You can stop bleeding interest on credit card debt with one of these cards, allowing you to transfer a balance and not pay interest for as long as 24 months.

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a good option if you want American Airlines perks for a lower annual fee. The card charges a $0 annual fee for the first year (then $99), and you still get a free checked bag and preferred boarding for you and up to four companions.

That is where the "free money" feeling comes from. If a card offers a $750 bonus after meeting a spending requirement, most households only earn it once. When both partners apply separately, the household earns it twice. That is $1,500 in value from the same monthly budget you already had; just two approvals instead of one.

While the White House teases a shake‑up for your plastic, and Congress decides how far it is willing to go, the most reliable “cap” for now is still the one you control: how much you swipe, how quickly you pay it down, and how aggressively you look for cheaper credit.