In Wheel Time - Cartalk Radio

Gas prices are high, but the fastest way to make them worse is chasing “savings” with the wrong plastic. We sit down with Chip Lupo from WalletHub to sort out the confusing world of gas credit cards, gas rewards, and cash back credit cards, including why some gas cards run 30% to 40% APR and the one rule that makes rewards actually work: pay it off in full every month.We get specific about how to choose a card without wrecking your credit score, from hard inquiries and timing your applications to avoiding annual fees that never pay you back. Chip also explains how intro 0% APR offers and sign-up bonuses can be helpful tools or expensive traps, and we talk through a real example of category-based cash back that can boost your fuel savings without changing your routine. Then we zoom in on the pump itself: credit card surcharges, when cash pricing can win, and why using a debit card at the pump is a fraud risk you do not need.After the money talk, Jeff’s Car Culture heads into the garage with five tool brands me