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Strategic advice for maximizing credit card rewards

Two stylized credit cards with a flowing arrow representing a balance transfer
GuideBeginnerStrategy

Balance Transfer Cards: How They Work, What They Cost, and How Much Credit You'll Get

A practical guide to 0% balance transfer cards in 2026 — fees, intro periods, credit limits, and the mistakes that quietly cost people thousands.

CreditOdds|May 2, 2026
10 min read
Credit Utilization Explained: How It Actually Works, the Carry-a-Balance Myth, and the Numbers That Move Your Score
GuideBeginnerStrategy

Credit Utilization Explained: How It Actually Works, the Carry-a-Balance Myth, and the Numbers That Move Your Score

What credit utilization actually is, the math credit bureaus use, the 30% rule (and why 9% is better), and the score-killing myths people still believe in 2026.

CreditOdds|May 2, 2026
13 min read
Can You Get Multiple Citi Custom Cash Cards to Maximize 5%?
StrategyGuide

Can You Get Multiple Citi Custom Cash Cards to Maximize 5%?

Learn how to stack multiple Citi Custom Cash cards to earn 5% back on several spending categories at once.

CreditOdds|Feb 4, 2026
3 min read
The Chase 5/24 Rule Explained: What It Is and How to Work Around It
GuideStrategyBeginner

The Chase 5/24 Rule Explained: What It Is and How to Work Around It

Everything you need to know about Chase's infamous 5/24 rule and strategies to maximize your approvals.

CreditOdds|Feb 3, 2026
5 min read