It earns eye-popping rates at some of the biggest brands in America, including Amazon, Target and Walmart, plus 3% back in other popular categories. But there's a rewards cap and an annual fee ...

According to West, people do possess the ability to change, but it’s still important to acknowledge that patterns are real.

Here are 35 phrases to greet a guy and make sure he can't stop thinking about you all day long. You'll be on his mind forever!