The SwipeCaddy blog
Honest card math, written from the same data that powers our rankings — no affiliate links, ever.
Paying rent with a credit card: the 3% surcharge math most sites skip
Rent processors typically add a ~3% card fee, so a 2% card loses money on rent. The full break-even math, when the fee is worth eating, and the fee-free path.
By Jangul Aslam · Published July 10, 2026
How we value points and miles (and why our numbers are lower than everyone else's)
SwipeCaddy ranks every card by a conservative cash value per point — 1¢ for Chase and Amex points, 0.4¢ for Hilton. Here's the full table and the reasoning.
By Jangul Aslam · Published July 10, 2026
Why Walmart and Target don't count as groceries on your credit card
Most issuers exclude superstores and warehouse clubs from grocery bonus categories. Here's why your 6% grocery card pays 1% at Walmart — and what to use instead.
By Jangul Aslam · Published July 10, 2026