Pre-approval not only lets you check whether a bank is likely to approve your application, but sometimes it can also show targeted offers that are better than the standard public o...

This article summarizes useful information for new international students coming to the U.S. in 2025! It distills more than a decade of blog posts that are especially useful for ne...

We hope everyone—especially remote U.S. card enthusiasts—can make good use of this site’s resources and the services we provide, so your remote U.S. card journey goes more smoothly...

Air Canada will change how members earn Aeroplan points and qualify for Aeroplan elite status, and it will no longer be based on distance — it’s all about spending now! It will int...

Today I’m diving into two topics: 401(k) contributions and the backdoor Roth IRA. Once you know these two basics, the next article will cover the advanced mega backdoor strategy so...

Friendly reminder If you can’t use WeChat Pay but want to join the Planet, you can add the assistant (WeChat ID: uscards101), and we’ll handle another payment method. After we rece...

Thanks to the Knowledge Planet member 麦克白, there is now a yearly Pro discount code: UPGRADEDPOINTS, which gives 20% off and drops the annual fee to $79.99....

When applying for a credit card in the U.S., you usually need a Social Security Number (SSN) as proof of identity. However, new immigrants or international students may not have an...

About Most U.S. WeChat users are verified with a Chinese ID card, but if someone’s ID card expires, they can no longer keep using WeChat Pay. So here’s how to switch a WeChat accou...

The key advantage of retirement accounts is tax deferral or tax-free growth. That means you may not owe tax now, or you may avoid tax when you withdraw later—the tax timing gap can...

Today we’ll cover how to use Wise’s Transfer feature to handle one of the most annoying requirements in many bank-bonus applications: Direct Deposit....