The credit-card landscape in 2025 offers one blessing for people carrying high-interest debt: a handful of cards still waive interest for extended periods when you transfer your balance (Balance Transfer). With inflation …
Phillip Rosenheinrich
Phillip Rosenheinrich
Phillip, who is the founder of Pointalize, has simplified credit card rewards into straightforward and practical strategies. He has traveled to 62 countries and employs his knowledge as an IT Program Manager with more than 11 years of experience to assist the readers in transforming points into first-class travel experiences. He has an M.Sc. in Computer Science and Economics.
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Best No-Annual-Fee Cashback Credit Cards (2025)
3 minutes readQuick Summary Flat-rate ~2% = simple, less upside. Foodies/commuters: 3–4% dining/transit; watch FTF & redemption floors. Grocery-heavy: 5% up to monthly/quarterly caps. Travelers: portal bonuses + no foreign fees preferred. Hate tracking? …
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Proven Ways to Maximize Credit Card Travel Rewards in 2025
10 minutes readQuick Summary The Golden Rule: Don’t settle for 1 cent per point. The single biggest key to maximizing credit card travel rewards is understanding that their value is not fixed; it’s a …
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How to Maximize Points & Miles: A Complete Travel Rewards Guide
10 minutes readQuick Summary The Golden Rule: Don’t settle for 1 cent per point. The single biggest key to maximizing travel rewards is understanding that their value is not fixed; it’s a variable you …
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Balance Transfers: Pay Off Credit Card Debt Faster
9 minutes readQuick Summary A balance transfer is a powerful debt-fighting tool. It allows you to move high-interest credit card debt to a new card with a 0% introductory APR, typically for 12 to …
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Executive Summary: Your Credit Utilization System Your credit utilization ratio is the second most important variable in your credit score algorithm, yet it’s the one you can control the fastest. As an …