{"id":12455,"date":"2026-01-09T16:05:11","date_gmt":"2026-01-09T19:05:11","guid":{"rendered":"https:\/\/magiadabeleza.com\/?p=12455"},"modified":"2026-01-09T16:25:35","modified_gmt":"2026-01-09T19:25:35","slug":"menos-taxas-mais-vantagens-o-cartao-que-realmente-trabalha-por-voce","status":"publish","type":"post","link":"https:\/\/magiadabeleza.com\/en\/menos-taxas-mais-vantagens-o-cartao-que-realmente-trabalha-por-voce\/","title":{"rendered":"Lower fees, more benefits: the card that truly works for you."},"content":{"rendered":"<p class=\"has-text-align-center wp-block-paragraph\">Choose an option:<\/p>\n\n\n<div class=\"lazyblock-button-10-Z1zdMdP wp-block-lazyblock-button-10\"><a href=\"https:\/\/magiadabeleza.com\/en\/descubra-o-melhor-cartao-com-cashback-e-transforme-suas-compras-em-economia\/\" class=\"btn_010 tc-btn\" style=\"background-color:#006d45\">\n  <div>\n    <span>Cashback<\/span>\n  <\/div>\n  <svg height=\"42\" viewbox=\"0 0 24 24\" width=\"42\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m12.0007042 2.00070416c5.5228475 0 10 4.4771525 10 10.00000004 0 5.5228475-4.4771525 10-10 10-5.52284754 0-10.00000004-4.4771525-10.00000004-10 0-5.52284754 4.4771525-10.00000004 10.00000004-10.00000004zm0 1.5c-4.69442042 0-8.50000004 3.80557962-8.50000004 8.50000004 0 4.6944203 3.80557962 8.5 8.50000004 8.5 4.6944203 0 8.5-3.8055797 8.5-8.5 0-4.69442042-3.8055797-8.50000004-8.5-8.50000004zm-.3529483 4.05308419.0726182-.08411844c.2662665-.26626656.6829302-.29047261.9765417-.07261815l.0841184.07261815 4.0008227 4.00082269c.2663025.2663024.2904743.6830339.0725417.9766451l-.0726429.0841162-4.0015268 4c-.2929491.2928373-.7678228.2927467-1.0606602-.0002024-.2662157-.2663173-.2903423-.6829856-.0724318-.9765556l.0726342-.0841045 2.7219331-2.7206872-6.6917042.0002958c-.37969577 0-.69349096-.2821539-.74315338-.6482294l-.00684662-.1017706c0-.3796958.28215388-.693491.64822944-.7431534l.10177056-.0068466 6.6897042-.0002958-2.7193301-2.71937411c-.2662666-.26626657-.2904726-.68293025-.0726182-.97654174l.0726182-.08411844z\" fill=\"#FFF\"\/><\/svg>\n<\/a>\n\n<style>\n  .wp-block-lazyblock-button-10{ \n    display: flex;\n    justify-content: center;\n    align-items: center;\n  }\n  .btn_010{\n    display: flex;\n    text-decoration: none;\n    width: 98%;\n    max-width: 400px;\n    background-color: #3a01fe;\n    height: 60px;\n   align-items: center;\n    padding: 0 19px;\n    color: white;\n    font-weight: bold;\n    font-size: 18px;\n    border-radius: 5px;\n    justify-content: space-between;\n    margin: 14px 0;\n    box-shadow: rgba(50, 50, 93, 0.25) 0px 2px 5px -1px, rgba(0, 0, 0, 0.3) 0px 1px 3px -1px;\n  }\n  \n<\/style><\/div>\n\n<div class=\"lazyblock-button-10-Z2h1D2a wp-block-lazyblock-button-10\"><a href=\"https:\/\/magiadabeleza.com\/en\/descubra-o-citi-double-cash-card-o-melhor-cartao-com-aprovacao-rapida\/\" class=\"btn_010 tc-btn\" style=\"background-color:#006d45\">\n  <div>\n    <span>Fast approval<\/span>\n  <\/div>\n  <svg height=\"42\" viewbox=\"0 0 24 24\" width=\"42\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m12.0007042 2.00070416c5.5228475 0 10 4.4771525 10 10.00000004 0 5.5228475-4.4771525 10-10 10-5.52284754 0-10.00000004-4.4771525-10.00000004-10 0-5.52284754 4.4771525-10.00000004 10.00000004-10.00000004zm0 1.5c-4.69442042 0-8.50000004 3.80557962-8.50000004 8.50000004 0 4.6944203 3.80557962 8.5 8.50000004 8.5 4.6944203 0 8.5-3.8055797 8.5-8.5 0-4.69442042-3.8055797-8.50000004-8.5-8.50000004zm-.3529483 4.05308419.0726182-.08411844c.2662665-.26626656.6829302-.29047261.9765417-.07261815l.0841184.07261815 4.0008227 4.00082269c.2663025.2663024.2904743.6830339.0725417.9766451l-.0726429.0841162-4.0015268 4c-.2929491.2928373-.7678228.2927467-1.0606602-.0002024-.2662157-.2663173-.2903423-.6829856-.0724318-.9765556l.0726342-.0841045 2.7219331-2.7206872-6.6917042.0002958c-.37969577 0-.69349096-.2821539-.74315338-.6482294l-.00684662-.1017706c0-.3796958.28215388-.693491.64822944-.7431534l.10177056-.0068466 6.6897042-.0002958-2.7193301-2.71937411c-.2662666-.26626657-.2904726-.68293025-.0726182-.97654174l.0726182-.08411844z\" fill=\"#FFF\"\/><\/svg>\n<\/a>\n\n<style>\n  .wp-block-lazyblock-button-10{ \n    display: flex;\n    justify-content: center;\n    align-items: center;\n  }\n  .btn_010{\n    display: flex;\n    text-decoration: none;\n    width: 98%;\n    max-width: 400px;\n    background-color: #3a01fe;\n    height: 60px;\n   align-items: center;\n    padding: 0 19px;\n    color: white;\n    font-weight: bold;\n    font-size: 18px;\n    border-radius: 5px;\n    justify-content: space-between;\n    margin: 14px 0;\n    box-shadow: rgba(50, 50, 93, 0.25) 0px 2px 5px -1px, rgba(0, 0, 0, 0.3) 0px 1px 3px -1px;\n  }\n  \n<\/style><\/div>\n\n<div class=\"lazyblock-button-10-2p1M16 wp-block-lazyblock-button-10\"><a href=\"https:\/\/magiadabeleza.com\/en\/o-melhor-cartao-de-credito-sem-anuidade-chase-freedom-flex%e2%84%a0\/\" class=\"btn_010 tc-btn\" style=\"background-color:#006d45\">\n  <div>\n    <span>No annual fee<\/span>\n  <\/div>\n  <svg height=\"42\" viewbox=\"0 0 24 24\" width=\"42\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m12.0007042 2.00070416c5.5228475 0 10 4.4771525 10 10.00000004 0 5.5228475-4.4771525 10-10 10-5.52284754 0-10.00000004-4.4771525-10.00000004-10 0-5.52284754 4.4771525-10.00000004 10.00000004-10.00000004zm0 1.5c-4.69442042 0-8.50000004 3.80557962-8.50000004 8.50000004 0 4.6944203 3.80557962 8.5 8.50000004 8.5 4.6944203 0 8.5-3.8055797 8.5-8.5 0-4.69442042-3.8055797-8.50000004-8.5-8.50000004zm-.3529483 4.05308419.0726182-.08411844c.2662665-.26626656.6829302-.29047261.9765417-.07261815l.0841184.07261815 4.0008227 4.00082269c.2663025.2663024.2904743.6830339.0725417.9766451l-.0726429.0841162-4.0015268 4c-.2929491.2928373-.7678228.2927467-1.0606602-.0002024-.2662157-.2663173-.2903423-.6829856-.0724318-.9765556l.0726342-.0841045 2.7219331-2.7206872-6.6917042.0002958c-.37969577 0-.69349096-.2821539-.74315338-.6482294l-.00684662-.1017706c0-.3796958.28215388-.693491.64822944-.7431534l.10177056-.0068466 6.6897042-.0002958-2.7193301-2.71937411c-.2662666-.26626657-.2904726-.68293025-.0726182-.97654174l.0726182-.08411844z\" fill=\"#FFF\"\/><\/svg>\n<\/a>\n\n<style>\n  .wp-block-lazyblock-button-10{ \n    display: flex;\n    justify-content: center;\n    align-items: center;\n  }\n  .btn_010{\n    display: flex;\n    text-decoration: none;\n    width: 98%;\n    max-width: 400px;\n    background-color: #3a01fe;\n    height: 60px;\n   align-items: center;\n    padding: 0 19px;\n    color: white;\n    font-weight: bold;\n    font-size: 18px;\n    border-radius: 5px;\n    justify-content: space-between;\n    margin: 14px 0;\n    box-shadow: rgba(50, 50, 93, 0.25) 0px 2px 5px -1px, rgba(0, 0, 0, 0.3) 0px 1px 3px -1px;\n  }\n  \n<\/style><\/div>\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"lazyblock-novo-lazy-Z7DG57 wp-block-lazyblock-novo-lazy\"><center>\n    <div class=\"cardLz01\">\n      <a href=\"https:\/\/magiadabeleza.com\/en\/wells-fargo-active-cash%e2%84%a0-card-o-melhor-cartao-de-credito-para-seu-estilo-de-vida\/\" style=\"text-decoration: none;\">\n\n        <img decoding=\"async\" src=\"https:\/\/magiadabeleza.com\/wp-content\/uploads\/2025\/07\/CRIATIVOS-RESPONSIVO-17.png\" alt=\"\">\n        <div class=\"cardLz01-content\">\n          <span class=\"cardLz01-title\">This is the best option<\/span>\n          <p class=\"cardLz01-description\">Having zero fees is already an incredible advantage, especially if we consider that many of the most famous cards on the market do not offer this exclusive feature.<\/p>\n          <button class=\"tc-btn cardLz01-button\">See this credit card<\/button>\n        <\/div>\n        <\/a>\n\n    <\/div>\n<\/center>\n\n<style>\n  .cardLz01 {\n    background-color: white;\n    border-radius: 10px;\n    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);\n    overflow: hidden;\n    width: 100%;\nmax-width: 380px;\n    margin-bottom: 2em;\n  }\n\n  .cardLz01 img {\n    width: 100%;\n    height: auto;\n    display: block;\n  }\n\n  .cardLz01-content {\n    padding: 20px;\n  }\n\n  .cardLz01-title {\n    font-size: 1.5rem;\n    margin: 0;\n    margin-bottom: 10px;\n    border-left: none;\n  }\n\n  .cardLz01-description {\n    font-size: 1rem;\n    color: #555;\n    margin: 0;\n    margin-bottom: 20px;\n  }\n\n  .cardLz01-button {\n    background-color: #f7c121;\n    color: white;\n    border: none;\n    border-radius: 5px;\n    padding: 10px 20px;\n    font-size: 1rem;\n    width: 100%;\n    cursor: pointer;\n    transition: background-color 0.3s;\n  }\n\n<\/style><\/div>\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"wp-block-heading\">You&#039;re Probably Using the Wrong Credit Card \u2014 Here&#039;s How to Fix It<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Most people in the United States don&#039;t think twice about the credit card they carry in their wallet. It&#039;s there, it works, it goes through the machine without problems, and it even earns you some points or miles now and then.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But what if that card you use every day is silently... <strong>taking money out of your pocket every month<\/strong>?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And we&#039;re not just talking about high interest rates or annuities \u2014 although those are serious problems in themselves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The truth is that <strong>Most traditional credit cards were created to benefit banks, not consumers.<\/strong>And unless you&#039;ve stopped to analyze and switch to a smarter option, it&#039;s quite likely you&#039;re leaving behind. <strong>hundreds of dollars per year<\/strong> On the table in the form of missed rewards, unnecessary fees, and wasted opportunities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The good news is that the credit card market in the US is changing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A new generation of consumer-focused cards is reshaping how people spend, save, and manage debt. If you&#039;ve ever felt your card should... <strong>Work harder for you \u2014 or cost less.<\/strong>This guide will show you exactly how to fix it.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Why the Average Credit Card Costs More Than You Think<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At first glance, a traditional credit card might even seem like a good choice. Perhaps it offers airline miles, some benefits at specific stores, or a sophisticated design.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But when you look beyond the surface, you begin to notice a long list of ways in which these cards drain your money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Annual Fees That Don&#039;t Pay Off<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many cards charge between <strong>US$ 95 and US$ 550 per year<\/strong> They&#039;re just for you to have them. In return, they promise exclusive access to VIP lounges, travel insurance, or bonus points.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The problem?<br>Most consumers <strong>does not use these benefits often enough.<\/strong> to justify the cost. In practice, the annual fee is usually higher than the actual amount the person receives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Extremely High Interest Rates<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you carry a balance \u2014 even if only for one or two months \u2014 you may be paying between <strong>18% and 29% annual interest rates<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that a purchase of US$1,000 could end up costing hundreds of dollars more over time. Compound interest works against you, and fast.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Confusing Reward Systems<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Points that expire. Redemption rules that change without notice. Rotating categories that require quarterly activation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These systems are <strong>intentionally complex<\/strong>...and many consumers never manage to extract real value from the rewards they &quot;earned&quot;.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">International Transaction Fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Even if you travel infrequently or only occasionally buy from foreign websites, a fee of <strong>2% to 3% per international purchase<\/strong> It can erode your budget without you even realizing it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These fees usually only appear when the bill arrives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hidden Fees and Traps<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Late payment fee, overdraft fee, balance transfer fee, cash withdrawal fee\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And what about the contract?<br><strong>Penalty APR<\/strong>which can permanently increase your interest rate after a single late payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ultimately, all of this leads to a simple conclusion: <strong>Your card is taking more than it&#039;s giving back.<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">A New Type of Card: Simple, Fair, and Advantageous<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fortunately, there is a better way.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In recent years, digital banks and large financial institutions have begun launching cards that challenge the traditional model. These cards are designed to... <strong>Simplicity, transparency, and real benefits.<\/strong> for the consumer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In general, they offer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No annual fee<\/li>\n\n\n\n<li>Direct cashback on all purchases<\/li>\n\n\n\n<li>Introductory APR of 0% for 12 to 21 months<\/li>\n\n\n\n<li>No international transaction fees.<\/li>\n\n\n\n<li>Clear and easy-to-understand terms<\/li>\n\n\n\n<li>Fast digital application, with near-instant response.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These cards are no longer the exception \u2014 they are becoming the new standard for those who want more financial control.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Why Cashback is Better Than Points and Miles<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many consumers still insist on frequent flyer miles and points because they <strong>seem<\/strong> sophisticated. But, in practice, <strong>Cashback is more flexible, more valuable, and much less work.<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With cashback, you receive a fixed percentage of everything you spend \u2014 and you can use the money however you want.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No blocked dates.<br>No confusing conversions.<br>No restrictions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A Simple Example<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine that you spend <strong>US$ 1,200 per month<\/strong> on the card. With a card of <strong>2% cashback<\/strong>, you win:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>US$ 24 per month<\/li>\n\n\n\n<li>US$ 288 per year<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Now add a welcome bonus of US$ 200.<br>Result: <strong>nearly US$$ 500 in a single year<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compare this to many points-based cards, which end up generating only US$100\u2013150 annually \u2014 when the user manages to redeem them correctly.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">The Power of APR 0%: Eliminate Debt Without Interest<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most powerful tools available today is the <strong>Introductory APR of 0%<\/strong>During this period (usually between 12 and 21 months), you don&#039;t pay interest on purchases \u2014 and, in many cases, on balance transfers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This allows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay for large purchases in installments with no interest.<\/li>\n\n\n\n<li>Transferring expensive debts to a cheaper card.<\/li>\n\n\n\n<li>Settle balances faster<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine a debt of <strong>US$ 3.000<\/strong> on a card with an interest rate of 25% per year. This represents approximately <strong>US$ 750 in annual interest<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By transferring to a card with 0% APR for 15 months, you can save hundreds of dollars \u2014 provided you have a clear plan and pay everything before the promotional period ends.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What Really Matters When Choosing a Credit Card<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When evaluating options, focus on these points:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>No Annual Fee<\/strong> It doesn&#039;t make sense to pay to use a card.<\/li>\n\n\n\n<li><strong>Consistent Cashback<\/strong> \u2013 At least 1.5% to 2% on all purchases.<\/li>\n\n\n\n<li><strong>APR 0% Introductory<\/strong> \u2013 For purchases and\/or transfers.<\/li>\n\n\n\n<li><strong>Welcome Bonus<\/strong> \u2013 US$ 150 to US$ 300 with affordable expenses.<\/li>\n\n\n\n<li><strong>No International Fees<\/strong> Essential for travel and online shopping.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Examples of Smarter Cards in the USA<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Below are some popular cards that follow this fairer model:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Citi Double Cash Card<\/strong>\n<ul class=\"wp-block-list\">\n<li>2% total cashback<\/li>\n\n\n\n<li>No annual fee<\/li>\n\n\n\n<li>Ideal for everyday expenses.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Wells Fargo Active Cash Card<\/strong>\n<ul class=\"wp-block-list\">\n<li>2% cashback on all purchases<\/li>\n\n\n\n<li>Bonus of US$ 200<\/li>\n\n\n\n<li>0% APR for 15 months<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Chase Freedom Unlimited<\/strong>\n<ul class=\"wp-block-list\">\n<li>1.5% in everything<\/li>\n\n\n\n<li>Up to 5% in specific categories.<\/li>\n\n\n\n<li>Initial bonus and 0% APR<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Note: Offers and conditions are subject to change. Always check the updated terms before applying.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">How to Increase Your Chances of Approval<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">You don&#039;t need perfect credit. But some actions help a lot:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check your credit score for free.<\/li>\n\n\n\n<li>Always pay on time<\/li>\n\n\n\n<li>Keep usage below 30%<\/li>\n\n\n\n<li>Avoid multiple applications in a row.<\/li>\n\n\n\n<li>Use pre-approval tools<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">With consistency, your profile improves and opens doors to even better offers.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Final Thoughts: Don&#039;t Let Your Credit Card Work Against You<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many people view credit cards as a necessary evil. Something useful in emergencies, but which gradually erodes the budget.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It doesn&#039;t have to be this way.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Today, you can have a card that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>It doesn&#039;t charge for existing.<\/li>\n\n\n\n<li>Gives you money back on regular purchases.<\/li>\n\n\n\n<li>It helps to get out of debt.<\/li>\n\n\n\n<li>It doesn&#039;t hide fees or traps.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ask yourself:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do I still pay the annual fee?<\/li>\n\n\n\n<li>Are my rewards worth it?<\/li>\n\n\n\n<li>Am I paying unnecessary interest?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If you answered &quot;yes&quot; to any of these questions, it might be time for a change.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You deserve more from your credit card.<br>And today, <strong>This has never been so easy to achieve.<\/strong>.<\/p>","protected":false},"excerpt":{"rendered":"<p>Escolha uma op\u00e7\u00e3o: Voc\u00ea Provavelmente Est\u00e1 Usando o Cart\u00e3o de Cr\u00e9dito Errado \u2014 Veja Como Corrigir Isso A maioria das pessoas nos Estados Unidos n\u00e3o pensa duas vezes sobre o cart\u00e3o de cr\u00e9dito que carrega na carteira. Ele est\u00e1 ali, funciona, passa na maquininha sem problemas e ainda rende alguns pontos ou milhas de vez&hellip; <a class=\"read-more\" href=\"https:\/\/magiadabeleza.com\/en\/menos-taxas-mais-vantagens-o-cartao-que-realmente-trabalha-por-voce\/\">Continuar lendo<\/a><\/p>","protected":false},"author":19,"featured_media":12461,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-12455","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/posts\/12455","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/comments?post=12455"}],"version-history":[{"count":2,"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/posts\/12455\/revisions"}],"predecessor-version":[{"id":12460,"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/posts\/12455\/revisions\/12460"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/media\/12461"}],"wp:attachment":[{"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/media?parent=12455"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/categories?post=12455"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/magiadabeleza.com\/en\/wp-json\/wp\/v2\/tags?post=12455"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}