Your first card:
a beginner's
guide.

What's inside

• The one card I tell every beginner to start with — and exactly why
• How to hit your first welcome bonus without spending a penny more than you already do
• Chase vs. Amex vs. Capital One — which system is right for your family
• The 5/24 rule explained simply (and why the order you open cards matters)
• What to do with your points once you have them — transfers, portals, and sweet spots
• A 12-month beginner roadmap you can actually follow