Wiki
Plain-language guides to points, cards, credit, banking, eSIM and travel
Short, sourced explainers you can read in a few minutes. Each one names where its facts come from and when we last checked them.
72 guides across 8 topics
Browse by topic
- Rewards basicsHow rewards, interest and statements actually work.6 guides
- Credit cardsSign-up bonuses, annual fees, issuer rules and the fine print.13 guides
- Points & milesAirline, hotel and bank points: how they are earned, valued and kept.8 guides
- Credit & your rightsScores, reports, freezes, disputes and the laws behind them.12 guides
- Banking & paymentsAccounts, IBANs, cross-border transfers and virtual cards.10 guides
- eSIM & connectivityStaying online abroad without surprise bills.7 guides
- TravelPaying, insuring and moving across borders.10 guides
- SecurityDisputes, scams and keeping your accounts safe.6 guides
Guides labeled “cents per point”
- Credit cardsHow to price a sign-up bonus: the first-year formula, with nine October 2026 offersA 175,000-point bonus sounds huge until you subtract the annual fee and the spend you would not otherwise do. Learn the first-year value formula, see nine real offers priced at two point values, and why changing your cents-per-point can reorder the whole list.3 min readIntermediate
- Points & milesWhat are points really worth? A value ladder from 0.4 to 1.6 centsA point has no fixed price. This guide shows the three ways to redeem, a ladder of what US bank points, airline miles and hotel points tend to fetch, how to work out your own cents-per-point, and why value can drop overnight.3 min readIntermediate
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