PointAlchemy Blog
Point valuation updates, strategy insights, and credit card news.
Earning Caps Explained: What Happens When Your Bonus Category Runs Out
Most credit card bonus categories have spending caps that drop your earning rate to 1x after a threshold. Here's the math on how caps affect the Amex Gold, Citi Custom Cash, Freedom Flex, and more — and why families should pay extra attention.
March 28, 20269 min read
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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
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