Latest posts
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How to Value Amex Platinum Credits Without Using Inflated Math
Use replacement cost, natural usage, and opportunity cost to estimate the real value of Amex Platinum credits.
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Is an Amex Platinum Authorized User Worth the Additional Cost?
A decision framework for comparing an additional-card cost with benefits the added cardholder will genuinely use.
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Which Purchases Should Go on the Amex Platinum?
Choose purchases by verified earning rates, protections, credits, and the value of your best alternative card.
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Is a Credit Card Annual Fee Worth It? A Practical Renewal Test
A conservative annual-fee renewal framework comparing realistic rewards and credits with a no-fee alternative.
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Cash Back vs. Points Credit Cards: Which Is Better for Your Spending?
A dollar-based comparison of cash-back and points cards using redemption values, fees, caps, and booking restrictions.