Citi credit cards: Best time to apply based on offer history

When you’re considering a new credit card, you’ll want to factor in the value of its welcome bonus. That’s because many welcome offers provide a sizable chunk of a card’s first-year value. Most credit cards will occasionally offer elevated bonuses for new cardholders, which means the number of points you collect upfront will vary. With…

Reader mistake story: 4 travel insurance errors to avoid

Charles and Linda Stricker made four common but disastrous travel insurance mistakes before, during and after their last vacation. Those easily avoidable errors put nearly $3,000 of the couple’s cash in peril. The Strickers’ problems began when they purchased a comprehensive travel insurance policy but neglected to read it. That oversight caused a cascade of…

Which Sapphire product is best? 2 TPG experts vehemently disagree

Nick Ewen: Hey, everyone! Nick Ewen, senior editorial director here at The Points Guy, and really excited to talk about one of my favorite card products that just underwent a major refresh. This is the Chase Sapphire Reserve® (see rates and fees), one of the 20-plus cards that I currently carry in my wallet, and…