The PointsDB Blog
Tips, tricks, and guides to maximizing your credit card rewards and bank bonuses.
Best Bank Account Bonuses — March 2026
The highest-value checking, savings, and brokerage bonuses available right now, with requirements, deadlines, and tips for maximizing each offer.
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Best Credit Card Sign-Up Bonuses — March 2026
Our picks for the most valuable credit card welcome offers this month, from premium travel cards to no-annual-fee cashback.
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The Ultimate Churning Spreadsheet: What to Track and Why
A breakdown of exactly what fields matter in a credit card churning spreadsheet, common pitfalls, and when to upgrade to a dedicated tracker.
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Credit Card Churning for Beginners: A Step-by-Step Guide
Everything you need to know to start earning credit card sign-up bonuses safely — from building a plan to tracking your progress.
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12 Ways to Meet Minimum Spend Without Overspending
Practical strategies to hit your credit card minimum spend requirement using everyday expenses — no manufactured spending required.
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Bank Bonus Tracker Showdown: Spreadsheets vs. Notion vs. Dedicated Apps
A detailed feature-by-feature comparison of the most popular ways to track bank bonuses — from Google Sheets templates to Notion databases to purpose-built tools like PointsDB.
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The Best Tools for Tracking Bank Bonuses & Credit Card SUBs in 2026
Spreadsheets, apps, and purpose-built trackers — here's how to keep your bank bonus and credit card sign-up bonus strategy organized without losing your mind.
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Downgrade Paths by Major Issuer in 2026: When to Close vs Downgrade
A practical framework for deciding when to close or downgrade a card, including issuer-by-issuer annual-fee refund windows and how to time January reset credits for double or triple dips.
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Understanding Chase 5/24 in 2026: Dead, Alive, or Evolving?
Chase 5/24 is not a simple yes-or-no story in 2026. Here’s what recent data points and policy coverage suggest, and how to plan your next Chase application.
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Bank Bonus 101: Understanding your Chex and EWS Score
A guide to understanding ChexSystems and Early Warning Services (EWS) reports, how they impact your ability to open bank accounts, and how to manage them.
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