Notes on running a wallet of premium cards.
Strategy, timing, and the math nobody else shows you. Every piece here is built on the same honest-math principle the rest of CARDIER is built on: substantiated numbers, named card mechanics, no fabricated averages.
Planning a Platinum Credit Calendar for 2026
The Amex Platinum advertises a large annual credit stack. What it does not advertise is that those credits run on three different clocks. Here is how to lay them out so you actually catch every one.
The Real Cost of Credit Card Annual Fees: Should You Keep Your Cards?
A $695 annual fee is not a price — it is a wager. Here is how to calculate, card by card, whether your premium cards are actually paying you back.
EducationWhy So Many Credit Card Benefits Quietly Expire Unused
Statement credits do not vanish because cardholders are careless. They vanish because the reset calendars are deliberately incoherent. Here is how the timing actually works.
StrategyCARDIER vs. a Spreadsheet: What Actually Gets Tracked
The honest competitor to CARDIER is not another app. It is the spreadsheet the diligent cardholder has already built. Here is where the spreadsheet quietly stops working, and why.
OptimizationSign-Up Bonuses: How the Minimum Spend Math Actually Works
A welcome bonus is a contract — points in exchange for a specific dollar amount of spend in a specific window. The framework for hitting it without buying things you do not need.
StrategyCredit Card Portfolio Strategy: Building a Wallet That Holds Together
Most premium cardholders have too many cards. Not too few. Here is a framework for building a small, intentional wallet — and the overlap traps to avoid when you add a card.
TrustWhy Cardier Doesn’t Ask For Your Bank Login
A credit-card benefit tracker does not need access to your bank account to do its job. Here is why we made that the default — and what the design tradeoff is.