Welcome Bonuses vs Everyday Spend
How to balance big welcome bonuses with the rewards you earn on everyday spending—so you know when to chase a new offer and when to focus on the cards you already have.
How to Evaluate a New Credit Card
A simple framework for deciding whether a new credit card is really worth it—looking at your goals, total cost, welcome offer, ongoing rewards, and how the card fits into your existing wallet
How We Rank Credit Cards and Welcome Offers
How SpendAndReward estimates first‑year and ongoing value for credit cards—combining welcome offers, rewards, credits, and fees to keep rankings realistic and comparable.
Getting Started with SpendAndReward
A quick guide to setting up SpendAndReward, adding your cards, and finding the best card for each merchant