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 “citi”
- Credit cardsUS card application rules: Chase 5/24, Citi 8/65, Amex once-per-lifetime and the restEach US issuer limits how fast you can apply and when you can earn a sign-up bonus again. A plain-English table of the rules in force in 2026, how to count against them, and the order of operations they imply.3 min readIntermediate
- TravelUS cards with no foreign transaction fee in 2026, and the ones that still charge itA foreign transaction fee of about 3% can erase a card's whole reward. This guide sorts the popular US cards into 'no fee' and 'fee' using 2026 reviews, shows the maths, and lists what to check before you pay abroad.3 min readBeginner
- Points & milesCiti ThankYou points in 2026: what each Strata card does, and three ways to lose your pointsCiti's ThankYou points work across several cards, but only some can transfer them to airlines. See what the no-fee Strata, Strata Premier and the retired Custom Cash each do, how pooling works, the new once-per-lifetime rule, and the traps that make points expire.3 min readIntermediate
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