Tools & links
Free resources
Everything I reference in my videos — calculators, guides, and useful links — centralized here so you don’t have to dig through descriptions.
Find your card
2 minutes. True-to-you card recommendations. Not based on who pays me the most.
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Faiq's wallet
The actual cards I carry and what I use each one for — not what pays the most commission.
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Run the numbers
Model any card against your real spending and see if the annual fee actually pays off.
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Card Calculators
Interactive calculators to crunch the numbers and see if a card is worth it for your specific spending
American Express
American Express Green$150/year
Model whether the $150 fee pays off based on your travel, dining, and CLEAR+ usage
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American Express Gold$325/year
Model whether the Gold earns back its annual fee for your spend
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American Express Platinum$895/year
Break down whether the $895 annual fee actually makes sense for you
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Capital One
Chase
American Airlines (Citi)
Citi AAdvantage Platinum Select$99/year
Model the $99 fee against your American Airlines flying and dining spend
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Citi AAdvantage Globe$350/year
See if the mid-tier American Airlines card pays off through AA flying, dining, and priority boarding
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Citi AAdvantage Executive$595/year
Break down whether the $595 fee makes sense with Admirals Club access and premium AA travel benefits
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Delta (American Express)
Delta SkyMiles Gold$150/year
See if the Delta Gold's $150 fee pays off based on your Delta flying, dining, and grocery spend
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Delta SkyMiles Platinum$350/year
Model the $350 fee against Delta flying, dining, and credits like Resy, rideshare, and Delta Stays
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Delta SkyMiles Reserve$650/year
Break down whether the $650 fee makes sense with Sky Club access, companion cert, and four card credits
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Guides
Deep-dive references on specific strategies and program rules
Building Credit Guide
How to build credit from scratch or recover from a low score — the right order of operations for getting card-eligible
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Cancel or Downgrade Tool
Interactive decision tree — answer a few questions and get a clear recommendation. Works for any card.
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Ultimate Product Change Guide
How to use product changes to preserve benefits, keep credit history, and position for future sign-up bonuses
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Bankrate CLEAR+ Cost Reduction Guide
How to offset or eliminate the cost of a CLEAR+ membership using your credit card benefits
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Credit Application Research
Know which bureau gets pulled before you apply
How 1 credit card point can save you up to 50% on Amazon
Link your rewards account at Amazon checkout and redeem points directly — the right way to do it without losing value
Shopping & Rewards Portals
Hidden offers and bonus earning opportunities available to Chase cardholders
Credit Security
Free under US federal law — freeze your credit to prevent unauthorized applications
Need a more personalized take?
The calculators give you the math. A 1-on-1 session gives you the strategy — built around your specific cards, goals, and situation.
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