What the Data Tells Us About Annual Fees

The more you spend each year, the more likely paying an annual fee will pay off in the long run. $12,000 a year in spending seems to be the tipping point.

How to Convert Chase Cash Back Into Ultimate Rewards

Combine a Chase Freedom card with an Ultimate Rewards card to get the best of both worlds.

GigaPoints Guide to Credit Scores

Credit scores are the report cards of adulting. But just how important is your grade?

4 Things to Do with Your New Chase Sapphire Preferred Card

Make sure you maximized the benefits from your Chase Sapphire Preferred

The Complete Guide to Delta SkyMiles

Delta’s SkyMiles program doesn’t offer the most valuable rewards. But it is easy to earn SkyMiles, and if you put in the extra effort required to book with partner airlines, you can get some more bang for your points.

Should You Cancel Your Credit Card?

The decision depends on the card—and your reasons for wanting to let it go.

7 Things to Do With Your New Chase Sapphire Reserve Card

This card’s benefits, like airport lounge access and food-delivery credits, can be really valuable—if you activate them.

How to Choose the Best Credit Card for You

Start by figuring out what is most important to you. Then consider using the GigaPoints Analyzer tool.

The GigaPoints Guide to Credit Card Annual Fees

It might feel weird to pay for the “privilege” of carrying a credit card. But it can often pay off in the long run.

Welcome Bonuses 101

Some credit card companies pay big incentives to get customers. We answer your big questions.

When It Comes to Credit Cards, Don’t Be an April Fool

These introductory tips can help you avoid being an April Fool with your credit cards.

Merchant Codes: What They Are and Why You Should Care

Merchant Category Codes (MCCs) determine how bonus categories are assigned for credit card spending.

Why Are Some Points Worth More Than Others?

Some points are a lot more valuable than others. This is why.

Chase Ultimate Rewards Points Value

How much are Chase Ultimate Rewards worth? GigaPoints says 1.8 cents each. Here is how we got there.

The Complete Guide to Accor Live Limitless (ALL)

Accor Live Limitless (ALL) isn’t well-known in the U.S., but it’s an excellent hotel loyalty program if you spend a lot of time in Europe or stay at the upscale Fairmont brand.

The Complete Guide to American Airlines AAdvantage

AAdvantage has a large flight network and lots of partners, but availability can be hard to come by.

The Complete Guide to Alaska Airlines Mileage Plan

Alaska’s Mileage Plan offers some good flight values along with an interesting partner network.

The Complete Guide to United MileagePlus

MileagePlus offers good values for flights, assuming you can find availability which has become harder of late.

The Complete Guide to JetBlue TrueBlue Rewards

The strength of TrueBlue Rewards is in its simplicity. But there are limited ways to use rewards, and the number of points needed to book a flight is tied to its dollar price, so you won’t find any amazing deals.

Booking Experiences With Points

You can use points for much more than flights or hotel nights. But are these unique “experiences” worth it?

The Complete Guide to IHG Rewards Club

IHG Rewards Club members have many different ways to earn and redeem their points, but there isn’t much value in redemption options.

The Complete Guide to Citi ThankYou Rewards

With 15 airline transfer partners, Citi ThankYou Rewards are relatively flexible and can get you some great back-door deals. But only two premium cards let you get full value from the points, and they still don’t measure up to Chase Ultimate Rewards and Amex Membership Rewards.

The Complete Guide to Southwest Rapid Rewards

Rapid Rewards is a lot like Southwest: functional, friendly and focused on good value. Read on for everything you need to know.

The Complete Guide to Marriott Bonvoy Rewards

Marriott has one of the biggest footprints in the hotel industry, but Bonvoy Rewards don’t go very far. Read on to find out why.

The Complete Guide to Hilton Honors Rewards

Hilton points aren’t super valuable, but they are easy to rack up.

The Complete Guide to World of Hyatt Rewards

Hyatt may have fewer hotels than competitors, but its loyalty program gives members great value.

The Complete Guide to Discover It Miles

This may not be the most lucrative program, but Discover It Miles are definitely easy to use.

The Complete Guide to Capital One Miles

CapitalOne miles are easy to use, and new transfer partners offer some interesting value.

The Complete Guide to American Express Membership Rewards

Membership Rewards is one of the top credit-card loyalty programs, because the points can be used in so many ways. But there are weaknesses, too.

The Complete Guide to Chase Ultimate Rewards

The name is fitting. Versatile and valuable, Chase Ultimate Rewards might be the best credit-card points of all.