Credit Card Review Articles
Expert analysis of the latest credit card offers, focusing on maximizing rewards, points, and cashback opportunities for savvy consumers.
Attune Your Wallet: Does Wells Fargo Out-Prime Amazon Credit Cards?
October 22, 2025
by: Rich C.
The Amazon Prime Visa credit card's 5% cash back seems unbeatable for Amazon spending—but a comprehensive analysis reveals the Wells Fargo Attune card's hidden 4x earning on Amazon purchases, combined...
Chase Sapphire Preferred: Still Pointless After the Reserve Refresh?
October 15, 2025
by: Rich C.
After declaring the Chase Sapphire Preferred a "pointless" travel card earlier this year, the Sapphire Reserve refresh forced a complete reassessment. With new earning rates, the ability to hold both ...
Human vs. AI: The Ultimate Cashback Wallet Showdown—Can the Smartest Computers Build a Better Credit Card Strategy?
October 8, 2025
by: Rich C.
In an unprecedented experiment, we pit human-curated cashback wallet setups against leading AI language models including ChatGPT-5, Claude Sonnet 4.5, and Grok 4 to determine whether artificial intell...
The Top 10 Most Popular Credit Cards in Q3 2025: Driven by Real User Data and Traveler Demand
October 1, 2025
by: Rich C.
Drawing from anonymized data across 6,500 users on RICHwithPOINTS.com, Q3 2025 rankings reveal refreshed premium travel cards surging, cash-back stalwarts holding firm, and renter-focused innovators c...
The American Express Platinum "Refresh": Data-Driven Analysis of the $895 Premium Status Card
September 23, 2025
by: RICH with POINTS
A comprehensive analysis of the American Express Platinum card refresh, examining whether the increased annual fee and new benefits truly justify the upgrade or if this represents mere inflation disgu...
The NEW City Strata Elite: Is It Really That Disappointing?
September 16, 2025
by: RICH with POINTS
A comprehensive review of the Citi Strata Elite credit card, analyzing its features, benefits, and value proposition compared to other premium travel cards.
Atmos Rewards Credit Cards: A New Era for Alaska and Hawaiian Airlines Loyalty Programs
August 26, 2025
by: RICH with POINTS
The merger of Alaska Airlines' Mileage Plan and Hawaiian Airlines' HawaiianMiles into the unified Atmos Rewards program marks a significant shift in the airline loyalty landscape.
The Ink Business Cash Card: A No-Fee Cash Back Contender for Savvy Entrepreneurs
July 7, 2025
by: RICH with POINTS
The Ink Business Cash Credit Card offers 5% cash back on office supplies, internet, cable, and phone services, plus 2% on dining and gas with strategic optimization potential.
Chase Points Boost Hands-On Review: A Real-World Key West Hotel Test Reveals Why This Changes Everything
June 25, 2025
by: RICH with POINTS
An in-depth field test of Chase Points Boost using actual Key West hotel searches reveals competitive pricing, genuine 2x value, and why this simplified redemption system might revolutionize how we th...
The New Chase Sapphire Reserve: How Chase Made Something So Much Better and So Much Worse at the Same Time
June 19, 2025
by: RICH with POINTS
A comprehensive analysis of the refreshed Chase Sapphire Reserve card with its $795 annual fee, examining whether the dramatic changes and expanded benefits justify the premium or represent a step bac...
The Langley Federal Credit Union Signature Cashback Card: Spies, Lies, and 10% Cash Back
June 16, 2025
by: RICH with POINTS
An in-depth review of the surprisingly competitive Langley Federal Credit Union Signature Cashback Card, featuring an unprecedented 10% unlimited cash back offer for six months and intriguing connecti...
The Top 10 Most Popular Credit Cards in Q2 2025: What Real User Data Reveals About Consumer Preferences
June 9, 2025
by: Rich C.
Based on data from over 4,000 users and 1,200 complete wallet profiles, we reveal the most popular credit cards of Q2 2025, uncovering surprising shifts in consumer behavior and the cards that truly d...
The Citi Strata: A Thin Veneer Over Solid Strategy or Just Bedrock-Level Basics
June 2, 2025
by: RICH with POINTS
An in-depth analysis of the new Citi Strata card that replaces the Rewards+ card, examining whether this no-annual-fee offering delivers meaningful value or merely serves as a gateway to Citi's premiu...
The Ultimate Gas Station Credit Card Guide: Uncovering the Hidden Hotel Card Champions
May 5, 2025
by: RICH with POINTS
A comprehensive analysis of the best credit cards for gas station spending in 2025, revealing why hotel cards dominate the category and how spending caps rarely matter for typical drivers.
The Ultimate Credit Card Duo Analysis: Which Two-Card Combination Actually Wins in 2025?
April 7, 2025
by: Rich C.
A comprehensive data-driven analysis revealing the best two-card credit card combinations for different spending profiles, from cash-back simplicity to transfer partner optimization, based on real-wor...
The Chase Freedom Trilogy: A Complete Guide to No-Fee Earning Power in the Ultimate Rewards Ecosystem
March 18, 2025
by: RICH with POINTS
An exhaustive analysis of all three Chase Freedom cards—the Flex, Unlimited, and legacy Freedom—revealing how these no-annual-fee cards can become the cornerstone of a sophisticated points earning str...
The Grocery Showdown: Blue Cash Preferred vs. American Express Gold - Which Card Actually Wins?
March 10, 2025
by: RICH with POINTS
An in-depth analysis settling the heated debate between the American Express Blue Cash Preferred and Gold cards for grocery spending, revealing the truth behind point valuations and spending caps.
Has the American Express Gold Lost Its Grocery Crown? A 2025 Deep Dive Into the King of Cards
March 3, 2025
by: Rich C.
With a $325 annual fee and fierce competition from PayPal debit cards, AAA rewards, and cash-back alternatives, we investigate whether the American Express Gold still reigns supreme for grocery spendi...
The Hilton Honors Card: Why This No-Fee "White Card" Deserves More Than Black Sheep Status
February 12, 2025
by: Rich C.
A comprehensive analysis of the American Express Hilton Honors card revealing how this overlooked no-annual-fee option delivers competitive value through strategic status upgrades and serves as the id...
The Hilton Surpass Card: How American Express Created a "Virtually Free" Hotel Card That Actually Pays You to Hold It
February 11, 2025
by: Rich C.
A comprehensive analysis of the American Express Hilton Surpass card, revealing how its $200 annual credit system can reduce the effective annual fee to negative $50 while delivering competitive earni...
The Hilton Honors Aspire: Why This $550 "Monster Card" Can Be Essentially Free for Hilton Loyalists
February 10, 2025
by: RICH with POINTS
A comprehensive analysis of the American Express Hilton Honors Aspire card, examining how its massive credit system can reduce the effective annual fee to just $50 while delivering unmatched earning r...
The World of Hyatt Business Card: Where Simplicity Meets Sophisticated Rewards Strategy
February 4, 2025
by: Rich C.
A comprehensive analysis of the World of Hyatt Business credit card revealing how this $199-fee business offering combines automatic elite status with flexible category selection to deliver outsized r...
The World of Hyatt Credit Card: A Hotel-Focused Strategy That Skipped Leg Day
February 3, 2025
by: RICH with POINTS
A comprehensive analysis of the Chase World of Hyatt credit card examining whether its impressive 9.5x earning rate on Hyatt properties and instant elite status can overcome fundamental limitations in...
The American Express Blue Business Plus: Why Business Class Gets All the Perks
November 18, 2024
by: RICH with POINTS
A deep dive into American Express Blue Business Plus reveals how Amex prioritizes business customers while leaving personal cardholders without essential everyday spending coverage - and why this stra...
Bank of America Credit Cards: A Comprehensive Review of All Five Options
Recently published
by: Rich C.
An in-depth analysis of Bank of America's complete credit card lineup, including travel and cash back options, plus the game-changing Preferred Rewards tier system.