Money Crashers

The mileage on a shop’s windshield sticker rarely matches your carmaker’s oil change schedule. Look up the interval in your owner’s manual, or follow your car’s oil-life monitor if it has one. On most newer cars, that interval runs thousands of miles past the old 3,000-mile rule.

Open a Robinhood account if you want a simple app for trading stocks, ETFs, and options without commissions. Add its $50-a-year Gold membership only if the 3.6% it pays on your cash, plus the extra 2% it adds to your IRA match, earns more than the fee.

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Get the Capital One Quicksilver if you travel abroad often and want one no-fee card that pays 1.5% cash back everywhere without a foreign transaction fee. If you rarely leave the U.S., a no-fee card paying a flat 2% will earn you more.

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Get the Lufthansa Miles & More card only if you fly Lufthansa from the U.S. at least once a year and can use its companion ticket, which covers a second traveler’s airfare on Lufthansa’s own flights. Otherwise, pick a card whose points transfer to several airlines, since Miles & More award tickets carry steep fuel surcharges.

Open the JetBlue Business Card if you fly JetBlue for work and check bags, since the free first bag for you and up to three companions can repay its $99 fee on one trip. If most company spending falls outside JetBlue, restaurants, and office supply stores, a 2% cash back business card earns more.