Strategy articles.
Strategic advice for maximizing credit card rewards

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
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
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
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