Natasha Etzel

The average credit card balance rose to $6,768 in late 2025. With interest rates near historic highs, switching to a 0% APR strategy can save the average American over $1,500 in 18 months

Hero stat: Maximizers earn 3%–5% in bonus categories, while flat-rate cards offer a simple 1.5%–2% on everything. Choosing the right one depends entirely on your spending habits.

Small daily habits like a $7 latte can generate 4,500 points annually—enough to cover baggage fees or airport meals without changing your lifestyle.

Learn how to earn, redeem, and get the most value from Citi ThankYou® Rewards points — from everyday cash back to high-value airline and hotel transfers.

The Chase Ultimate Rewards® is a rewards program where users can earn Chase Ultimate Rewards® points through their Chase credit cards, which can be redeemed in many ways, including for travel or cash back. You can strategically maximize your earnings and get more value from your rewards through bookings made on the Chase Travel and Dining portals.

More than half of small business owners used personal savings to cover business expenses last year, putting their financial security at risk. Better cash flow management, financial separation, and strategic borrowing are more sustainable alternatives than dipping into personal funds.

You can earn high value from your spending without ever boarding a plane.

Frequent travelers have more options than ever for ways to earn travel rewards. Beyond general travel cards, hotel credit cards and airline credit cards are two choices. You can access hotel-specific or airline-specific perks and earn hotel-specific or airline-specific rewards.

Whether you combine your finances or keep them separate, credit cards can be a useful tool.

Holiday shopping can be expensive, but the right credit card helps you earn rewards, save on interest, and stretch your budget while you prep for the season.

The Citi Rewards+® Card, from our partner, is a solid choice for those looking to earn rewards on everyday purchases without paying an annual fee. It’s ideal for those who aren’t big spenders. It earns rewards at an evaluated rate on supermarket and gas station spending. However, the bonus rewards are capped at $6,000 in spending per year.

The Citi Double Cash® Card, from our partner, is a cash back rewards card with no annual fee. You can earn an unlimited 2% cash back rewards. You earn 1% cash back when you make a purchase and 1% cash back when you pay off the purchase. You must pay at least the minimum amount due each month to earn rewards with this credit card.

Previously known as the Citi Premier, the Citi Strata Premier®, from our partner, has been rebranded and includes new benefits. This rewards credit card has a $95 annual fee and earns bonus rewards in several popular everyday purchase categories — plus, there are no spending caps. New cardholders can earn a generous 60,000-point welcome bonus offer.