RawCents - Page 3 of 3 - Money advice is everywhere. Real answers are rare. RawCents was built for Americans who are tired of generic financial content, confusing jargon, and endless affiliate lists. We cut through the noise with straightforward, research-driven guides that solve real money problems—from choosing the right credit card and lowering borrowing costs to understanding insurance, taxes, homeownership, banking, and investing. We don't publish content for clicks. We publish it to answer the exact question you searched for. Every article starts with a real problem, follows the facts, and ends with practical steps you can use immediately. No fluff. No financial buzzwords. No recycled advice. Just raw cents that make financial sense.

3x Chase vs 4x Amex Dining Rewards: Which Credit Card Earns More Value in 2026?

July 1, 2026 by RawCents Editorial Team

Quick Answer For most people, 3x Chase Ultimate Rewards beats 4x Amex Membership Rewards on dining, because Chase guarantees a 1¢-per-point cash-back floor while Amex’s floor runs closer to 0.6¢. Chase’s transfer partners (Hyatt, United, British Airways) also tend to deliver more consistent award value for U.S. domestic travelers. The math flips if you fly … Read more

Best Card to Pair With the Chase Sapphire Reserve

July 1, 2026June 29, 2026 by RawCents Editorial Team

Your partner holds the Chase Sapphire Reserve. Travel and dining are already earning at an accelerated rate. What the Reserve doesn’t do is earn meaningfully on the spending that fills most household budgets: the weekly grocery run, filling the tank, a Sunday afternoon at Home Depot. At $20,000 in annual non-travel spend, leaving those categories … Read more

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