GUIDES

Explore Wallet Thesis by card, issuer, and strategy.

Premium cards

Whether a premium card's annual fee earns its keep, card by card.

Chase Sapphire ReserveAmex PlatinumAmex GoldSchwab PlatinumWells Fargo AutographWells Fargo Autograph PremierBilt Palladium

Issuers

AmexChaseWells FargoBilt

Strategy

Annual FeesCreditsCancellationsStrategyInvesting Rewards

Points & rewards

PointsDining

Annual fee decisions

Keep, downgrade, or cancel — the math behind each call.

Annual Fees
See all annual fee coverage →

Cards I actually carry

The current wallet, and why each card earned its spot.

Why My Amex Gold Is Basically FreeHow I Use the Schwab Platinum Card to Turn Credit Card Rewards Into InvestmentsHow I Use the Chase Sapphire Reserve $300 Dining Credit in San FranciscoI’ve Had Both Wells Fargo Autograph Travel Cards. The Premier Autograph Is the One I’d Keep.

When to cancel a card

Signals that a card has stopped paying for itself.

Cancellations