December 31 is a hard deadline for quarterly credits, annual perks, and rotating-category caps. Run this year-end checklist now — credits, points, fees, and taxes — so nothing valuable expires on your watch.
Most credit card rewards are never taxed — the IRS treats them as rebates, not income. But referral bonuses and no-spend sign-up bonuses are a different story. Here's exactly where the line is.
A foreign transaction fee adds 1–3% — usually 3% — to every purchase processed outside the U.S., and it can hit you without ever leaving home. Here's what triggers it, what it really costs on a trip, and how to never pay it.
Is a $95 or $795 annual fee ever worth it? The answer is arithmetic, not loyalty. Here's how to run the fee math honestly — including the credits, perks, and break-even points most comparisons skip.
A $795 or $895 annual fee only makes sense if the credits and perks you will actually use exceed the fee. Here is the break-even math, done honestly.