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Your guide to smarter rewards, simpler choices, and better travel.

Point of Points was created to make credit cards and rewards easy to understand — even for beginners. We break down complex programs, highlight card features that actually matter, and share practical tips to help you get more value from every dollar you spend. Whether you’re looking for your first rewards card, trying to maximize travel points, or simply hoping to make smarter financial decisions, our goal is to give you clear, honest guidance without the confusion.

We focus on education first. No hype, no jargon — just straightforward explanations, beginner-friendly tools, and strategies that help you get the most out of your credit card rewards. From cash back and travel points to small business credit and credit-building options, Point of Points is here to help you understand what’s available and how to use it effectively.

At the end of the day, our mission is simple: help you earn more, travel better, and choose credit cards with confidence.

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In a perfect world, no one would carry a balance on their credit card. We would all pay our bills in full each month and never have to worry about

How Is Credit Card Interest Calculated?

So your bank tells you that your credit card has a 15% APR. What does that actually mean? How does your bank calculate your interest rate, and how does that translate into how much you actually pay? …

What Is a Balance Transfer, and Should I Consider Doing One?

In a perfect world, no one would carry a balance on their credit card. We would all pay our bills in full each month and never have to worry about

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