Rewards basics
How rewards, interest and statements actually work.
5 guides
- Rewards basicsHow credit card interest works: APR, the grace period and your statementWhy paying the statement balance on time costs no interest, how a yearly APR turns into a monthly charge, and what changes the moment you carry a balance.3 min readBeginner
- Rewards basicsWhat is a point worth? Rewards maths in cents per pointA simple way to compare cash back, points and miles: work out cents per point, the real earning rate on your spending, and what a redemption actually costs you.3 min readIntermediate
- Rewards basicsSign-up bonuses explained: spend requirements, timing and the fine printWhat a welcome offer really asks of you, when the bonus arrives, and how to tell whether an offer is worth taking or only worth the paperwork.3 min readBeginner
- Rewards basicsAnnual fees: how to tell whether a card earns its keepA short method for checking whether a card with a yearly fee pays for itself, using the rewards and credits you will really use, and what your options are at renewal.3 min readIntermediate
- Rewards basicsCredit, cards and rewards: the acronyms you will keep meetingA plain-English decoder for the letters that fill card offers, credit reports, rewards programs and travel pages, grouped by where you will see them.3 min readBeginner
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