those Discover points broke me through financially.\u201D Hey, let\u2019s do the math, okay? You know how you get $1,000 back from Discover? You spend $100,000. How does spending $100,000 to get $1,000 back ever make you rich!? Where did you take your math class!? Really!? This is absolutely ludicrous. But everyone\u2019s counting their dadgum points, and everybody\u2019s trying to figure out some way I\u2019m beatin\u2019 up on Chase. Chase is kicking your butt! Their building\u2019s bigger than yours and their furniture\u2019s nicer than yours. You aught to have a clue by now.\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"Let\u2019s dissect this sentence by sentence and go over every way you\u2019re misleading your listeners and personally disappointing the piece of me that looks up to you:\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"p\",{children:\"\u201CI\u2019ve met with thousands and thousands of millionaires, I\u2019ve never met one who said \u2018You know, Dave, I made my money with my airline miles.\u2019\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"This is the biggest false premise you make, and is clearly a strawman argument. Nobody has ever claimed that credit cards or airline miles will make you a millionaire. That\u2019s not the goal. So the fact that they haven\u2019t made anyone a millionaire is an irrelevant fact, proving nothing other than the fact that you don\u2019t understand why people like the points and miles that credit cards earn.\"}),/*#__PURE__*/t(\"p\",{children:[\"Those in the points community almost exclusively \",/*#__PURE__*/e(\"em\",{children:\"never carry a balance\"}),\" on their credit cards, and (with few exceptions in the \u201Cmanufactured spend\u201D community, which for the sake of this letter, I\u2019m not treating as part of the average credit card points community) \",/*#__PURE__*/e(\"em\",{children:\"don\u2019t change their spending at all\"}),\" based on how much credit they have access to or how many credit cards they have. If you know a specific person does not look at credit cards in this healthy way, then by all means, tell \",/*#__PURE__*/e(\"em\",{children:\"that person\"}),\" not to use credit cards, just like you\u2019d tell an alcoholic not to have a glass of wine. But that doesn\u2019t mean we go full prohibition either.\"]}),/*#__PURE__*/e(\"p\",{children:\"This means the credit card user\u2019s goal is not to become a millionaire from points and miles - their goal is to earn extra money that they otherwise wouldn\u2019t have earned on spending they\u2019re already doing, by using this piece of plastic instead of a different piece of plastic. That\u2019s it. No one is selling a get rich quick vision.\"}),/*#__PURE__*/e(\"p\",{children:\"Given that you can earn several percent back on each purchase by using my preferred piece of plastic instead of yours, your advice here is effectively recommending that all of your followers pay 2%+ more for everything than those who don\u2019t follow your advice.\"}),/*#__PURE__*/e(\"p\",{children:\"I don\u2019t need to tell you that 2% of the average American\u2019s income ($60,000 in Q4 \u201823), invested over 40 years in the S&P 500 is more than $638,500 that you\u2019re actively advising your followers not to save. It won\u2019t make you a millionaire, but it could make you 64% of one, and that\u2019s far from the most valuable way to earn and use points.\"}),/*#__PURE__*/e(\"p\",{children:\"But you don\u2019t seem to think the rewards can be nearly that high:\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"p\",{children:\"\u201C\u2019All those Discover points broke me through financially.\u2019 Hey, let\u2019s do the math, okay? You know how you get $1,000 back from Discover? You spend $100,000. How does spending $100,000 to get $1,000 back ever make you rich!? Where did you take your math class!? Really!?\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"As with the previous sentence, the only thing you\u2019re proving here, in two separate ways, is that you have no idea how credit card rewards work. Or worse, you know how they work, but you\u2019re lying about it.\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"You aren\u2019t buying $1,000 for $100,000. Not a single person in the world is telling anyone to do that. It\u2019s $1,000 you otherwise wouldn\u2019t have had, after spending $100,000 you would\u2019ve spent otherwise.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Nobody who understands credit card rewards would only earn $1,000 on $100,000 of spending.\"})})]}),/*#__PURE__*/t(\"p\",{children:[\"At a very basic level, you\u2019d at least be using a 2% back card like the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/citi-double-cash/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Citi\\xae Double Cash Card\"})}),\" and earn $2,000 instead of $1,000. However, with that much spending, someone interested in credit cards might open several cards. Perhaps some of that spending is on supermarkets, and some is on dining, and some is on travel, all categories which you can easily find cards that earn 3x back or more on. Not to mention the welcome offers from these cards can add up to thousands of dollars of value on their own, on top of the value you get from spending on the card.\"]}),/*#__PURE__*/e(\"p\",{children:\"Not to mention the value of some of these points is far greater than $0.01 per point valuation that you\u2019re implying. When redeemed properly, each point can be worth up to $0.02 to $0.10 cents each, leading to way more value than you assumed. On my honeymoon, for example, my wife and I redeemed my points for economy class airfare, saving us more than $1,000, and a 5 star hotel we\u2019d never be able to afford on our own. We ended up averaging around $0.04 per point in value on the trip.\"}),/*#__PURE__*/t(\"p\",{children:[\"Many of those points came from my spending on the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/venture-x/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Capital One Venture X Rewards Credit Card\"})}),\", which gives you 2X miles on all eligible purchases. That 2X back valued at $0.04 per point ended up being 8% cash back in value for us, and helped us go on a honeymoon that we wouldn\u2019t have been able to afford without it. Once accounting for the fact that 75,000 of those points came from a welcome offer, which was on top of the 2X back, I got closer to 20% cash back based on the value we redeemed them for.\"]}),/*#__PURE__*/e(\"p\",{children:\"For those of us in the credit card world, these numbers aren\u2019t shocking or unbelievable: they\u2019re common. The average person, without too much effort, can earn up to 8% back in terms of the value they get if the points are redeemed for maximum value. It\u2019s even more common to get $0.02 per point in value, which would earn 4% back in value. Accounting for the occasional welcome offer and common enough point redemption values, it\u2019s not unheard of to get 10% back in value on your spending over the course of an entire year with credit cards.\"}),/*#__PURE__*/e(\"p\",{children:\"Assuming someone spends $4,000 per month, this isn\u2019t spending $100,000 to earn $1,000. This is spending $0 extra to earn $5,000 extra. And that value isn\u2019t considered taxable income, so it\u2019s really worth more than that.\"}),/*#__PURE__*/e(\"p\",{children:\"By now my case should be clear: for those who are responsible and who put in a small amount of effort, you can effectively increase your income substantially, tax free, with credit card points.\"}),/*#__PURE__*/t(\"p\",{children:[\"And if you don\u2019t want to put even that much effort, you\u2019re not alone, because I felt the exact same way, which is why I cofounded \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\", an app that analyzes your spending and preferences to tell you which credit cards to get and when to get them in order to maximize your rewards.\"]}),/*#__PURE__*/e(\"p\",{children:\"But we still haven\u2019t addressed your final point, which proves beyond a reasonable doubt that you have no idea how the credit card industry works:\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"p\",{children:\"\u201CThis is absolutely ludicrous. But everyone\u2019s counting their dadgum points, and everybody\u2019s trying to figure out some way I\u2019m beatin\u2019 up on Chase. Chase is kicking your butt! Their building\u2019s bigger than yours and their furniture\u2019s nicer than yours. You aught to have a clue by now.\u201D\"})}),/*#__PURE__*/e(\"p\",{children:\"To start with this massive logical fallacy - your buildings are way bigger than my one-bedroom apartment. Your furniture is way nicer than mine. Your private jet is.. wait.. I don\u2019t have a private jet. By your logic, following your advice is kicking my butt!\"}),/*#__PURE__*/t(\"p\",{children:[\"Back to the credit card industry: the way the industry works actually can sustainably make everyone money. Believe it or not, that\u2019s why the industry exists! My AP econ teacher, \",/*#__PURE__*/e(r,{href:\"https://en.wikipedia.org/wiki/Arnold_Kling\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Dr. Arnold Kling\"})}),\", had a favorite quote: \u201CPrice discrimination explains everything.\u201D When it comes to points and miles, he\u2019s absolutely right.\"]}),/*#__PURE__*/e(\"p\",{children:\"Airlines and hotels often have more space than they\u2019re able to sell at full price, so they need a way to offer discounted pricing to some people, so they don\u2019t earn $0 from any airplane seat or hotel room. They also don\u2019t want to miss out on last-minute passengers or guests that are willing to pay full price, or perhaps a premium to it for the last minute convenience!\"}),/*#__PURE__*/e(\"p\",{children:\"So they price discriminate. They offer higher prices to those willing to pay them in cash, and they offer lower prices, quoted in points and miles, to customers like us who are looking for a deal. That\u2019s how the airlines make money here.\"}),/*#__PURE__*/e(\"p\",{children:\"We, the customers, make money because we\u2019re getting a better deal than the cash price for the same product.\"}),/*#__PURE__*/e(\"p\",{children:\"Chase, or any other issuer, also makes money by facilitating the deal. The credit card issuers promise the airlines and hotel chains that they\u2019ll purchase minimum amounts of points from them, in exchange for which the gives the credit card issuer gets a bulk discount on the points from the hotel or airline. This means that the value you\u2019re getting from your points can often equal more than the amount of transaction fees your purchases generated the credit card issuer, but the credit card issuer is still making money! Not because you were irresponsible and didn\u2019t pay it off, not because of late fees or any other fees, but because they\u2019re paying way less for the points than you or I would pay for them.\"}),/*#__PURE__*/e(\"p\",{children:\"The credit card world, when done correctly, really can be a huge win for everyone, and it\u2019s such a shame that you\u2019re so strung up on the word \u201Cdebt\u201D that you\u2019re willing to advise everyone who listens to you to leave thousands of dollars on the table every single year.\"}),/*#__PURE__*/e(\"p\",{children:\"Best,\"}),/*#__PURE__*/e(\"p\",{children:\"Ken\"}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or endorsed by any of the organizations mentioned.\"})]});export const richText3=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Advertiser Disclosure\"}),/*#__PURE__*/t(\"p\",{children:[\"Pointwise is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as \",/*#__PURE__*/e(r,{href:\"http://milevalue.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue.com\"})}),\". This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit \",/*#__PURE__*/e(r,{href:\"http://americanexpress.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"americanexpress.com\"})}),\" to learn more.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"Airlines. We know what they are. Don\u2019t we?\"})})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"We book flights, show up at the airport, and they take us where we paid them to take us. That must be how they make money: their business must be flying people places. That\u2019s why United, Delta and American Airlines make more than $150B a year. They must fly a lot of people a lot of places.\"})})}),/*#__PURE__*/e(\"p\",{children:\"Wrong.\"}),/*#__PURE__*/e(\"p\",{children:\"What if I told you airlines don\u2019t make any money from flying people places? Well, it\u2019s true.\"}),/*#__PURE__*/e(\"p\",{children:\"Let\u2019s take Delta, for example. In 2023, Delta earned $48 billion in revenue. That seems like a lot of money. I mean, that is a lot of money, but not when you account for all of their expenses. After expenses, they were \u201Conly\u201D left with $4.61 billion.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"So what do you mean that they don\u2019t make any money flying people places? $4.61 billion is still a lot of money!\"})})}),/*#__PURE__*/e(\"p\",{children:\"Yes it is, but what makes you think that money comes from flying people places? See, Delta has this deal with American Express, where American Express pays them money for the right to issue the Delta branded credit cards.\"}),/*#__PURE__*/t(\"p\",{children:[\"Some of their cards offer simple benefits, like the popular \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/gold-delta-skymiles-credit-card/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Delta SkyMiles\\xae Gold American Express Card\"})}),\" (Terms apply. \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/ratesandfees/deltagold\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Rates & fees\"})}),\"), which offers a free checked bag on Delta flights, as well as up to $100/yr in statement credits after using your Card for booking hotels/vacation rentals on \",/*#__PURE__*/e(r,{href:\"http://delta.com/stays\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"delta.com/stays\"})}),\".\"]}),/*#__PURE__*/t(\"p\",{children:[\"Others offer more luxurious benefits in exchange for much higher annual fees, like the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/delta-reserve-credit-card/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Delta SkyMiles\\xae Reserve American Express Card\"})}),\", which offers a binder full of benefits and credits in exchange for a more hefty $650 annual fee (Terms apply. \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/ratesandfees/deltareserve\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Rates & fees\"})}),\").\"]}),/*#__PURE__*/e(\"p\",{children:\"What is constant about all of them is that Delta offers these cards because it makes financial sense for them to do so. This isn\u2019t a secret. They brag about how often people use their Delta branded credit cards:\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/t(\"p\",{children:[\"\u201CIn June 2023, at Delta Investor Day, executives proudly put up a slide claiming that spending on Delta co-branded credit cards issued by Amex is approaching 1% of U.S. GDP, hinting that over $250 billion was spent.\u201D Source: \",/*#__PURE__*/e(r,{href:\"https://skift.com/2023/09/15/delta-skymiles-change-the-strategy-behind-the-shift/amp/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Skift\"})})]})}),/*#__PURE__*/t(\"p\",{children:[\"The question then becomes how much revenue did they earn from that $250B spent on their cards? While every deal is private and unique, we know from the recent Wall Street Journal \",/*#__PURE__*/e(r,{href:\"https://www.wsj.com/finance/banking/wells-fargo-credit-card-rent-rewards-8e380852\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"tell-all story\"})}),\" about Bilt\u2019s relationship with their issuing bank, Wells Fargo, that its commonplace for card-issuing banks to pay their brand-name partners when these cards are opened, when people spend on these cards, and perhaps also when people pay interest (although American Express collects far less interest income as a percentage of their revenue than many other credit card issuers).\"]}),/*#__PURE__*/t(\"p\",{children:[\"And while we don\u2019t know the exact breakdown of Delta\u2019s deal with American Express, we do know that American Express \",/*#__PURE__*/e(r,{href:\"https://www.dailymail.co.uk/yourmoney/consumer/article-12956687/delta-pocketed-billions-american-express-partnership-profits.html\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"reportedly paid\"})}),\" Delta $6.8 billion in 2023.\"]}),/*#__PURE__*/t(\"p\",{children:[\"If we look back to Delta\u2019s bottom-line, you\u2019ll recall they only made $4.61 billion that year. That means if you take away the money their credit cards earned them, they actually \",/*#__PURE__*/e(\"em\",{children:\"lost $2.19 billion\"}),\" from flying people places.\"]}),/*#__PURE__*/e(\"p\",{children:\"I hope it\u2019s starting to make more sense now, why they try to sell you credit cards at the gate or on the plane, why they try and upsell you on credit cards that come with lounge access, why you\u2019ll see the \u201Cairline\u201D running ads promoting their credit cards more than they run ads promoting their airplanes.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s because they aren\u2019t an airline. They\u2019re a credit card company, and their go-to-market strategy is giving you benefits on flights. They figure it\u2019s more economical for them to just offer the flights themselves than to pay for your free checked bag or lounge access on other airlines, so they operate an airline as a loss-leader to get you to sign up for their credit cards.\"}),/*#__PURE__*/e(\"p\",{children:\"They even allow people who don\u2019t have their cards to book flights on their airline for less than it costs them to run the airline, knowing they can use that as a chance to sell them on their credit cards.\"}),/*#__PURE__*/e(\"p\",{children:\"The whole model would break if it weren\u2019t for credit cards. Flights would be way more expensive if airlines were actually a business that had to make money, instead of a credit card marketing expense.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:/*#__PURE__*/e(\"strong\",{children:\"But that\u2019s just Delta. Delta\u2019s known for its credit cards and loyalty programs. That doesn\u2019t prove anything about other airlines!\"})})}),/*#__PURE__*/e(\"p\",{children:\"Well, it\u2019s not just Delta. It\u2019s every major US airline. American Airlines generated $52.79 billion in revenue in 2023, but after expenses they only made $822 million. That\u2019s still a lot of money from flying people places, but not when you realize that of their $52.79 billion in revenue, $5.2 billion came from their credit card deal with Citi.\"}),/*#__PURE__*/e(\"p\",{children:\"That means in 2023, American Airlines lost $4.38 billion from flying people places. The only reason they would continue to do that is if that loss weren\u2019t an accident. And it isn\u2019t. The $4.38 billion airline loss is a marketing expense for their $5.2 billion credit card business.\"}),/*#__PURE__*/e(\"p\",{children:\"That means the American Airlines credit card business, accounting for the airline expenses, is operating with 16% profit margins, which is perfectly normal for a healthy business! That\u2019s way better than the 1.5% margins the business runs on if you consider the airline revenue to be the top-line, instead of the credit card revenue.\"}),/*#__PURE__*/t(\"p\",{children:[\"If you don\u2019t believe me yet, I\u2019ll prove to you the airline is actually a loss-leader with negative value: the American Airlines loyalty business (which is mostly their credit card business) is \",/*#__PURE__*/e(r,{href:\"https://www.statista.com/statistics/978268/airline-loyalty-programs-valuation/#:~:text=Most valuable airline loyalty programs worldwide 2023&text=In 2023%2C the loyalty program,ranked second%2C with 23.9 billion\",openInNewTab:!0,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"valued at\"})}),\" $23 billion. American Airlines as a whole, is only worth $7.25 billion.\"]}),/*#__PURE__*/e(\"p\",{children:\"That means American Airlines the credit card company is worth $23 billion, and American Airlines the airline is worth negative $15.75 billion. In a world without American Airlines the credit card company, American Airlines the airline would not exist. But together, they\u2019re worth $7.25 billion, which is where the stock is trading.\"}),/*#__PURE__*/e(\"p\",{children:\"While we\u2019ve only profiled Delta and American Airlines in this piece, the same concept is true for United, Alaska Airlines, Jet Blue, insert every US airline with a big credit card business.\"}),/*#__PURE__*/e(\"p\",{children:\"These are not airlines. They don\u2019t know how to make money flying people places. Rather, they\u2019re excellent financiers and marketers, who know that by waving shiny travel rewards in front of our faces, they\u2019ll convince us to use their credit cards.\"}),/*#__PURE__*/t(\"p\",{children:[\"On that note, if you\u2019re curious which credit cards will get you the shiniest travel rewards based on your actual spending and preferences, we built \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\" to answer that for you.\"]}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or endorsed by any of the organizations mentioned.\"})]});export const richText4=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Advertiser Disclosure\"}),/*#__PURE__*/t(\"p\",{children:[\"Pointwise is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as \",/*#__PURE__*/e(r,{href:\"http://milevalue.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue.com\"})}),\". This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit \",/*#__PURE__*/e(r,{href:\"http://americanexpress.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"americanexpress.com\"})}),\" to learn more.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Introduction\"}),/*#__PURE__*/e(\"p\",{children:\"You\u2019ve saved up for that big trip. You haven\u2019t only saved cash, but you\u2019ve saved points, so you can finally get that \u201Cfree\u201D vacation from credit card points you\u2019ve heard so many people talk about. The question now is what to use them on. Do you use your hard-earned points for hotels or airlines? Does that even matter?\"}),/*#__PURE__*/e(\"h2\",{children:\"When it Matters\"}),/*#__PURE__*/t(\"p\",{children:[\"If you\u2019re looking at how many points something costs in your credit card\u2019s travel portal, you\u2019re almost always overpaying (with the exception of booking hotels with Chase Sapphire Reserve\\xae [\",/*#__PURE__*/e(r,{href:\"https://milevalue.com/best-credit-cards/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"view all offers here\"})}),\"] points at a 1.5 cent per point value in Chase Travel(SM)), and you\u2019ll just get the standard 1 cent per point value that most of the portals offer.\"]}),/*#__PURE__*/e(\"p\",{children:\"If you want to get outsized value, you have to look at transferring your points from your credit card to the card\u2019s airline or hotel transfer partners, and book your trip through them.\"}),/*#__PURE__*/e(\"p\",{children:\"There are great tools out there to help you find transfer partner redemption availability, and you always want to check to make sure the booking you want is available before transferring your points over to any airline or hotel.\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Higher Value Per Point\"}),\": Generally, transferring points to airlines can offer a higher value per point compared to hotels. This is especially true when redeeming for premium cabins such as business or first class.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Global Reach\"}),\": Airlines can take you almost anywhere in the world, making them a versatile option for international travelers.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Frequent Promotions\"}),\": Airlines often have promotions that allow you to get even more value from your points, such as discounted award tickets or bonus miles on transfers.\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"So Should I Transfer to Hotels or Airlines?\"}),/*#__PURE__*/e(\"p\",{children:\"Of course, the answer here is \u201Cit depends,\u201D and it depends greatly on whether you\u2019re new to the points game or highly experienced. Let\u2019s start with the facts, and then we can compare that to your experience level and preferences to determine what you should do.\"}),/*#__PURE__*/e(\"p\",{children:\"Here are the facts:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"On average, airline transfer partners are more value per point than hotel transfer partners\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Business and first class flights are worth more per point than economy flights\"})}),/*#__PURE__*/t(\"li\",{\"data-preset-tag\":\"p\",children:[/*#__PURE__*/e(\"p\",{children:\"Hyatt is more valuable per point than most airline and other hotel transfer partners\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Only Chase and Bilt Rewards transfer to Hyatt\"})})})]}),/*#__PURE__*/t(\"li\",{\"data-preset-tag\":\"p\",children:[/*#__PURE__*/e(\"p\",{children:\"Alaska and American Airlines are arguably \u201Cthe Hyatt of Airlines\u201D in terms of value per point, but not to the same extent.\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Only Bilt Transfers to Alaska\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"No one transfers to American, but Citi offers cards that earn American Airlines miles directly\"})})]})]}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"For both airline and hotel point redemptions: the better value per point the reward is, the harder it is to find dates where it\u2019s possible to book that redemption\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Now that we\u2019ve laid out the facts, here come my opinions, starting with people who are new to the points game:\"}),/*#__PURE__*/e(\"p\",{children:\"I\u2019m in the minority here, but I strongly believe that booking hotels with your points is a better use of points for many people trying to get their first taste of luxurious experiences for free with points. While it\u2019s possible, or even probable, that looking for a business class flight can earn you more cents per point in terms of value, I still don\u2019t think that\u2019s worth it for your first or second points redemption for a few different reasons:\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Hotel stays last longer than a flight\"})})}),/*#__PURE__*/e(\"p\",{children:\"The feeling of staying at a hotel that you got for free encapsulates the entirety of your stay. You feel good about it the entire time. You have time to take it in, enjoy the experience, and appreciate everything the hotel has to offer. Compare that to a business class flight: it might be cool, but it\u2019s over in a few hours, and then the rest of your trip doesn\u2019t have that same intense \u201Cfree\u201D feeling that inspires you to earn more points and continue in the credit card game.\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"It\u2019s easier for more people to appreciate\"})})}),/*#__PURE__*/e(\"p\",{children:\"If you\u2019re new to points and you\u2019re traveling with a significant other, booking the high value business class flight redemptions can be prohibitively expensive points-wise, and it can be difficult to find 2 available seats on the same flight. Compare that to booking a single hotel room that you\u2019re going to share anyway, and you both feel like you got something for free, and can revel in that feeling for a longer duration than the flight.\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Many people start by earning Chase and Bilt points\"})})}),/*#__PURE__*/e(\"p\",{children:\"Chase and Bilt are two of the most popular points beginners earn, and they\u2019re the only ones who transfer to Hyatt, which is the most valuable Hotel transfer partner. So in addition to my points above, if you\u2019re a beginner, it\u2019s much more likely you\u2019ll have Chase and Bilt points than American Exress or Wells Fargo points, and Chase and Bilt points\u2019 most valuable transfer partner is Hyatt.\"}),/*#__PURE__*/e(\"p\",{children:\"The reason I\u2019m telling you to maximize the \u201Cgetting stuff for free feeling\u201D by staying at hotels first is because that will give you the internal drive and motivation to excite you about this hobby in the long term, probably more than that economy class ticket for your 3 hour flight to Mexico that you found for 1.8 cents per points.\"}),/*#__PURE__*/e(\"p\",{children:\"Switching to more experienced points travelers, the advice totally comes down to your specific trips, dates, and preferences. If great redemptions are available for your specific dates on airlines instead of hotels, go for it and transfer to airlines. If you value a business class flight more than a 5 star hotel, then go for it an transfer to airlines also. If you want to optimize for the most travel possible, but you like staying in nice places, than transfer to airlines to book economy flights, and transfer to hotels for great accommodations. But if you want to focus on getting the absolute maximum cent per point value for your points, then maybe you should book your economy flight with cash, and save all of your points for that 4 cent per point Hyatt redemption.\"}),/*#__PURE__*/e(\"h1\",{children:\"In Conclusion\"}),/*#__PURE__*/e(\"p\",{children:\"For beginners, my opinion is you should optimize for what would stand out most to you as the coolest \u201CI got this for free\u201D experience. If you\u2019re more experienced, articles like this matter way less, and the options available to you for your specific trip matter way more.\"}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or endorsed by any of the organizations mentioned.\"})]});export const richText5=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Advertiser Disclosure\"}),/*#__PURE__*/t(\"p\",{children:[\"Pointwise is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as \",/*#__PURE__*/e(r,{href:\"http://milevalue.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue.com\"})}),\". This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit \",/*#__PURE__*/e(r,{href:\"http://americanexpress.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"americanexpress.com\"})}),\" to learn more.\"]}),/*#__PURE__*/e(\"h1\",{children:\"Introduction\"}),/*#__PURE__*/e(\"p\",{children:\"Love them or hate them, Wells Fargo is doing what they can lately to stand out for the better and push the credit card industry forward. From the Bilt Mastercard, to the recent Wells Fargo Autograph Journey card, and now The Wells Fargo Attune World Elite Mastercard (the Attune Card), Wells Fargo\u2019s recent launches all follow a similar theme: launch cards that don\u2019t have any clear competitors, and that really do have a unique value proposition.\"}),/*#__PURE__*/e(\"p\",{children:\"Their latest card, the Attune Card, is no different, and positions itself as the \u201Ceverything else\u201D card you never knew you wanted. 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So while I encourage giving a large portion of your income to charity, I wouldn\u2019t be so quick to label this a feature, and I\u2019m tempted to call it a bug.\"}),/*#__PURE__*/e(\"h1\",{children:\"Multipliers\"}),/*#__PURE__*/e(\"p\",{children:\"With the welcome offer aside, here\u2019s where the Attune Card really does live up to its name. It offers 4% back on Self-care, select sports, recreation and entertainment, and impactful purchases. At face value, that may not seem like much, until you realize what they include as part of each of those categories. I\u2019ll list them all out here, but be aware that this is a long list, and I think that\u2019s the point of the card. 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For people who already have cards that offer elevated multipliers for their more common spending categories, given the sheer amount of 4% back categories, I\u2019d venture to say this might even be a more valuable \u2018everything else\u2019 card than a standard 2% back on everything card.\"}),/*#__PURE__*/t(\"p\",{children:[\"The difficult part is knowing if that\u2019s the case for you without having to memorize all of the different 4% back categories, which is why we built \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\", an app that looks at your spending and preferences and compares it to the benefits of almost every card that\u2019s out there, so you can know which credit card is actually best for you.\"]}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or endorsed by any of the organizations mentioned.\"})]});export const richText6=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Advertiser Disclosure\"}),/*#__PURE__*/t(\"p\",{children:[\"Pointwise is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as \",/*#__PURE__*/e(r,{href:\"http://milevalue.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue.com\"})}),\". This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit \",/*#__PURE__*/e(r,{href:\"http://americanexpress.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"americanexpress.com\"})}),\" to learn more.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Introduction\"}),/*#__PURE__*/e(\"p\",{children:\"I can\u2019t tell you of a single product advertised as heavily as credit cards are. We get flyers in the mail, billboards on bus stops, and we\u2019re inundated with a seemingly infinite supply of limited-time offers over email and on the web.\"}),/*#__PURE__*/e(\"p\",{children:\"Think you could avoid it on vacation? Think again! Even in first class you have to listen to the airline pitch their credit card.\"}),/*#__PURE__*/e(\"p\",{children:\"Buying a gift for your special someone and want 10% off this purchase? Here\u2019s another card they\u2019ll try and sell you!\"}),/*#__PURE__*/t(\"p\",{children:[\"Couple that with the fact that [almost half of Americans](\",/*#__PURE__*/e(r,{href:\"https://www.lendingtree.com/credit-cards/study/credit-card-debt-statistics/#:~:text=Federal%20Reserve%20data%20showed%20that,when%20that%20rate%20was%2050%25.)\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"https://www.lendingtree.com/credit-cards/study/credit-card-debt-statistics/#:~:text=Federal Reserve data showed that,when that rate was 50%25.)\"})}),\" carried a balance on their credit cards sometime last year, and it\u2019s no wonder there\u2019s so much misinformation going around.\"]}),/*#__PURE__*/e(\"p\",{children:\"This article is one small attempt to call out that misinformation, so we can better understand what credit cards actually are and aren\u2019t\"}),/*#__PURE__*/e(\"h3\",{children:\"Myth 1: You Should Avoid Credit Cards to Prevent Debt\"}),/*#__PURE__*/e(\"p\",{children:\"This is the most common critique of credit cards, and it\u2019s great advice for lots of people. If you\u2019re someone who struggles controlling your spending, who thinks your credit limit is your checking account, or who just isn\u2019t disciplined enough to pay off your cards in full every month, then you should listen to this advice.\"}),/*#__PURE__*/e(\"p\",{children:\"For everyone else, it\u2019s total bogus, and all you\u2019re doing by avoiding credit cards is costing yourself thousands of dollars a year in valuable rewards.\"}),/*#__PURE__*/t(\"p\",{children:[\"The reason I\u2019m calling this a myth, instead of just advice that\u2019s good for some people and not for others, is that far too often, the people who say this don\u2019t limit it to some people: they say \",/*#__PURE__*/e(\"strong\",{children:\"nobody\"}),\" should get credit cards.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Dave Ramsey\u2019s the most famous perpetrator of this myth, and I wrote an open letter to him debunking this advice of his in more depth \",/*#__PURE__*/e(r,{href:\"https://www.notion.so/In-Defense-of-Credit-Cards-An-Open-Letter-To-Dave-Ramsey-3f20dba66ef644cbb77a15846139f162?pvs=21\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"here\"})}),\".\"]}),/*#__PURE__*/e(\"h3\",{children:\"Myth 2: Your Credit Limit is How Much You Can Spend\"}),/*#__PURE__*/e(\"p\",{children:\"Your credit limit is not how much you can spend - it\u2019s how much the bank can afford to lend you, given your risk profile. It has nothing to do with how much money you have or what\u2019s in your budget.\"}),/*#__PURE__*/e(\"p\",{children:\"Your checking account has everything to do with how much money you have, and it\u2019s important you only spend money that\u2019s within your budget and can be paid off from your checking account every month.\"}),/*#__PURE__*/e(\"h3\",{children:\"Myth 3: You Can\u2019t Earn Lots of Credit Card Rewards if You Don\u2019t Travel\"}),/*#__PURE__*/e(\"p\",{children:\"While it makes sense why people would think this, since many of the most valuable credit card rewards are related to travel, there\u2019s an entire half of the credit card world devoted just to cash back!\"}),/*#__PURE__*/e(\"p\",{children:\"There are countless popular cash back credit card strategies ranging from simple Robinhood Gold Card (3% back on all eligible purchases) setups to more complex Bank of America setups that take advantage of their Preferred Rewards bonus earning rates and so much more.\"}),/*#__PURE__*/e(\"p\",{children:\"Having a preference for cash back shouldn\u2019t scare you away for credit cards, and you can probably earn thousands of dollars a year in cash back without changing your spending habits.\"}),/*#__PURE__*/t(\"p\",{children:[\"If you want help doing that for free, you can check out \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\", our app that tells you which credit cards to get and when to get them, based on your actual spending and preferences.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Myth 4: Your Credit Score is The Most Important Thing\"}),/*#__PURE__*/e(\"p\",{children:\"Your credit score is important, but it\u2019s not the be-all end-all. As long as your credit score is in the mid-700s or higher, it\u2019s unlikely you\u2019ll be denied for a credit card based on your credit score being too low.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s much more likely that you\u2019ll be denied because of a lack of credit history, which can happen even with a credit score over 800!\"}),/*#__PURE__*/e(\"h3\",{children:\"Myth 5: Your Credit Card Friend Knows Which Card is Best For You\"}),/*#__PURE__*/e(\"p\",{children:\"We all have that one friend or family member who\u2019s super into credit cards that everyone goes to for advice, and while they probably know more than you do about credit cards, they almost certainly don\u2019t know everything.\"}),/*#__PURE__*/e(\"p\",{children:\"There are more than 4,000 credit cards available to US consumers, and each one has different bonus categories, benefits, credits, annual fees, and welcome offers, and each credit card issuer has their own application rules and criteria, and it\u2019s almost impossible for a single person to know it all.\"}),/*#__PURE__*/e(\"p\",{children:\"Even if they did manage to know it all, in order to know which card is best for you, they\u2019d need to know exactly where you\u2019re spending and cross-reference that to the terms of every card that\u2019s out there. And that I\u2019m fairly certain is impossible.\"}),/*#__PURE__*/t(\"p\",{children:[\"That\u2019s why we build \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\", a free app that makes it quick and easy to figure out which credit card is best for you, by comparing your actual spending and preferences to the benefits offered by every major credit card.\"]}),/*#__PURE__*/e(\"p\",{children:\"Pointwise is that friend or relative who knows everything about credit cards, if that friend or relative actually knew everything about credit cards.\"}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or endorsed by any of the organizations mentioned.\"})]});export const richText7=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Advertiser Disclosure\"}),/*#__PURE__*/t(\"p\",{children:[\"Pointwise is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as \",/*#__PURE__*/e(r,{href:\"http://milevalue.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue.com\"})}),\". This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit \",/*#__PURE__*/e(r,{href:\"http://americanexpress.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"americanexpress.com\"})}),\" to learn more.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Introduction\"}),/*#__PURE__*/e(\"p\",{children:\"So you\u2019re planning a trip. How exciting! But now you have to pay for it. That\u2019s less exciting. You\u2019ve heard stories of people traveling for free, and if they do have to pay, they wait to board their plane in a fancy lounge with an all-you-can-eat buffet. Don\u2019t lie, you\u2019ve wondered how they do it.\"}),/*#__PURE__*/e(\"p\",{children:\"Their secret is credit cards, and in this post we\u2019ll introduce you to three of the most popular travel credit cards out there, and how they may or may not be all they\u2019re hyped up to be.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/chase-sapphire-preferred/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Chase Sapphire Preferred\\xae Card\"})})}),/*#__PURE__*/t(\"p\",{children:[\"The \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/chase-sapphire-preferred/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Chase Sapphire Preferred\\xae Card\"})}),\" is one of Chase\u2019s most popular cards, and for good reason, but not for the reasons you think. When I ask most people who have this card why they got it, the most common answer I get is \u201Cbecause it\u2019s a good travel card,\u201D but they don\u2019t know why. Some will quote the 2x back on travel, or the 3x back on dining, but neither of those benefits are worth the $95 annual fee.\"]}),/*#__PURE__*/e(\"p\",{children:\"You can find plenty of 2x back on everything cards with no annual fee, and the same goes for 3x on dining with a much lesser annual fee.\"}),/*#__PURE__*/e(\"p\",{children:\"That leaves us wondering: what really makes this the \u201Cgood travel card\u201D it\u2019s known to be? The answer comes down to 2 things.\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"Elevated point value. Having the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/chase-sapphire-preferred/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Chase Sapphire Preferred\\xae Card\"})}),\" gives you access to two point redemption options that have higher value than the standard $0.01 per point default point value, which is that it gives you elevated value (1.25 cents per point) when booking travel through Chase Travel\u2120, and it gives you access to Chase\u2019s transfer partners, where you can get even more value than that.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"You can move your points from any other Chase branded cards that earn Ultimate Rewards points to the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/chase-sapphire-preferred/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Chase Sapphire Preferred\\xae Card\"})}),\", and then those points get the same elevated point value and transfer options that your Sapphire points get.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"While there\u2019s more to cover, like the $50 annual hotel credit, the two benefits above are the most common ways to justify the $95 annual fee.\"}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/the-platinum-card/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"The Platinum Card\\xae from American Express\"})})}),/*#__PURE__*/t(\"p\",{children:[\"The next most common card I hear people tell me they get because they travel is the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/the-platinum-card/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"The Platinum Card\\xae from American Express\"})}),\". And when I ask them why they have the card, they often answer just like the people who have the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/chase-sapphire-preferred/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Chase Sapphire Preferred\\xae Card\"})}),\", except they add one more sentence. They say they got it \u201Cbecause it\u2019s a good travel card. And I travel a lot.\u201D\"]}),/*#__PURE__*/t(\"p\",{children:[\"There seems to be this impression that the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/chase-sapphire-preferred/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Chase Sapphire Preferred\\xae Card\"})}),\" is a good travel card for those who travel occasionally, while the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/the-platinum-card/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"The Platinum Card\\xae from American Express\"})}),\" is a good card for those who travel a lot.\"]}),/*#__PURE__*/t(\"p\",{children:[\"That could not be further from the truth, and the real factors that should impact your decision here have nothing to do with how frequently you travel. Instead, you should only get the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/the-platinum-card/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"The Platinum Card\\xae from American Express\"})}),\" if the credits make up for the annual fee, or if you value the lounge access offered by the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/the-platinum-card/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"The Platinum Card\\xae from American Express\"})}),\" high enough to make up for what\u2019s left of the annual fee after accounting for the credits that are valuable to you.\"]}),/*#__PURE__*/t(\"p\",{children:[\"I see others get the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/the-platinum-card/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"The Platinum Card\\xae from American Express\"})}),\" because they like how it looks, how it feels, and more importantly to them, how it makes others look at them. Rest assured, that is not why you should be getting this card. Credit card are financial products that can help you if used for the right reasons, and hurt you if used for the wrong reasons. Don\u2019t use them for the wrong reasons. Financial products are not bags or watches, and should not be bought to show off.\"]}),/*#__PURE__*/e(\"h2\",{children:/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/venture-x/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Capital One Venture X Rewards Credit Card\"})})}),/*#__PURE__*/t(\"p\",{children:[\"Last but definitely not least we have the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/venture-x/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Capital One Venture X Rewards Credit Card\"})}),\", a card that\u2019s yet to take off with the general public like the previous two cards we mentioned, but the card that credit card influencers cannot get enough of.\"]}),/*#__PURE__*/t(\"p\",{children:[\"The \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/venture-x/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Capital One Venture X Rewards Credit Card\"})}),\" really does do it all, and is one of the best one-card setups for people who travel. That\u2019s because, unlike with the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/chase-sapphire-preferred/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Chase Sapphire Preferred\\xae Card\"})}),\" and \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/the-platinum-card/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"The Platinum Card\\xae from American Express\"})}),\", the \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/creditcards/venture-x/?aff=pw\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Capital One Venture X Rewards Credit Card\"})}),\" essentially pays you to have the card each year, assuming you spend at least $400 on travel, and it also gives you 2x back on all eligible purchases! Not just travel!\"]}),/*#__PURE__*/e(\"p\",{children:\"While there is a $395 annual fee, the card comes with a $300 annual travel credit and 10,000 Capital One Miles (valued at $100 when redeemed for travel through Capital One Travel), which means after those benefits, you gained $5 in value just from having the card. Couple that with the 2x back on all eligible purchases, and the fact that it comes with lounge access, and you\u2019re looking at a really great all around and travel card for most people.\"}),/*#__PURE__*/e(\"h2\",{children:\"Pointwise: Your Personalized Credit Card Advisor\"}),/*#__PURE__*/t(\"p\",{children:[\"It's important to remember that everyone's spending habits and travel preferences are unique, and the best credit card for one person might not be the best for another. That's where \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\" comes in. \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\" is an app that connects to your existing credit and debit cards and analyzes your spending to find the perfect credit card for you. But \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\" doesn't stop there - it gives recommendations over time, ensuring that you always have the best card for your evolving needs.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Conclusion\"}),/*#__PURE__*/t(\"p\",{children:[\"When choosing a travel credit card, it's important to consider your traveling habits and preferences. The Chase Sapphire Preferred Card, The Platinum Card from American Express, and the Capital One Venture Rewards Credit Card each have their own unique features and perks. And with the help of \",/*#__PURE__*/e(r,{href:\"https://www.notion.so/The-Truth-Behind-The-Best-Travel-Credit-Cards-86d5076aa5f1410b9172a197adfcb63c?pvs=21\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\", you can ensure you're always using the card that best suits your needs and enhances your travel experience.\"]}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or endorsed by any of the organizations mentioned.\"})]});export const richText8=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Advertiser Disclosure\"}),/*#__PURE__*/t(\"p\",{children:[\"Pointwise is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as \",/*#__PURE__*/e(r,{href:\"http://milevalue.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue.com\"})}),\". This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit \",/*#__PURE__*/e(r,{href:\"http://americanexpress.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"americanexpress.com\"})}),\" to learn more.\"]}),/*#__PURE__*/e(\"h1\",{children:\"Introduction\"}),/*#__PURE__*/e(\"p\",{children:\"So you just turned 18, or just got to college, or someone just told you about their free business class flight when you paid hundreds of dollars for economy. For whatever reason, you\u2019re looking for your first credit card, and you want it to be the best.\"}),/*#__PURE__*/e(\"p\",{children:\"I\u2019ve been in that same exact situation, which is why I\u2019m writing this short series on some of the most popular first credit cards, starting with the Discover It card.\"}),/*#__PURE__*/t(\"p\",{children:[\"If you\u2019d rather just get the answer that\u2019s best for you right away, without having to read this review series, \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\" was built just for you. Pointwise asks you a few quick questions about your preferences, and then connects to your existing credit or debit cards to tell you which card is best for you based on your actual spending patterns and preferences.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Why the Discover It?\"}),/*#__PURE__*/e(\"p\",{children:\"Of all the entry level cards, the Discover It is far and away the most flexible. You can think of it more like a family of cards, rather than one specific card. They\u2019re frequently recommended as someone\u2019s first credit card because it\u2019s relatively easy for people to get approved for them without much [or sometimes any] credit history.\"}),/*#__PURE__*/e(\"p\",{children:\"This is in contrast to the mistake many first time card applicants make, which is they check their credit score, see that it\u2019s high (usually due to them being an authorized user on a parent\u2019s card), and then they\u2019re shocked when they aren\u2019t approved for some of the more popular credit cards.\"}),/*#__PURE__*/e(\"p\",{children:\"That\u2019s because, at the beginning of your credit card journey, your credit score matters far less than your credit history, which is how long you\u2019ve personally had credit cards or other personal loans. If being an authorized user on another card is all the credit agencies have on you, they\u2019ll give you a good credit score, but your credit report won\u2019t show any personal credit history, which will make you unlikely to get approved right away for many of the cards you\u2019ve probably heard of.\"}),/*#__PURE__*/e(\"p\",{children:\"The Discover It line of cards is relatively easy to get approved for, especially the student cards in the lineup, which are very similar to the non-student cards.\"}),/*#__PURE__*/e(\"p\",{children:\"One other thing to note is that for the Discover It line of cards, you\u2019ll see some advertising that they earn miles and other cash back. While some credit card issuers, most notably Chase, do have substantial differences in what you can do with cash back cards vs points/miles earning cards, Discover miles and cash back are worth exactly the same. For every dollar the cash back card earns you, the miles card will earn you the exact same, which you can then redeem for $1 worth of cash.\"}),/*#__PURE__*/e(\"p\",{children:\"The difference is primarily in marketing for people who want to earn for travel, but don\u2019t know much about credit cards.\"}),/*#__PURE__*/t(\"p\",{children:[\"Therefore, in this post, we\u2019ll be looking at the \",/*#__PURE__*/e(r,{href:\"https://refer.discover.com/u5jm2x!5eb74c33a2!a\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Discover it\\xa0Cash Back Credit Card\"})}),\", which is virtually identical to the \",/*#__PURE__*/e(r,{href:\"https://www.discover.com/credit-cards/student-credit-card/it-card.html?ICMPGN=ALL_CC_STUDENT_IT_CARD\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Discover it\\xa0Student Cash Back Credit Card\"})}),\", with the exception that the non-student version has an extended 0% intro APR offer - 15 months of 0% APR instead of the student card\u2019s 6.\"]}),/*#__PURE__*/e(\"p\",{children:\"But that leads us to the first part of a segment we\u2019ll call:\"}),/*#__PURE__*/e(\"h2\",{children:\"Features That Shouldn\u2019t Matter\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"The 0% intro APR promotion\"})})})}),/*#__PURE__*/t(\"p\",{children:[\"The 0% intro APR promotion on the Discover It cash back cards, for whatever length of time, \",/*#__PURE__*/e(\"strong\",{children:\"should not\"}),\" impact your decision to open this card. That\u2019s because you should be paying off your card, in full, every month, hopefully on auto-pay, to make sure you never carry a balance or pay interest on a credit card.\"]}),/*#__PURE__*/t(\"p\",{children:[\"If you think you\u2019re the type of person that would avoid paying off your card every month, \",/*#__PURE__*/e(\"strong\",{children:\"then credit cards are not for you\"}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"The reason Discover offers this is because a large portion of their revenue comes from people who carry balances on their credit cards, who then pay high interest once the promotional 0% APR expires, because they\u2019re now habituated into carrying a balance, and probably lost track of when exactly that 0% APR is expiring.\"}),/*#__PURE__*/e(\"p\",{children:\"Don\u2019t fall for it. Pay off your card.\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Whatever the interest rate is\"})})})}),/*#__PURE__*/e(\"p\",{children:\"The interest rates the Discover It charges are insanely high (18% - 29%), but that should not matter one bit to you. That\u2019s because you should only be getting credit cards in the first place if you\u2019re financially able and disciplined enough to pay it off every single month.\"}),/*#__PURE__*/e(\"p\",{children:\"Assuming you do that, you\u2019ll never pay the interest rates, so these rates could be 200%, but it still wouldn\u2019t matter: you\u2019re always paying $0 in interest.\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Whatever credit limit they offer you\"})})})}),/*#__PURE__*/e(\"p\",{children:\"The goal of your first card is to start building your credit history while getting as many rewards as possible. Discover is known to give out small credit limits (this was my first card and I got a $500 credit limit at first, which they\u2019ve raised several times since then without my asking), but that\u2019s nothing to worry about.\"}),/*#__PURE__*/e(\"p\",{children:\"Yes, the percentage of your available credit that you use will be high if you have such a low credit limit, but as long as you pay it off every month, given that it\u2019s such a low limit, it shouldn\u2019t hurt your ability to open more cards in the future, and in the long run the card is still a clear positive because you\u2019re building credit history.\"}),/*#__PURE__*/e(\"ul\",{children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"The card\u2019s design\"})})})}),/*#__PURE__*/e(\"p\",{children:\"Discover is known for having some beautiful custom card designs, but while a fun feature, that should not impact your decision to open the card or not. Credit cards are financial products. If you want to buy a picture to put in your wallet you can do that separately, but that\u2019s not what credit cards are for.\"}),/*#__PURE__*/e(\"p\",{children:\"If this card makes sense for you, then by all means, have fun with the choose your own design feature, but don\u2019t choose one card or another based on looks (this goes for those of you who love metal cards also)!\"}),/*#__PURE__*/e(\"h2\",{children:\"Welcome Offer\"}),/*#__PURE__*/t(\"p\",{children:[\"The \",/*#__PURE__*/e(r,{href:\"https://refer.discover.com/u5jm2x!5eb74c33a2!a\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Discover it\\xa0Cash Back Credit Card\"})}),\" used to offer an incredibly valuable welcome offer per dollar spent: $100 cash back after making your first purchase of any amount on the card, as long as it\u2019s within 3 months of account opening.\"]}),/*#__PURE__*/e(\"p\",{children:\"That\u2019s what initially got me hooked on this card, but unfortunately it\u2019s not available through public offers anymore.\"}),/*#__PURE__*/t(\"p\",{children:[\"Fortunately, it is available through referral links, so I\u2019ve linked my \",/*#__PURE__*/e(r,{href:\"https://refer.discover.com/u5jm2x!5eb74c33a2!a\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"referral link\"})}),\" for the card when the card name is mentioned in this article.\"]}),/*#__PURE__*/e(\"p\",{children:\"You can tell that this card is geared toward new credit card users because the bonus triggers as soon as you make any purchase of any size. You don\u2019t have to spend $500 in 3 months or fulfill any other requirements that competing cards might make you jump through.\"}),/*#__PURE__*/e(\"p\",{children:\"This also means the percentage back you get on the transaction that triggers the welcome offer is way higher than any other welcome offer out there.\"}),/*#__PURE__*/e(\"p\",{children:\"For example, if one card offers $200 after spending $500, then the Return on Spend (RoS) is 40% (200/500) while working toward the welcome offer. But if you buy a $0.10 piece of candy from Five Below, that alone will trigger this $100 welcome offer, equaling up to an insane 10,000% return on spend.\"}),/*#__PURE__*/e(\"p\",{children:\"Obviously, most purchases will be more than $0.10, so that percentage will likely be lower for you, but as long as your first purchase is lower than $250 you\u2019ll earn better than a 40% return on spend chasing this welcome offer, which I can confidently say is the easiest welcome offer to hit in the credit card space.\"}),/*#__PURE__*/e(\"h2\",{children:\"Annual Fee\"}),/*#__PURE__*/t(\"p\",{children:[\"Part of what makes the \",/*#__PURE__*/e(r,{href:\"https://refer.discover.com/u5jm2x!5eb74c33a2!a\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Discover it Cash Back Card\"})}),\" such a great first credit card is that it has no annual fee, which means even if you get to a point in the future where you have other cards that offer you more benefits than the \",/*#__PURE__*/e(r,{href:\"https://refer.discover.com/u5jm2x!5eb74c33a2!a\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Discover it Cash Back Card\"})}),\", you can still keep this card open without paying an annual fee.\"]}),/*#__PURE__*/e(\"p\",{children:\"That\u2019s important because one of the factors that impacts your credit score, and most importantly, your credit history, is the average age of your credit accounts, and the age of your oldest credit accounts.\"}),/*#__PURE__*/e(\"p\",{children:\"Having your first few credit cards be no annual fee cards that you plan to keep open forever, even if you barely use them years from now, is a tried and true way to have a great sustainable credit history.\"}),/*#__PURE__*/e(\"h2\",{children:\"Category Multipliers\"}),/*#__PURE__*/t(\"p\",{children:[\"The \",/*#__PURE__*/e(r,{href:\"https://refer.discover.com/u5jm2x!5eb74c33a2!a\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Discover it Cash Back Card\"})}),\" offers 5% cash back in rotating categories each quarter (up to $1,500). After reaching the cap, and on all other categories, you earn 1% cash back on all other purchases.\"]}),/*#__PURE__*/e(\"p\",{children:\"Here\u2019s what those 5% back categories have been so far this year:\"}),/*#__PURE__*/e(\"p\",{children:\"Quarter Categories Q1 2024 Restaurants and Drug Stores Q2 2024 Gas Stations & Electric Vehicle Charging Stations, Home Improvement Stores, and Public Transit Q3 2024 Walmart and Grocery Stores Q4 2024 TBD. Announcing on Sep 1\"}),/*#__PURE__*/e(\"p\",{children:\"While the 5% categories are exciting, they don\u2019t separate themselves apart from any of the other 5% back cards, and it\u2019s not like the 1% back on everything else is all that special either.\"}),/*#__PURE__*/t(\"p\",{children:[\"That\u2019s until you learn about \",/*#__PURE__*/e(\"strong\",{children:\"the card\u2019s little-known feature\"}),\" that makes a world of a difference, which is its \",/*#__PURE__*/e(\"strong\",{children:\"first year match\"}),\", where Discover will match all of your first year earnings on the card after your first year of having it.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"That means the 5% cash back categories become 10% cash back categories, and the 1% back on everything else becomes 2% back on everything else!\"})}),/*#__PURE__*/e(\"p\",{children:\"For a no annual fee card, that\u2019s about as good as it gets, and that\u2019s more competitive than most cards that do have an annual fee!\"}),/*#__PURE__*/e(\"h2\",{children:\"Issuer Rules\"}),/*#__PURE__*/t(\"p\",{children:[\"The only great reason I can think of to avoid getting the \",/*#__PURE__*/e(r,{href:\"https://refer.discover.com/u5jm2x!5eb74c33a2!a\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Discover it Cash Back Card\"})}),\" as your first card is Chase\u2019s 5/24 rule.\"]}),/*#__PURE__*/e(\"p\",{children:\"This refers to the fact that Chase almost never approves you for a credit card if you\u2019ve opened 5 or more credit cards from any issuer in the last 24 months.\"}),/*#__PURE__*/e(\"p\",{children:\"This means if you plan on opening up a bunch of credit cards early on in your credit card journey, then it\u2019s a good idea to start with Chase for your first 5 cards, since you\u2019re still under 5/24, before moving onto other issuers.\"}),/*#__PURE__*/e(\"p\",{children:\"But given that it\u2019s not always easy to get approved for that many cards in such a short amount of time from starting your credit history, and that most people won\u2019t get 5 cards in their first 2 years of using a credit card, I don\u2019t think that\u2019s a concern most people should have.\"}),/*#__PURE__*/e(\"h2\",{children:\"In Conclusion\"}),/*#__PURE__*/t(\"p\",{children:[\"Of all the beginner credit cards out there, the \",/*#__PURE__*/e(r,{href:\"https://refer.discover.com/u5jm2x!5eb74c33a2!a\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Discover it Cash Back Card\"})}),\" is the easiest to recommend (just make sure you use a link that gives you the $100 welcome offer when you apply).\"]}),/*#__PURE__*/t(\"p\",{children:[\"There are definitely situations where other first cards make sense for people, and if you want to see if that\u2019s you, \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\" will let you know what \",/*#__PURE__*/e(\"em\",{children:\"you\"}),\" should do.\"]}),/*#__PURE__*/e(\"p\",{children:\"But it\u2019s hard to beat the one-of-a-kind first year cash back match, the $100 welcome offer with no minimum spend, and the fun custom card designs :)\"}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved, or endorsed by any of the organizations mentioned.\"})]});export const richText9=/*#__PURE__*/t(a.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Advertiser Disclosure\"}),/*#__PURE__*/t(\"p\",{children:[\"Pointwise is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as \",/*#__PURE__*/e(r,{href:\"http://milevalue.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue.com\"})}),\". This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit \",/*#__PURE__*/e(r,{href:\"http://americanexpress.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"americanexpress.com\"})}),\" to learn more.\"]}),/*#__PURE__*/e(\"h1\",{children:\"Introduction\"}),/*#__PURE__*/e(\"p\",{children:\"To some extent, your credit score is a black box - very few people in the world know exactly how it\u2019s calculated - but we do know exactly which factors can move it up or down, largely because the credit bureaus tell us what those factors are.\"}),/*#__PURE__*/e(\"p\",{children:\"But most people aren\u2019t so familiar with what those factors are, leading to countless misconceptions surrounding credit scores.\"}),/*#__PURE__*/t(\"p\",{children:[\"I hear credit score myths almost daily from family, friends, and our customers at \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\", so this article is to debunk some of the most common ones I hear, so that you don\u2019t believe them and cost yourself valuable points or money in the process.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Myth 1: Carrying a Balance Improves Your Credit Score\"}),/*#__PURE__*/e(\"p\",{children:\"I\u2019m not quite sure where this one started, but for some reason people think your credit score will go up if you carry a balance because you\u2019re using your credit card more.\"}),/*#__PURE__*/e(\"p\",{children:\"That premise is not true. Your credit score doesn\u2019t improve because you\u2019re using more of your available credit. In fact, your credit score will go down because carrying a balance increases your credit utilization, which is one of those factors that impacts your credit score.\"}),/*#__PURE__*/e(\"p\",{children:\"Your credit utilization is your outstanding balance across all of your credit cards divided by the amount of available credit you have across all of your credit cards. So if you have $10,000 worth of available credit and a $1,000 balance across all of your credit cards, your credit utilization is 10%.\"}),/*#__PURE__*/e(\"p\",{children:\"The lower your credit utilization, the higher your credit score. Not the other way around.\"}),/*#__PURE__*/e(\"p\",{children:\"Don\u2019t pay interest on a credit card balance you\u2019re only keeping to increase your credit score. It\u2019s actually hurting your credit score and costing you money in interest. Just pay off your cards in full every month.\"}),/*#__PURE__*/e(\"h3\",{children:\"Myth 2: You Should Close Unused Credit Cards\"}),/*#__PURE__*/e(\"p\",{children:\"Another common misconception is that closing unused credit card accounts will improve your credit score. While it may seem logical to close accounts you no longer use, it actually negatively affects almost every factor that goes into measuring your credit score.\"}),/*#__PURE__*/e(\"p\",{children:\"Your credit utilization goes up because your total available credit goes down.\"}),/*#__PURE__*/e(\"p\",{children:\"Your average age of accounts goes down if you\u2019ve had this card longer than your average card.\"}),/*#__PURE__*/e(\"p\",{children:\"Your total number of accounts goes down.\"}),/*#__PURE__*/e(\"p\",{children:\"It\u2019s just not a great idea. The only time it does make sense to close an unused card is if it charges you an annual fee, in which case saving on the annual fee is probably worth the small hit that cancelling the card will have on your credit score.\"}),/*#__PURE__*/t(\"p\",{children:[\"That being said, many cards with an annual fee can be downgraded to no annual fee cards by just calling the credit card issuer and asking them. For example, the \",/*#__PURE__*/e(r,{href:\"https://go.milevalue.com/chase-sapphire-reserve\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Chase Sapphire Reserve\\xae\"})}),\" and \",/*#__PURE__*/e(r,{href:\"https://go.milevalue.com/chase-sapphire-preferred/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Chase Sapphire Preferred\\xae Card\"})}),\" can be downgraded for free to any of the no annual fee Chase Freedom cards by calling chase and just asking them.\"]}),/*#__PURE__*/e(\"p\",{children:\"This has the benefit of keeping your average age of accounts, total number of accounts, and usually also your credit utilization in a position to keep propping up your credit score, while saving you the unwanted annual fee.\"}),/*#__PURE__*/e(\"h3\",{children:\"Myth 3: Applying for Multiple Credit Cards Hurts Your Credit Score\"}),/*#__PURE__*/e(\"p\",{children:\"This one\u2019s based in truth - one of the factors that negatively impacts your credit score is your number of recent hard inquiries (also called hard credit checks or credit pulls).\"}),/*#__PURE__*/e(\"p\",{children:\"So applying for multiple credit cards in a short amount of time will likely hurt your credit score a little. The logic behind this is that when people need credit, which is measured by when you\u2019re asking for it (meaning when you apply for a new card), the credit bureaus think you\u2019re a risky borrower.\"}),/*#__PURE__*/e(\"p\",{children:\"The problem with treating this as gospel is that then you\u2019d never apply for any credit, you\u2019d never open enough cards, and the credit bureaus (and therefore your credit score) love it when you have access to lots of credit, but aren\u2019t using it! That\u2019s a sign of not needing credit, which is the opposite of a risky borrower!\"}),/*#__PURE__*/e(\"p\",{children:\"This is why hard inquiries only impact your credit score for 6-12 months, and then they go off your credit report entirely after 24 months, but your average age of accounts and credit utilization look at accounts that are much older than 24 months.\"}),/*#__PURE__*/e(\"p\",{children:\"So the way to think about it is as follows: applying for multiple new credit cards, or any new credit cards, might bring your score down a little in the short term, but as long as you pay your cards off in full every month, in the long run they\u2019ll actually increase your credit score.\"}),/*#__PURE__*/t(\"p\",{children:[\"One last point to consider is that some credit card issuers have rules about how often you can apply for new credit cards and still get approved or be eligible for the bonus. \",/*#__PURE__*/e(r,{href:\"https://milevalue.com/issuing-banks-rules-for-approvals-and-new-bonuses/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"MileValue\"})}),\" has a great article summarizing these rules, but they can be a hassle to keep track of in your head.\"]}),/*#__PURE__*/t(\"p\",{children:[\"That\u2019s one of the reasons we built \",/*#__PURE__*/e(r,{href:\"http://getpointwise.com/\",openInNewTab:!1,smoothScroll:!1,children:/*#__PURE__*/e(\"a\",{children:\"Pointwise\"})}),\" - so that you don\u2019t have to think about any of these rules - you can just follow the onboarding process and figure out which credit card is best for you right now, and we\u2019ll also let you know when it\u2019s best for you to get your next card.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Myth 4: Having Too Many Credit Cards Hurts Your Credit Score\"}),/*#__PURE__*/e(\"p\",{children:\"This makes sense if you\u2019ve been raised to believe that credit cards are inherently bad, but to the credit bureaus, there\u2019s no such thing as having too many credit cards, so long as you pay them off in full every month.\"}),/*#__PURE__*/e(\"p\",{children:\"Having a lot of credit cards without any balances shows the credit bureaus that you can manage credit very well and that you don\u2019t need it that badly, all signs of a low risk borrower!\"}),/*#__PURE__*/e(\"h3\",{children:\"Myth 5: You Only Need to Pay the Minimum Payment\"}),/*#__PURE__*/e(\"p\",{children:\"You have no idea how many people I come across who think their credit limit is their bank account balance and the minimum payment is their bill.\"}),/*#__PURE__*/e(\"p\",{children:\"This could not be further from the truth. Your credit limit is a number that should not matter to you, and neither should the minimum payment. That\u2019s because your credit cards should be paid off in full, every month, without fail.\"}),/*#__PURE__*/e(\"p\",{children:\"If you do only pay the minimum payment, you\u2019ll be sentenced to a life of ever-increasing credit card debt, and you\u2019ll end up paying so much more to the banks than you every paid for your actual expenses.\"}),/*#__PURE__*/e(\"p\",{children:\"Credit cards should be paid off in full, every month, and if you can\u2019t do that, you should seriously reconsider if credit cards are for you.\"}),/*#__PURE__*/e(\"p\",{children:\"\u2014\u2014\"}),/*#__PURE__*/e(\"p\",{children:\"Editors Note: The opinions expressed in this article are solely the author's and do not reflect the views of any bank, credit card issuer, hotel, airline, or other entity. 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