Run the Numbers.
Keep the Rewards.
Credit card strategy, budgeting systems, and wealth-building frameworks. I run the numbers so you keep more of what you earn.
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15+ Card Reviews|
Avg Audit Savings $1,020/yr|
Zero Fee Strategies Available|
Earn Rates Verified Day-Of|
New Review Every 7-10 Days|
Welcome Bonuses Tracked|
15+ Card Reviews|
Avg Audit Savings $1,020/yr|
Zero Fee Strategies Available|
Earn Rates Verified Day-Of|
New Review Every 7-10 Days|
Welcome Bonuses Tracked|
Latest Articles
Fresh Strategy. Real Math.
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Credit Card Reviews & ComparisonsChase Ink Business Cash vs Unlimited: Which Ink Should You Get?
Credit Card StrategyHow to Improve Your Credit Score (11 Strategies)
Credit Card Reviews & ComparisonsBilt Credit Card Review: Best No-Fee Catch-All?
Credit Card Reviews & ComparisonsBilt Obsidian + Sapphire Preferred: Best Duo?
Credit Card Reviews & ComparisonsBilt Palladium vs Venture X: Which Catch-All Wins?
Top Picks
Cards I Recommend
Best Beginner Travel$95/yr
Chase Sapphire Preferred
Dining3x
Travel2x
Chase Travel Portal5x
Other1x
Earn up to 75,000 points (see terms)
See Current OfferTerms apply. Affiliate link.
Best $0 Fee$0/yr
Capital One Savor
Dining3%
Entertainment3%
Grocery3%
Other1%
$200 cash bonus (see terms)
See Current OfferTerms apply. Affiliate link.
Best Business$0/yr
Chase Ink Business Cash
Office/Internet5x
Gas/Dining2x
Other1x
Earn up to $750 cash back (see terms)
See Current OfferTerms apply. Affiliate link.
On YouTube
Watch the Strategy in Action
Wells Fargo Attune: The Hidden Gem That Fits ANY Wallet
Grand Hyatt Tampa Bay| Worth Your Hyatt Free Night Award?
STOP Sleeping on This No Annual Fee Travel Card | Wells Fargo Autograph Review
Michael Martinez Finance on YouTube
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1:1 Spend Audit
Your Spending.
Optimized.
I map your spending category by category and build a custom credit card plan. Most people find $500-1,000+ in annual rewards they were leaving on the table.
Book My Spend Audit – $97Dining1x3x +$360/yr
Groceries1x3% +$288/yr
Gas1x2x +$144/yr
Internet/Phone1x5x +$120/yr
Everything Else0%1.5% +$108/yr
Annual Rewards Found$1,020
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Smarter Strategy.
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