Today’s top story: ‘Perks’ don’t make the bank – rates do. Also in the news: 3 major ways credit cards have changed in the past decade, 5 money hacks hiding in your wallet, and the 6 worst ways to redeem your credit card rewards.

‘Perks’ Don’t Make the Bank — Rates Do
Free ATMs aren’t really a perk.

3 Major Ways Credit Cards Have Changed in the Past Decade
Consumer protections are much improved.

5 Money Hacks Hiding in Your Wallet
Finding untapped benefits.

The 6 worst ways to redeem your credit card rewards
Redemption options to avoid.