Disclaimer: This site is not a part of American Express nor is it officially sponsored by American Express. American Express does not own this site and does not authorize it. At the end of this year, I estimate the my various credit cards will have paid me over $500 (in free stuff and from money that I’ve invested at higher rates elsewhere) to use their products. In all likelihood these companies would probably rather you NOT signup for their products if you're going to use credit cards like I do. In any event, this site includes advertising for the products I discuss. Use your discretion if you get a card listed on this site because I’m not a financial adviser in any way, shape, or form. I'm biased -- I generally like the cards I talk about. I’m a guy that uses AmEx credit cards, prowls for deals I can get with AmEx cards, and diligently reads all the fine print. My opinion is that when used well, credit cards are a great financial tool which can save you money and give you perks like purchase and theft protection. When used badly, they can ruin your financial life.

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