Zero-rate cards can make sense for some, but do think about what happens after the higher rate kicks in. The right cash back credit card can earn you hundreds, or thousands of dollars a year for free.

Double-dip on savings by using your rewards credit card in tandem with a cash-back app or site. Here are some of our favorite ones and how they work. Many or all of the products on this page are from ...

Listening to your friend describe their latest vacation, one detail stands out: They used airline miles and hotel points to defray the cost — all thanks to their credit card rewards. This approach ...