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.
Credit Card Reviews & ComparisonsAmex Gold vs Capital One Savor: Is the Gold Worth the Fee?
Credit Card Reviews & ComparisonsBest Navy Federal Credit Cards: The $50 Cash Back Trifecta
Credit Card StrategyCapital One vs Chase: Why the Boring Ecosystem Wins in 2026
Credit Card Reviews & ComparisonsIs the Apple Card Worth It? (The Math Says No for Most)
Credit Card StrategyAlaska Atmos Summit: The Rent Strategy That Beats Bilt
Credit Card Reviews & ComparisonsAmex Green Card Benefits vs Chase Sapphire Preferred
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
IHG Points Are BROKEN | Here's My Full Credit Card Strategy
I Earned Over $8K in 2026 | What's in My Wallet & My Updated Strategy
5 Reasons Capital One's Ecosystem Outperforms Chase & Amex
Michael Martinez Finance on YouTube
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Your Spending.
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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.
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