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Choosing credit cards by what you actually spend, worked out with numbers.
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Which credit card should I get? Pick by what you actually spend
The short answer, a worked example on $24,000 a year, and when an annual fee pays off.
October 29, 2026 · 10 min read -
How to choose a credit card that pays you the most on your real spending
A step-by-step way to test any card against a year of your own statements, after fees, before you apply.
October 29, 2026 · 12 min read