How to Choose the Top Credit Cards for Your Spending Habits
How to Choose the Top Credit Cards for Your Spending Habits
Blog Article
Steps to Select the Top Credit Cards for Your Spending Habits
Exploring the credit card rewards landscape can be confusing with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always informed if there are more suitable options for you.
**Understanding Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Other expenditures
This information helps us gain insight into your spending patterns and identify the optimal collection of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our database of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also provide options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.
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**Dynamic Tracking and Advice**
Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your spending and informs you of changes to optimize your setup to boost your rewards collection. This dynamic approach ensures you always have the best credit card portfolio to achieve the highest returns.
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