Wells Fargo Attune World Elite Mastercard — new card!

I’ve never had the desire to get any Wells Fargo card. They have the famous Bilt Mastercard, which offers 1× on rent, but it still looks generally unappealing to me as an infrequent traveler since points are redeemed at 0.5cpp cash back. The 2% Active Cash cash redemption options are limited. However, Wells Fargo recently

Discover It Cash Back Retention Offers — 8% back on rotating, 4% back flat

This is going to be a short post, but today I learned that you can get what they call “retention offers” on the Discover It Cash Back card. Meaning, you apply for the card. Then, after a year, you open the Discover chat feature and type in something along the lines of, “I’m thinking of

My (irrational, inefficient) financial and credit card goals

If I were asked to educate the general population on financial wellness, I’d tell them to max out their 401ks and Roth IRAs. Especially Roth IRAs, due to no penalty for withdrawal after 5 years. I don’t max out my 401k or Roth IRA. I contribute a measly 2% of my income (previously 1%) and

How to Get Rich with Credit Cards and a Budget

I think we should all budget. Budgeting and investing are probably the fastest ways to build wealth in the long-term. If you save $5 a day, or $150 a month, and we dump it into some ETF such as VOO/VTI/FXAIX (the latter of which is heavily endorsed by my boyfriend) with an average of a

US Bank Credit Card Application Rules and More

US Bank arguably has some of the most lucrative credit card cash-back offers. They are also known for being stingy with their credit card approvals; several datapoints indicate that applicants with a 800+ FICO score, a high income, and 10+ year credit history often get denied or given a $500 limit. Today I will discuss

Team Cash-back versus Team Points/Miles — which one wins?

Everyone who owns more than a couple credit cards picks one of these two sides: team cash-back or team points/miles. I’m convinced that the difference in one’s preference solely depends on his or her impulse control. Everyone in the USA loves to spend money. That’s just the effect of the capitalistic society we grew and

The power of rotating 5% cards

Two well-known rotating cards include the Chase Freedom Flex (Mastercard) and Discover It Cash Back (Discover). A lot of people scoff at these two cards, saying that they are “beginner” cards that they got when they were young and that they have better options to maximise their cash back rewards nowadays. Some examples of their