# Beginner Guides
2026 U.S. Bank Account Guide: How to Choose Between Chase, BofA, Citi, US Bank, and Other Banks
If you’ve just moved to the U.S., the most practical approach is still to first look at which banks are near your home, school, or workplace. Chase, BofA, Wells Fargo, or the very...
2026 U.S. Credit Card Application Roadmap: From Your First Card to Advanced Users
What really makes a U.S. credit card application roadmap useful is not telling everyone, “What should you apply for as your sixth card?” but helping you understand where you are no...
Chase Ultimate Rewards (UR) Guide: Earning, Chase Travel, and Transfer Partners
Ultimate Rewards (UR) is the points system for certain Chase credit cards. You can earn UR points through spending and other methods, and UR points are quite flexible: they can be...
2026 Credit Card Points, Airline Miles, and Hotel Points Valuations and Analysis
The purpose of this article is simply to give readers a rough idea of how much points are worth, so you have a benchmark when redeeming them. I also hope that the value-maximizatio...
14 Things to Know About Wells Fargo Credit Cards
Wells Fargo has not been especially active in the credit card space. Most of its cards have no annual fee, and the welcome bonuses are generally not very high. The application requ...
17 Things to Know About Bank of America (BofA) Credit Cards
One of the defining traits of BofA credit cards is stability. The benefits are generally practical and straightforward, without many flashy gimmicks, and most of the cards have no...
17 Things to Know About Citi Credit Cards
In this post, we’ll go over some things you should know about Citi credit cards....
ENC Mobile U.S. SIM: New users get $15, student discount; usable long-term in China!
ENC Mobile now supports both the ENC-A and ENC-T U.S. networks, so you can choose the one that best matches coverage in your area. It also adds ENC-T Unlimited Pro, which costs $50...
Beginner’s Guide: How Do You Use U.S. Credit Cards? Can They Save You Money and Even Earn You Money?
This article is mainly for beginners who are just getting started with U.S. credit cards. We won’t get into dozens of cards yet, and you do not need to master airline miles, hotel...
How to Cut Down on Junk Mail: OptOutPrescreen.com Can Help!
If your home keeps getting credit card, auto loan, and insurance offers marked “Pre-Approved,” “Pre-Selected,” or “Prescreened,” you can opt out of the credit bureaus’ pre-screened...
U.S. brokerage BBAE: The account-opening bonus threshold has increased, with up to $650 available; you can sign up with just an ID card!
BBAE has updated its user rewards. The threshold for the new-user bonus is now higher, but the $50 bonus available through our channel remains unchanged. Users who signed up earlie...