Quick Summary The answer to “what is the best credit card” is always the one that pays you the most for your actual spending, not the one with the flashiest ads. I …
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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Points vs. Cash Back: Which Credit Card Rewards Are Best?
7 minutes readQuick Summary The best Credit Card Rewards strategy depends on your goals and spending habits: points offer higher potential value for travel, while cash back provides ultimate simplicity. I use a mix …
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What Is a Credit Card?
9 minutes readQuick Summary The core answer to “What Is a Credit Card?” is that it’s a tool for borrowing money from a bank to make purchases. It isn’t your money, and you are …
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Steal My Asia Travel Itinerary: A Day-by-Day Guide
14 minutes readQuick Summary Includes a full breakdown of how I booked business class flights and luxury hotels using points and miles. Asia travel itinerary route overview covering Indonesia, Singapore, and Thailand. Top destinations …
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How Fast Can You Improve Your Credit Score with 5 Steps
7 minutes readQuick Summary The answer to How Fast Can You Improve Your Credit Score is about 30-60 days for the most impactful steps. I used this 5-step system to boost my score by …
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Turkish Airlines Business Class Review: Worth It?
12 minutes readQuick Summary This turkish airlines business class review explains the differences between the 787/A350 suites and the older 777/A330 cabins, so you book the right aircraft for your trip. Strengths include a …
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What are Amex Membership Rewards points worth?
10 minutes readQuick Summary The short answer: a Membership Rewards point is worth anywhere from 0.6 to over 10 cents. Our official valuation is 2.0 cents per point, placing it among the most valuable …
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How to Use Aeroplan Points for Maximum Value (2025 Guide)
8 minutes readQuick Summary This guide provides a detailed answer to how to use Aeroplan points for incredible travel experiences, focusing on strategies that deliver maximum value. The key to getting outsized value is …
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How to Transfer Chase Points for Maximum Value
9 minutes readQuick Summary This guide explains how to transfer Chase points to airline and hotel partners, which is the key to unlocking maximum value from your Ultimate Rewards. Transferring points almost always provides …
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The Best Hotel Loyalty Programs Ranked for 2025
8 minutes readQuick Summary This guide ranks the best hotel loyalty programs for 2025 based on point value, elite benefits, and global footprint, helping you decide which program is right for you. World of …