PointAlchemy Blog
Point valuation updates, strategy insights, and credit card news.
How Credit Card Transfer Partners Work: The Complete Explainer
Transfer partners are the reason flexible points currencies are worth 2-3x more than cash back. Here's exactly how they work, when to use them, and why ratios matter more than you think.
Understanding Cents Per Point: The Single Most Important Metric
Cents per point (CPP) is the one number that tells you whether a redemption is brilliant or terrible. Here's how to calculate it, why it varies so wildly, and the three-tier framework that makes sense of it all.
Cash Back vs Points vs Miles: Understanding the Three Reward Types
Cash back gives you certainty. Points give you flexibility. Miles give you the highest ceiling. Here's how the three reward types actually compare — with real numbers.
Credit Card Rewards Explained: A No-Jargon Starter Guide
Credit card rewards aren't complicated — they're just poorly explained. Here's a plain-English breakdown of how rewards work, the three types that exist, and how to start getting more from cards you already have.