Q4 2026's rotating 5% categories are live: Chase pays at grocery stores and dining, Discover covers restaurants, entertainment, and utilities. Here's every card's categories, caps, activation deadlines — and how to max them.
A welcome bonus can be worth hundreds of dollars — but only if you're eligible to earn it. Here's how sign-up bonuses work, what minimum spending really means, and the Chase and Amex rules that decide whether you'll get one.
A point has no fixed value — it's worth whatever your redemption buys. Cash back is always 1 cent; transferable points range from 0.6 to 2+ cents.
Your card's real rewards rate is the dollar value you actually get divided by what you spent. Here's the simple formula, plus worked examples.