LaToya Irby is a credit expert who has been covering credit and debt management for nearly 20 years. She's been quoted widely in national publications, and her work has been cited in several books.

Earning credit card rewards is only half the battle. After receiving your card's welcome bonus and maximizing its rewards categories, you need to figure out when and how to use what you've earned.

Double-dip on savings by using your rewards credit card in tandem with a cash-back app or site. Here are some of our favorite ones and how they work. Many or all of the products on this page are from ...

How to decide if the points, perks, and cash back outweigh the costs LaToya Irby is a credit expert who has been covering credit and debt management for nearly 20 years. She's been quoted widely in ...