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Whichever option you choose, it’s best to find a card that reports to all three major credit bureaus so your on-time payments can help strengthen your credit score as quickly as possible.

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These games are completely free for the platforms listed, though some may require free game store software installation (Steam, etc.) or email list signup.

This can be an Essential (the basic level), the mid-tier Extra subscription, or the top-end Premium subscription, as all will get you the monthly free games. If you're keen to jump in or want to ...

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including the newest benefits added in celebration of its first anniversary. The TAP American Express card comes with a fairly extensive slate of benefits, all of which only require a $79 annual fee.

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