Jackie Lam

The Blue Cash Preferred credit card from American Express offers 6% cash back at U.S. supermarkets & on U.S. streaming subscriptions, plus 3% cash back on U.S. gas stations & transit expenses (on eligible purchases). It offers 1% cash back on all other purchases, rotating offers from major retailers. Cash back is received as Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

A balance transfer moves debt from a high-interest card to one with a 0% intro APR, helping you save on interest. To do it, choose a card, check fees, apply, and transfer the balance while creating a repayment plan to avoid interest after the promo period. Avoid new debt on old cards and ensure savings outweigh fees. Read the full article for a step-by-step guide and best practices.

The Blue Cash Everyday® Card from American Express is a solid, no-annual flat cash back card for everyday purchases. It's best if you aren't a huge spender on essentials or put a lot of miles on your car. But if you go hard on certain everyday purchases—like groceries or gas—you might want to consider a cashback card with the potential to earn more points and a greater annual spending amount.

A balance transfer card can save you interest by moving debt to a 0% intro APR card, but fees (3%–5%) add costs. To decide if it’s worth it, compare savings to fees and have a repayment plan. Choosing a low-fee card, negotiating, or transferring less can help. Avoid new debt to make it effective. Read the full article for tips on maximizing savings and avoiding pitfalls.

The Citi Simplicity® card, from our partner, can be a good fit for you if you're looking for a balance transfer card – without getting hit with any late fees or an annual fee. If you're shouldering a hefty credit card balance, this card can help you knock down your debt with its generous 21-month zero-interest balance transfer and zero-interest intro APR for 12 months.

A fresh rebrand of the Citi Rewards+ card (RIP), the Citi Strata℠ card from our partner offers a robust rewards structure that includes 5x points on travel and 3x points on spending categories of your choice. For a no-annual-fee card, it’s a solid choice if you want a cash back rewards card that spans both travel and everyday spending.

American Express Membership Rewards lets cardholders earn points for travel, statement credits, gift cards, and more. Maximize rewards with spending multipliers, welcome bonuses, and Amex Offers, or transfer points to travel partners for added value. Choose a card that fits your spending and take advantage of promotions. Want to optimize your rewards? Read the full article for expert tips.

The Citi Strata Elite℠ card from our partner comes as an exciting addition to Citi’s premier card family. It has nearly $1,500 worth of value in perks, including up to $300 annual hotel benefit, a complimentary Priority Pass Select™ membership, and up to $200 in splurge credit each year. It might be worth its weight in the annual fee if you rack up plenty of rewards points and benefits.

Capital One Miles are a flexible rewards currency earned through Capital One travel credit cards, redeemable for travel, gift cards, online shopping, and even cash back. Maximizing their value involves using travel transfer partners, earning bonuses through strategic spending, and pairing a Capital One Miles card with a high-earning cash-back card.

The Citi® Diamond Preferred® credit card, from our partner, can be a strong addition to your arsenal if you're looking for a balance transfer with a luxurious 0% APR for 21 months. It can be a solid option if you'd like to transfer credit card debt from existing cards to this one. Outside of that, this card has few frills, perks, and features.