Madison Blancaflor, The Points Guy

Madison Blancaflor

The Points Guy

Charlotte, NC, United States

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  • The Points Guy

Recent articles by Madison:

What credit score do you need for the Amex Blue Cash Preferred?

Amex recommends having at least a 670 score, but keep in mind that there are other factors that play into getting approved for a card. → Read More

Who's eligible for the elevated Chase Sapphire Preferred bonus?

This new bonus is a tempting offer, but make sure you are eligible before applying. → Read More

How to save your credit score after a late payment

Life happens, and sometimes payment due dates slip through the crack. Luckily there is a way to potentially save your credit score when you accidentally miss a payment due date. → Read More

Financing without interest: My Chase Plan vs Amex Pay It Plan It

Both of these top issuers have similar financing options, but which is a better deal? → Read More

Why I’m waiting to upgrade to the Chase Sapphire Reserve

Earlier in 2020, I planned on switching to the CSR. But the pandemic made me hit pause on upgrading. → Read More

Amex adds additional payment flexibility across many business credit cards

Starting during your November billing cycle, Amex's Pay Over Time feature will be automatically added to select business credit cards. → Read More

Chase Sapphire Preferred vs. Bank of America Travel Rewards — Which should beginner travelers get?

Which of these beginner travel credit cards is best for you based on the sign-up bonus, earning rates, redemption options and other benefits? → Read More

How I hit my Delta Gold Card welcome bonus with changing spending habits

This strategy helped me hit the welcome bonus requirement without taking a major hit in the rewards I could have earned by using my other cards. → Read More

COVID-19 check-in: How have card issuers measured up during the pandemic

While overall survey results are up year over year, the coronavirus pandemic caused a significant dip as complaints with customer service have increased. → Read More

TPG credit card reader question: What are some Amex Centurion alternatives?

Is the Centurion Card worth it with the new changes? If not, what card should current cardholders switch to? → Read More

How to use Amex's expanded credit score tool to increase your credit score

Amex's MyCredit Guide now includes "Score Goals" to help give users personalized recommendations for improving their credit score. → Read More

Why your driver’s license is better than a passport for this tropical escape

Starting in Sept., only U.S. travelers who live in Connecticut, Maine, New Hampshire, New Jersey, New York and Vermont will be permitted to enter —but they'll need a valid driver's license to prove it. → Read More

Chase expands referral ability to entire United card family

United credit cardholders can now refer friends and family members to any personal United card. → Read More

When you should consider the Capital One Venture card for hotels and car rentals

One lesser-known benefit of the Cap One Venture is that it earns 5x miles on hotel and car rentals booked through Capital One Travel. Here's why you should consider using the card on those purchases. → Read More

Check your email: You could be targeted for a 4% back offer on your Amazon Prime Visa

If you are a cardholder of the Amazon Prime Visa Signature Credit Card, make sure to check your email. A round of targeted offers have been sent out to some cardholders temporarily offering up to 4% back on all purchases (except Amazon and Whole Foods, which will continue to earn 5% back). For more credit … → Read More

Battle of the mid-tier hotel cards: Which card outshines the others?

While each hovers around the same annual fee, they each have differing card offers that will benefit different travelers. → Read More

You can now use ThankYou points to meet your minimum payment requirement

This new redemption option could help cardholders under financial stress meet payment deadlines without late fees and penalty APRs. → Read More

Limited time only: Earn up to $300 in welcome credits for Amex Blue Business Plus, Blue Business Cash

Two of Amex's small business credit cards are offering up to $300 in statement credits when you spend at Dell, DocuSign and FedEx in the first three months. Offer ends Nov. 4, 2020. → Read More

A credit card for wine enthusiasts just launched with a 50k sign-up offer

This card is built for wine enthusiasts, with up to 5x on some purchases and a solid sign-up bonus. But is it worth a spot in your wallet? → Read More

Why there's no such thing as the 'best' credit card

Ultimately, the best card is the one that is right for you. → Read More