Optimizador de Recompensas de Tarjeta de Crédito
Key Financial Terms
Understand the essential concepts behind this calculator
Annual Fee
Yearly charge for having a credit card—$0 to $550+. Premium cards charge fees but offer rewards that can exceed cost for high spenders.
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Cash Back
A credit card reward that returns a percentage of your spending as cash, typically 1-5% depending on the category.
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Cashback Rewards
Percentage of purchases returned as cash or credit
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Preguntas Frecuentes
Preguntas comunes sobre Optimizador de Recompensas de Tarjeta de Crédito
El reembolso en efectivo es simple y confiable (1–2%+). Los puntos pueden valer entre 1.5 y 2.0¢ cada uno con transferencias y canjes premium, pero requieren esfuerzo y a veces tarifas anuales. Muchas personas combinan ambos.
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Sources & References
High-Yield Savings Account Rates (2024-2025)
• Top online banks: 4.00-4.75% APY
• Traditional big banks: 0.01-0.46% APY
• Difference: 100-475x higher returns with high-yield accounts
• Example: $10,000 at 4.5% = $450/year vs $1/year at 0.01%
• Traditional big banks: 0.01-0.46% APY
• Difference: 100-475x higher returns with high-yield accounts
• Example: $10,000 at 4.5% = $450/year vs $1/year at 0.01%
Certificate of Deposit (CD) Rates (2024-2025)
• 6-month CD: 4.50-5.25% APY
• 1-year CD: 4.75-5.50% APY
• 5-year CD: 4.00-4.75% APY
• CDs lock in your rate but penalize early withdrawal
• 1-year CD: 4.75-5.50% APY
• 5-year CD: 4.00-4.75% APY
• CDs lock in your rate but penalize early withdrawal
Average Bank Fees (2024)
• Monthly maintenance fee: $5-25/month (waivable with minimum balance)
• Overdraft fee: $25-35 per occurrence
• Out-of-network ATM fee: $3-5 per withdrawal
• Wire transfer fee: $15-30 domestic, $35-50 international
• Average American pays $200-400/year in bank fees
• Overdraft fee: $25-35 per occurrence
• Out-of-network ATM fee: $3-5 per withdrawal
• Wire transfer fee: $15-30 domestic, $35-50 international
• Average American pays $200-400/year in bank fees
Credit Card Rewards Programs
• Flat-rate cashback cards: 1.5-2% on all purchases
• Category bonus cards: 3-5% on specific categories (dining, gas, groceries)
• Points-based cards: 1-5x points (value varies: $0.01-0.02/point)
• Average credit card user earns $200-500/year in rewards
• Category bonus cards: 3-5% on specific categories (dining, gas, groceries)
• Points-based cards: 1-5x points (value varies: $0.01-0.02/point)
• Average credit card user earns $200-500/year in rewards
FDIC Insurance Limits
• Coverage: $250,000 per depositor, per insured bank
• Covers checking, savings, CDs, money market deposit accounts
• Does NOT cover investments (stocks, bonds, mutual funds, crypto)
• Covers checking, savings, CDs, money market deposit accounts
• Does NOT cover investments (stocks, bonds, mutual funds, crypto)
Money Market Account Rates (2024-2025)
• Top money market accounts: 4.00-4.75% APY
• Often have check-writing and debit card access
• Higher minimum balance requirements than savings accounts
• Monthly withdrawal limits removed in 2020 (COVID regulation change)
• Often have check-writing and debit card access
• Higher minimum balance requirements than savings accounts
• Monthly withdrawal limits removed in 2020 (COVID regulation change)
Online vs. Traditional Banks
• Online banks offer 50-100x higher savings rates (lower overhead costs)
• 60% of Americans still use traditional banks for primary checking
• Online-only banks: Ally, Marcus, Discover, American Express, Capital One 360
• 60% of Americans still use traditional banks for primary checking
• Online-only banks: Ally, Marcus, Discover, American Express, Capital One 360
Tip
Shop around for better rates. Moving to a high-yield savings account and no-fee checking can save $500+ annually in fees while earning significantly more interest.
⚠️ Tip