Credit Cards

The Cube For Credit Cards

The Cube For Credit Cards

Are you feeling overwhelmed by the ever-growing list of credit card options out there? In a world full of tempting rewards programs, low-interest rates, and flashy card designs, it can be really tough to figure out which credit card is the best fit for you. Well, you're in luck! In this informative and engaging guide, we're going to simplify the decision-making process by introducing you to the Cube for Credit Cards. Get ready to navigate your way through the credit card maze with confidence!

What is the Cube for Credit Cards?

The Cube for Credit Cards is an easy-to-understand, comprehensive framework that helps you evaluate and compare different credit card options based on six key factors: Cashback, Utilities, Balance, Exclusives, and Fees (C.U.B.E.F.). By understanding each aspect of the Cube, you will be well-equipped to make a decision that best aligns with your financial goals, spending habits, and lifestyle preferences.


  • Assess the cashback reward rates offered by each credit card.
  • Take note of any bonus categories, spending caps, or rotating cashback rates.
  • Consider how important cashback rewards are relative to your spending habits and needs.


  • Evaluate each card for additional utility, including companion apps, integrated budgeting tools, security features, and travel benefits.
  • Think about which utilities would be most valuable to you and prioritize accordingly.


  • Look at the balance transfer offers, interest rates, and fees associated with carrying a balance.
  • Consider whether carrying a balance is important to your financial strategy and whether the offers can help save you money or improve your credit.


  • Examine each card for exclusive offers, such as discounts, access to special events, or partner perks.
  • Think about how often you shop with the card issuer's partner retailers or use the specific services offered.


  • Review and compare the annual fees, foreign transaction fees, cash advance fees, and any other fees that come with different credit cards.
  • Ask yourself if the benefits offered by a credit card outweigh any fees associated with it.

How to Use the Cube for Credit Cards

  1. Make a list of the credit cards you're considering.
  2. Go through each factor of the C.U.B.E.F. framework, grading each card based on how well it fulfills your requirements.
  3. Add up the scores across all six factors to arrive at a total score for each card.
  4. Rank the credit cards based on their total score and review your top choices to make a final decision.

The Cube For Credit Cards Example:

Imagine you're considering three different credit cards: Card A, Card B, and Card C. You evaluate each card and assign a score for each aspect of the C.U.B.E.F. framework. Based on your scoring, you find that Card A excels in cashback rewards and has moderate transaction fees but lacks exclusives or valuable utility features. Card B has excellent utility features and exclusives but a high annual fee and lower cashback rewards. Card C has a good balance transfer offer and low fees but only a modest cashback rewards program, with a few exclusives and utility features. Each card shines in different areas, but by comparing the total scores, you'll be able to decide which card best meets your unique needs and preferences.

There you have it: The Cube for Credit Cards - your definitive guide to analyzing and comparing different credit card options. By mastering this comprehensive framework, you'll be well-equipped in your quest to find the perfect card that suits your needs and maximizes your returns. As always, Flik Eco is here to help you make informed personal finance decisions that lead to a brighter financial future. Share this article with friends, family, or on social media, and be sure to explore other Flik Eco guides for even more practical tips and advice. Happy credit card hunting!


About Jermaine Hagan (The Plantsman)

Jermaine Hagan, also known as The Plantsman is the Founder of Flik Eco. Jermaine is the perfect hybrid of personal finance expert and nemophilist. On a mission to make personal finance simple and accessible, Jermaine uses his inside knowledge to help the average Joe, Kwame or Sarah to improve their lives. Before founding Flik Eco, Jermaine managed teams across several large financial companies, including Equifax, Admiral Plc, New Wave Capital & HSBC. He has been featured in several large publications including BBC, The Guardian & The Times.

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