PointAlchemy Blog

Point valuation updates, strategy insights, and credit card news.

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The Best Credit Cards for Groceries in 2026

From the Amex Gold's 4x Membership Rewards to the no-fee Citi Custom Cash, here's exactly which grocery card makes sense at every spend level — and why the earning caps matter more than you think.

February 5, 20269 min read

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.

January 24, 20269 min read

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.

January 21, 20268 min read