The Ledger

Proprietary strategies and card intelligence.

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GUIDES • 2 hours, 48 minutes ago

Bilt 2.0: The Rewards Program That Turned Into a Calculus Problem

Bilt 2.0 has transitioned from a simple "rent for free" perk to a complex "wallet capture" strategy that often fails the math test for rewards …

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Bilt 2.0: The Rewards Program That Turned Into a Calculus Problem
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CITI • 3 weeks, 4 days ago

How I Triple-Dipped the Citi Strata Elite in 48 Hours (and Accidentally Double-Dipped a Credit)

I opened the Citi Strata Elite on Dec 24 and triple-dipped almost immediately. I triggered the $200 splurge credit at Best Buy (plus 4k points …

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How I Triple-Dipped the Citi Strata Elite in 48 Hours (and Accidentally Double-Dipped a Credit)
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CHASE • 1 month ago

The Chase 5/24 Rule Is Still Alive — That’s Exactly Why I Built This Feature in WalletFreak

Chase’s "5/24 rule" is still very real in 2025, and the 48-month Sapphire rule is gone, replaced by once-per-lifetime bonus eligibility per product. I built …

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The Chase 5/24 Rule Is Still Alive — That’s Exactly Why I Built This Feature in WalletFreak
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STRATEGY • 1 month ago

If You Had $31,300 of Luxury Spend Before Year-End, How Would You Play It?

I turned $31k of luxury retail spend into a planning exercise by mapping wallets and thresholds first. We used a new Venture X for a …

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If You Had $31,300 of Luxury Spend Before Year-End, How Would You Play It?
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TIPS • 3 months, 3 weeks ago

Stop using your debit card for groceries. Period.

Stop using your debit card for groceries — it earns nothing, gives weak protection, and leaves huge value on the table. I run all my …

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Stop using your debit card for groceries. Period.
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TIPS • 4 months ago

The secret to waiving annual fees (Retention Offers)

I always call for retention offers right after an annual fee posts. I use a simple script, stay polite, and let the bank sell me …

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The secret to waiving annual fees (Retention Offers)