Independent money guidance for everyday decisions.
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PLANDIME
MONEY, MADE CLEARER.
PLANDIME CREDIT CARDS

Credit cards, without the sales pitch.

Compare rewards, fees and borrowing costs in plain English. Start with what you need the card to do, then choose the simplest product that does it well.

Start with your goal

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THE DECISION RULE

If you pay in full, optimize rewards. If you carry a balance, optimize interest first.

A 2% cash-back card can look attractive, but a high APR can erase years of rewards in a few months if you revolve a balance.

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Choose a card around a repayment plan

Start with the balance you expect to carry

If you expect to carry debt, compare borrowing costs before rewards. Write down the purchase rate, promotional end date, transfer fee and minimum payment. A reward on new spending can be outweighed by interest on an existing balance. Use the same purchase amount and payoff period when comparing two offers.

Give benefits a realistic value

Estimate rewards using the categories where you already spend. Treat an annual fee as cash leaving your budget, and count a credit only when its restrictions fit a purchase you would make anyway. A welcome offer can affect the first year without making the card a good long-term choice.

Read the conditions that change the outcome

Check whether rewards depend on a portal, enrollment or a spending cap, and review redemption options. For a balance transfer, confirm when the promotional rate ends and what happens to new purchases. Keep a calendar reminder before the introductory period expires.