The Ledger

Proprietary strategies and card intelligence.

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 …

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

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 …