Credit cards · Rewards · True to you card recs

Swipe smarter, not harder.

I'm Faiq. I got obsessed with credit card rewards and now I can't stop talking about it. The content, tools, and calculators are free. No referrals, no bank commissions — my opinions aren't for sale. You'll be swiping smarter, not harder in no time!

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100+Cards analyzed

01 · The research

I combed through over 100 cards to figure out which are best at what things — whether it's earning points, perks and benefits, or something entirely different.

Travel · Dining · Gas · Groceries · No-fee · Premium
20+Calculators

02 · The tools

Made to help you decide whether a card is actually right for you and your lifestyle.

First-year value · Net of fee · Earn rate by category · Break-even spend
$0Referral income. Ever.

03 · The independence

I have never, and will never make money from credit card referral links. My recommendations are my actual opinions, and the cards I think are truly the best at what they offer.

No affiliate deals · No sponsored picks · No bank commissions
161Swipe Smart recommendations

04 · The quiz

My Swipe Smart quiz has dished out recommendations tied to what each person needs out of their credit cards — not what the banks pay people like me to push on you.

Travel · Cash back · Dining · No annual fee · Premium · First card

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Educational purposes only. The content on this site — including guides, calculators, card comparisons, and recommendations — is provided for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Credit card terms, rewards rates, and benefits change frequently; always verify details on the issuer’s official website before applying. He’s Got a Point is not a licensed financial advisor.