Travel rewards
Pay cash or use points? Compare the same trip
Calculate what a points booking saves after its cash charges, using two simple examples and the conditions that can change your decision.
Credit-card guides — page 5
Keep browsing practical guides, or choose a topic to find the explanation you need.
Guides — page 5
34 guides · Page 5 of 6
Borrowing costs
A cash advance repaid next week can still be expensive
See why a short borrowing period does not remove cash-advance fees, with a clearly qualified example separating upfront charges from daily interest.
Paying down a balance
Before a balance transfer, work out the monthly payment
Turn a balance-transfer fee and an end date into a realistic payoff plan. See how a $4,800 transfer becomes a $309 payment over 16 payment dates.
Understanding borrowing costs
0% APR and deferred interest: one difference that can cost you
Learn what happens to an unpaid balance when a 0% APR promotion ends, how deferred interest differs, and how to set a payoff deadline with room to spare.
Spending abroad
Pay in local currency abroad—and check this separate card fee
Foreign transaction fees and checkout currency conversion are separate costs. Use a simple $200 example to compare them before your next trip.
Your first account
Your first student card: which balance should you pay?
Understand the statement balance, current balance, and minimum payment on a first student credit card, with a practical first-month routine.
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