File Nº 04 — United States Guides
Guides that show the working.
Plain-language guides to credit card rewards, points, and loyalty programs in United States — the math spelled out, no marketing copy, and a date on everything we publish.
- 10
- guides on file
Browse by topic
10 of 10 shownThe guide ledger
Card protections
The Credit CARD Act: Your Rights as a US Cardholder
Sep 25, 2026
Fees
US Credit Card Fees Explained: Annual, Foreign Transaction, Cash Advance and Late Fees
Sep 25, 2026
Basics
How Credit Card Interest and Minimum Payments Work in the US
Sep 25, 2026
Credit building
US Credit Reports and Credit Scores: How They Work and How to Check Yours
Sep 25, 2026
Card protections
Disputing Credit Card Charges in the US: Billing Errors, Chargebacks and Fraud
Sep 25, 2026
Credit building
Getting Your First Credit Card in the US: Secured Cards and the Under-21 Rules
Sep 25, 2026
Points strategy
How Credit Card Rewards Work in the US: Cash Back, Points and Miles
Sep 25, 2026
Loyalty programmes
Transferable Points and Airline Programs in the US: How Point Transfers Work
Sep 25, 2026
Travel
Using a US Credit Card Abroad: Foreign Transaction Fees, Currency Conversion and Cash
Sep 25, 2026
Questions
Guides, explained plainly
How do I get started with credit card rewards in United States?
Start by understanding your spending habits and choosing a card that rewards your top categories. The card ledger lists every United States card we hold, with fees and welcome offers where they are on record, so you can compare before you apply.
What is travel hacking?
Travel hacking is the practice of strategically earning and redeeming credit card points and miles to book travel at a fraction of the retail cost. This includes leveraging welcome bonuses, optimizing category spending, and transferring points to airline and hotel partners for outsized value.
Are these guides free?
Yes, all guides on PointsExplained are completely free. PointsExplained has no affiliate partnerships and earns nothing from card issuers. If that changes, any link that can earn a commission will be disclosed before it goes live. Nothing here is pay-to-rank.
How do I know when a guide was last changed?
Every published guide carries its last-updated date. Card offers and program rules move quickly, so confirm anything time-sensitive with the issuer or program directly before you act on it.