Ben Keil

Blog

Thoughts on startups, software, finance, coffee, and whatever else I'm learning.

I Kept My Sapphire Preferred Another Year

I almost canceled the Sapphire Preferred, despite its travel protection. When I planned a vacation in 2024, I realized this was the best time to apply for a credit card. What I am about to tell you is my story, and is by no means advice, as this kind of thinking is what quickly causes credit card debt.

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The Coupon Book Model

They trick people into spending more by telling them they’re saving. I have been a strong supporter of finding people the right credit card for them. I get asked frequently by friends, family, and sometimes even coworkers who learn about this terrible secret, “which credit card is best for me”.

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Customized Cash Rewards Credit Card

This one credit card launched one of my longest running obsessions. When I was 18, I really wanted a Credit Card. There was a certain idea in my head about owning a credit card. It was something adults had, it sounded more luxurious, “I’ll pay for this with my Credit Card.” Mostly, I wanted to experience the financial responsibility of having a credit card.

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Day One

I tried writing a blog when I was 14 and it failed miserably. That isn‘t the whole truth, however. I built a static html website and hosted it on some free hosting service, and added a few posts that were no longer than a tweet. No metrics on viewership and no consistency on content, it was mostly nonsense. I had no reason for making this besides a common dream shared by 14-year olds: to be famous. But certainly not to...

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