PointAlchemy Blog
Point valuation updates, strategy insights, and credit card news.
Getting the Highest Earning Rate on Every Purchase: A Category-by-Category Guide
A full breakdown of the best credit card for every spending category in 2026 — dining, groceries, travel, gas, streaming, and the crucial "everything else" bucket — with exact rates, caps, and the math behind real annual value.
April 3, 202611 min read
categories
earning-rates
optimization
strategy
The Complete Guide to Building a Credit Card Portfolio in 2026
A single credit card caps your earning potential. A thoughtful portfolio of 2-4 cards can cover every spending category at 3x or better — here's exactly how to build one.
March 11, 202611 min read
portfolio
strategy
2026
credit-cards
optimization