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0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/12/Chris-Butsch-headshot-copy.jpg?w=1440&q=75"/></div><div class="sc-e7a39763-3 cxkDEF"><p>Chris Butsch is a freelance contributor to <a href="https://fortune.com/about-recommends/" target="_self" class="sc-93594058-0 fowfrQ sc-bec953bd-0 gsodiL " aria-label="Go to https://fortune.com/about-recommends/">Fortune Recommends</a> and an expert on the subjects of credit cards and mortgages. Chris is a keynote speaker and author who has made it his mission to help people build better lives through financial literacy and positive psychology. His writing has been featured in Forbes Advisor, HuffPost, ConsumerAffairs, Money Under 30, and Investor Junkie.</p></div></div><div class="sc-e7a39763-4 kKbFUH"><ul class="social-list"><a href="https://www.linkedin.com/in/chrisbutsch/" target="_self" class="sc-93594058-0 fowfrQ social "><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg>Chris Butsch</a></ul></div></div><div class="articles"><div class="sc-a5726df2-0 nDfnQ"><section data-cy="articleList" class="termArchiveContentList"><li class="sc-e3c4bc02-0 dvEGRk"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Flexing biceps covered with dollars" loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="(max-width: 768px) 100vw, 450px" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-678819921-e1732028616421.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-678819921-e1732028616421.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-678819921-e1732028616421.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-678819921-e1732028616421.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-678819921-e1732028616421.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-678819921-e1732028616421.jpg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-678819921-e1732028616421.jpg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-678819921-e1732028616421.jpg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/11/GettyImages-678819921-e1732028616421.jpg?w=1440&q=75"/><span class="sc-2f1a523b-2 loCKQg link-wrapper"><a href="https://fortune.com/recommends/mortgages/" target="_self" class="sc-93594058-0 bDVrCz section-link styled-custom-link " data-cy="postEyebrow" aria-label="Go to article's section Mortgages">Mortgages</a></span><h2 class="sc-e3c4bc02-2 jVKXyH title-link-wrapper"><a href="https://fortune.com/recommends/mortgages/jumbo-mortgage-rates/" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article Compare jumbo mortgage rates today">Compare jumbo mortgage rates today</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Chris Butsch author's page">Chris Butsch</a></span></div></div></div></li><li class="sc-e3c4bc02-0 dvEGRk"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Photo of World of Hyatt Card a blue and orange abstract background" loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg 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in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="(max-width: 768px) 100vw, 450px" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Best-credit-cards-for-gas-e1729010647467.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Best-credit-cards-for-gas-e1729010647467.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Best-credit-cards-for-gas-e1729010647467.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Best-credit-cards-for-gas-e1729010647467.jpg?w=576&q=75 576w, 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href="https://fortune.com/recommends/credit-cards/best-credit-cards-groceries/" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article Best Credit Cards for Groceries in November 2024: Supercharge your savings">Best Credit Cards for Groceries in November 2024: Supercharge your savings</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Chris Butsch author's page">Chris Butsch</a></span></div></div></div></li><li class="sc-e3c4bc02-0 dvEGRk"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Side profile of young woman carrying a shopping basket, grocery shopping for daily 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card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Chris Butsch author's page">Chris Butsch</a></span></div></div></div></li><li class="sc-e3c4bc02-0 dvEGRk"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Photo of Marriott Bonvoy Bold® Credit Card on a green and mustard yellow abstract background" loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' 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title-link-wrapper"><a href="https://fortune.com/recommends/credit-cards/world-of-hyatt-business-card-review-an-obvious-addition-to-your-corporate-wallet-if-youre-already-booking-hyatt-for-business/" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article World of Hyatt Business Credit Card Review: An obvious addition to your corporate wallet if you’re already booking Hyatt for business.">World of Hyatt Business Credit Card Review: An obvious addition to your corporate wallet if you’re already booking Hyatt for business.</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to 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class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article The IHG One Rewards Premier Business Credit Card review: The stellar personal version but with a tie">The IHG One Rewards Premier Business Credit Card review: The stellar personal version but with a tie</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Chris Butsch author's page">Chris Butsch</a></span></div></div></div></li><li class="sc-e3c4bc02-0 dvEGRk"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Photo of Bilt Mastercard a pink abstract background" loading="lazy" width="735" height="490" decoding="async" data-nimg="1" 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loCKQg link-wrapper"><a href="https://fortune.com/recommends/credit-cards/" target="_self" class="sc-93594058-0 bDVrCz section-link styled-custom-link " data-cy="postEyebrow" aria-label="Go to article's section Credit Cards">Credit Cards</a></span><h2 class="sc-e3c4bc02-2 jVKXyH title-link-wrapper"><a href="https://fortune.com/recommends/credit-cards/bilt-mastercard-earn-travel-rewards-just-by-paying-rent/" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article Bilt Mastercard: Earn travel rewards just by paying rent">Bilt Mastercard: Earn travel rewards just by paying rent</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Chris Butsch author's page">Chris Butsch</a></span></div></div></div></li><li class="sc-e3c4bc02-0 dvEGRk"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="The Wells Fargo Attune Card." loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="(max-width: 768px) 100vw, 450px" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Wells-Fargo-Attune-Card-2.jpg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Wells-Fargo-Attune-Card-2.jpg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Wells-Fargo-Attune-Card-2.jpg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Wells-Fargo-Attune-Card-2.jpg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Wells-Fargo-Attune-Card-2.jpg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Wells-Fargo-Attune-Card-2.jpg?w=1024&q=75 1024w, 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href="https://fortune.com/recommends/credit-cards/" target="_self" class="sc-93594058-0 bDVrCz section-link styled-custom-link " data-cy="postEyebrow" aria-label="Go to article's section Credit Cards">Credit Cards</a></span><h2 class="sc-e3c4bc02-2 jVKXyH title-link-wrapper"><a href="https://fortune.com/recommends/credit-cards/ihg-one-rewards-traveler-card-review/" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article IHG One Rewards Traveler Credit Card review: An excellent hotel rewards card, outshone only by its sibling, the Premier.">IHG One Rewards Traveler Credit Card review: An excellent hotel rewards card, outshone only by its sibling, the Premier.</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Chris Butsch author's page">Chris Butsch</a></span></div></div></div></li><li class="sc-e3c4bc02-0 dvEGRk"><div class="sc-e3c4bc02-1 dcxLXD card"><img alt="Close-up Shot Of Young Woman Enjoying A Vegetarian Meal At Restaurant." loading="lazy" width="735" height="490" decoding="async" data-nimg="1" class="card-image" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 735 490'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite 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title-link-wrapper"><a href="https://fortune.com/recommends/credit-cards/best-credit-cards-dining-restaurant/" target="_self" class="sc-93594058-0 fowfrQ title-link styled-custom-link " data-cy="postTitle" aria-label="Go to full article Feast on rewards: Best credit cards for dining out in November 2024">Feast on rewards: Best credit cards for dining out in November 2024</a></h2><div data-cy="postAuthors" class="sc-2f1a523b-0 biIOBr card-info-wrapper"><div class="sc-cc7d6b4a-0 lNYKf author-list"><span class="sc-cc7d6b4a-2 gYLbUA by-text">BY</span><span class="sc-cc7d6b4a-3 jdpmmF list-item-wrapper"><a href="https://fortune.com/author/chris-butsch/" target="_self" class="sc-93594058-0 caCSpL styled-custom-link " data-cy="by-line-author" rel="author" aria-label="Go to Chris Butsch author's page">Chris Butsch</a></span></div></div></div></li></section></div></div><div class="infinite-scroll-button-spinner"><button class="sc-3e711a81-0 cvrZGY show-more hidden" type="button">Load 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