(NewsNation) — Travel hackers on social media say you can fly for free and it all comes down to your credit card points. One popular strategy is known as credit card churning — opening and closing ...

Clint Proctor is a lead editor with the credit cards and travel rewards team at Forbes Advisor. He has five years of experience in personal finance journalism and has contributed to a variety of ...

Here's a practical framework for deciding if a credit card's annual fee pays off, plus a personal take on running the real math before applying.