{"id":4904,"date":"2025-06-15T01:16:04","date_gmt":"2025-06-15T04:16:04","guid":{"rendered":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/?p=4904"},"modified":"2025-06-15T01:16:04","modified_gmt":"2025-06-15T04:16:04","slug":"what-is-a-value-based-credit-card-rewards-system","status":"publish","type":"post","link":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/","title":{"rendered":"What is a value-based credit card rewards system?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Understanding_Marginal_Tax_Rate_A_Comprehensive_Glossary_Guide\" >Understanding Marginal Tax Rate: A Comprehensive Glossary Guide<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#What_is_Marginal_Tax_Rate\" >What is Marginal Tax Rate?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#How_Marginal_Tax_Rate_Differs_from_Effective_Tax_Rate\" >How Marginal Tax Rate Differs from Effective Tax Rate<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#How_the_Marginal_Tax_Rate_Works_in_the_US\" >How the Marginal Tax Rate Works in the U.S.<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Federal_Income_Tax_Brackets\" >Federal Income Tax Brackets<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#State_Income_Tax_and_Marginal_Rates\" >State Income Tax and Marginal Rates<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Why_the_Marginal_Tax_Rate_Matters\" >Why the Marginal Tax Rate Matters<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Impact_on_Overtime_and_Bonuses\" >Impact on Overtime and Bonuses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Decision_Making_for_Additional_Income\" >Decision Making for Additional Income<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#How_to_Calculate_Your_Marginal_Tax_Rate\" >How to Calculate Your Marginal Tax Rate<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Step-by-Step_Calculation\" >Step-by-Step Calculation<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Factors_That_Affect_Your_Marginal_Tax_Rate\" >Factors That Affect Your Marginal Tax Rate<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Filing_Status\" >Filing Status<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Deductions_and_Credits\" >Deductions and Credits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Additional_Taxes\" >Additional Taxes<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Common_Misconceptions_About_Marginal_Tax_Rate\" >Common Misconceptions About Marginal Tax Rate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Using_Marginal_Tax_Rate_to_Your_Advantage\" >Using Marginal Tax Rate to Your Advantage<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Tax-Deferred_Retirement_Accounts\" >Tax-Deferred Retirement Accounts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Tax-Loss_Harvesting\" >Tax-Loss Harvesting<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Income_Timing\" >Income Timing<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Marginal_Tax_Rate_and_Social_Security_Taxes\" >Marginal Tax Rate and Social Security Taxes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Summary\" >Summary<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Related_Articles\" >Related Articles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Our_Categories\" >Our Categories:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#What_is_a_Value-Based_Credit_Card_Rewards_System\" >What is a Value-Based Credit Card Rewards System?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Frequently_Asked_Questions_about_Value-Based_Credit_Card_Rewards_Systems\" >Frequently Asked Questions about Value-Based Credit Card Rewards Systems<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#What_exactly_is_a_value-based_credit_card_rewards_system\" >What exactly is a value-based credit card rewards system?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#How_does_it_differ_from_regular_rewards_programs\" >How does it differ from regular rewards programs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Can_I_earn_rewards_on_all_purchases\" >Can I earn rewards on all purchases?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Are_value-based_rewards_programs_worth_it\" >Are value-based rewards programs worth it?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#What_types_of_rewards_do_these_cards_offer\" >What types of rewards do these cards offer?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#How_do_I_know_if_a_value-based_rewards_card_suits_me\" >How do I know if a value-based rewards card suits me?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Do_these_rewards_expire\" >Do these rewards expire?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Can_I_combine_rewards_from_different_cards\" >Can I combine rewards from different cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Are_there_any_fees_associated_with_these_cards\" >Are there any fees associated with these cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Is_a_value-based_rewards_card_good_for_travel\" >Is a value-based rewards card good for travel?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#How_do_points_redemption_work\" >How do points redemption work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Are_the_rewards_rate_higher_than_flat-rate_cashback_cards\" >Are the rewards rate higher than flat-rate cashback cards?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Can_I_track_my_rewards_easily\" >Can I track my rewards easily?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Do_value-based_rewards_cards_have_introductory_bonuses\" >Do value-based rewards cards have introductory bonuses?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#How_do_I_apply_for_a_value-based_rewards_credit_card\" >How do I apply for a value-based rewards credit card?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4904\/#Also_discover\" >Also discover<\/a><\/li><\/ul><\/nav><\/div>\n<p><strong>What is a value-based credit card rewards system?<\/strong><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_Marginal_Tax_Rate_A_Comprehensive_Glossary_Guide\"><\/span>Understanding Marginal Tax Rate: A Comprehensive Glossary Guide<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When diving into the world of personal finance and taxes, one term that often appears and can sometimes be confusing is the <strong>marginal tax rate<\/strong>. Whether you\u2019re a taxpayer trying to understand your paycheck or someone planning your financial future, knowing how the marginal tax rate works is crucial. This glossary article aims to clarify what the marginal tax rate is, how it\u2019s calculated, and why it matters for your financial decisions. By the end, you\u2019ll have a clear understanding of this tax concept and how it can impact your income and tax planning strategies.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Marginal_Tax_Rate\"><\/span>What is Marginal Tax Rate?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>marginal tax rate<\/strong> is the percentage of tax applied to your last dollar of income. In other words, it\u2019s the tax rate you pay on the next dollar you earn, not your entire income. Because the United States uses a progressive tax system, income is taxed at different rates as it increases through various income brackets.<\/p>\n<p>This system means that your income isn\u2019t taxed at a flat rate. Instead, each portion of income falls into different brackets, each with its own tax rate. The marginal tax rate is the highest rate you pay on any additional dollar earned.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_Marginal_Tax_Rate_Differs_from_Effective_Tax_Rate\"><\/span>How Marginal Tax Rate Differs from Effective Tax Rate<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It\u2019s important to distinguish the <em>marginal tax rate<\/em> from the <strong>effective tax rate<\/strong>. While the marginal tax rate applies to your last dollar earned, the effective tax rate is the overall percentage of your income paid in taxes after averaging all your tax brackets.<\/p>\n<ul>\n<li><strong>Marginal Tax Rate:<\/strong> Rate on your next dollar of income.<\/li>\n<li><strong>Effective Tax Rate:<\/strong> Average rate you pay on all your income.<\/li>\n<\/ul>\n<p>For example, if you earn $60,000 and fall into a 22% marginal tax bracket, you pay 22% tax on your income above the threshold for that bracket. However, your effective tax rate might be around 15%, because the lower portions of your income are taxed at lower rates.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_the_Marginal_Tax_Rate_Works_in_the_US\"><\/span>How the Marginal Tax Rate Works in the U.S.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The U.S. federal income tax system is progressive, with tax brackets that increase as your taxable income rises. Every year, the IRS publishes tax brackets for different filing statuses such as single, married filing jointly, or head of household. These brackets determine the marginal tax rate for every taxpayer.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Federal_Income_Tax_Brackets\"><\/span>Federal Income Tax Brackets<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Here\u2019s a simplified example of tax brackets for a single filer, which are updated annually:<\/p>\n<ul>\n<li>10% on income up to $11,000<\/li>\n<li>12% on income between $11,001 and $44,725<\/li>\n<li>22% on income between $44,726 and $95,375<\/li>\n<li>24% on income between $95,376 and $182,100<\/li>\n<li>32% on income between $182,101 and $231,250<\/li>\n<li>35% on income between $231,251 and $578,125<\/li>\n<li>37% on income over $578,125<\/li>\n<\/ul>\n<p>If your taxable income puts you in the 22% bracket, your marginal tax rate is 22%. But you only pay 22% on the dollars that fall within that bracket above $44,725. Income below that is taxed at lower brackets.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"State_Income_Tax_and_Marginal_Rates\"><\/span>State Income Tax and Marginal Rates<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Besides federal taxes, many states levy income taxes with their own marginal tax rates and brackets. This means you can have a combined marginal tax rate from both federal and state levels. Some states, like Florida or Texas, have no state income tax, while others have steep marginal rates that increase your overall tax burden.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_the_Marginal_Tax_Rate_Matters\"><\/span>Why the Marginal Tax Rate Matters<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Understanding your marginal tax rate is essential for several reasons:<\/p>\n<ul>\n<li><strong>Financial Planning:<\/strong> It helps you make informed decisions about earning additional income, knowing how much you\u2019ll keep after tax.<\/li>\n<li><strong>Tax Efficiency:<\/strong> Planning tax deductions, retirement contributions, or other tax-saving strategies depends on knowing your marginal tax rate.<\/li>\n<li><strong>Investment Decisions:<\/strong> Some investment returns might be taxable at different rates, so your marginal tax bracket affects your after-tax returns.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Impact_on_Overtime_and_Bonuses\"><\/span>Impact on Overtime and Bonuses<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>When you work overtime or receive a bonus, this extra income is taxed at your marginal tax rate. If your bonus pushes your income into a higher tax bracket, the additional income could be taxed more heavily. However, only the income in the higher bracket is taxed at the higher rate, not your entire income.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Decision_Making_for_Additional_Income\"><\/span>Decision Making for Additional Income<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you\u2019re considering taking on extra freelance work or a part-time job, understanding your marginal tax rate helps predict how much of that extra earning you will actually keep once taxes are deducted.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Calculate_Your_Marginal_Tax_Rate\"><\/span>How to Calculate Your Marginal Tax Rate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Calculating your marginal tax rate involves a few steps but can be straightforward if you know your taxable income and tax brackets.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step-by-Step_Calculation\"><\/span>Step-by-Step Calculation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Step 1:<\/strong> Determine your taxable income by subtracting deductions and exemptions from your gross income.<\/li>\n<li><strong>Step 2:<\/strong> Refer to the current IRS tax brackets for your filing status.<\/li>\n<li><strong>Step 3:<\/strong> Identify which tax bracket your taxable income falls into.<\/li>\n<li><strong>Step 4:<\/strong> The percentage for that bracket is your marginal tax rate.<\/li>\n<\/ul>\n<p>For example, if a single filer\u2019s taxable income is $70,000:<\/p>\n<ul>\n<li>Income up to $11,000 is taxed at 10%<\/li>\n<li>The amount between $11,001 and $44,725 is taxed at 12%<\/li>\n<li>The amount between $44,726 and $70,000 is taxed at 22%<\/li>\n<\/ul>\n<p>The marginal tax rate here is 22%, since the last dollar earned is within that bracket.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Factors_That_Affect_Your_Marginal_Tax_Rate\"><\/span>Factors That Affect Your Marginal Tax Rate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Several elements can influence your marginal tax rate beyond just your income level.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Filing_Status\"><\/span>Filing Status<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Your filing status (single, married filing jointly, head of household, etc.) changes the income brackets for marginal rates. Married couples filing jointly typically have wider brackets before entering higher tax rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Deductions_and_Credits\"><\/span>Deductions and Credits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>While deductions lower your taxable income and can reduce the tax bracket you fall into, tax credits directly reduce your tax bill dollar-for-dollar but do not affect your marginal tax rate.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Additional_Taxes\"><\/span>Additional Taxes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Additional taxes such as the Net Investment Income Tax (NIIT) or Alternative Minimum Tax (AMT) can effectively raise your marginal tax rate on specific types of income.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_Misconceptions_About_Marginal_Tax_Rate\"><\/span>Common Misconceptions About Marginal Tax Rate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are some frequent misunderstandings when it comes to the marginal tax rate:<\/p>\n<ul>\n<li><strong>Misconception 1:<\/strong> Your entire income is taxed at your marginal rate. <br \/> <em>Reality:<\/em> Only the top portion of your income is taxed at that rate.<\/li>\n<li><strong>Misconception 2:<\/strong> Moving into a higher tax bracket means you keep less money overall. <br \/> <em>Reality:<\/em> You take home more money even if some income is taxed at a higher rate.<\/li>\n<li><strong>Misconception 3:<\/strong> Marginal tax rate affects tax credits. <br \/> <em>Reality:<\/em> Tax credits generally do not impact your marginal tax rate.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Using_Marginal_Tax_Rate_to_Your_Advantage\"><\/span>Using Marginal Tax Rate to Your Advantage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Smart financial strategies can take your marginal tax rate into account to minimize taxes and maximize income.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tax-Deferred_Retirement_Accounts\"><\/span>Tax-Deferred Retirement Accounts<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Contributing to 401(k) or Traditional IRA lowers your taxable income, potentially dropping you into a lower marginal tax bracket. This reduces the taxes on your current income while saving for retirement.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Tax-Loss_Harvesting\"><\/span>Tax-Loss Harvesting<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you have investments, selling losing positions helps offset gains and reduces taxable income, which can help reduce your marginal tax rate for the year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Income_Timing\"><\/span>Income Timing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Deferring income to a future year or accelerating deductions into the current year can help manage your marginal tax bracket to minimize tax bills.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Marginal_Tax_Rate_and_Social_Security_Taxes\"><\/span>Marginal Tax Rate and Social Security Taxes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While the marginal tax rate primarily refers to federal (and state) income taxes, Social Security and Medicare taxes also apply but function differently. Social Security tax is a flat percentage up to a wage limit, so it doesn\u2019t vary with tax brackets, but it still affects the overall tax burden on additional income.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Summary\"><\/span>Summary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <strong>marginal tax rate<\/strong> is a foundational concept in U.S. taxation, representing the rate at which your next dollar of income is taxed. It is vital for understanding how much of your additional income you get to keep and for planning your finances effectively. By knowing your marginal tax rate, you can make smarter choices about earning, saving, investing, and reducing your tax liabilities.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-236\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-30.webp\" alt=\"Thumbnail Smart Finance (30)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-30.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-30-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-30-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-30-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Related_Articles\"><\/span>Related Articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"page-generator-pro-related-links page-generator-pro-related-links-columns-1 page-generator-pro-related-links-prev-next page-generator-pro-related-links-vertical\"><li class=\"prev\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4899\/\" title=\"What is a validation code on a credit card?\">What is a validation code on a credit card?\n                            <\/a>\n                        <\/li><li class=\"next\">\n                            <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/4897\/\" title=\"What is a variable APR?\">What is a variable APR?\n                            <\/a>\n                        <\/li><\/ul>\n<p>Our HOME in English: <a href=\"https:\/\/finance.familiaeabiblia.com.br\/\" target=\"_blank\" rel=\"noopener\">Smart Finance: Learn, Invest, and Grow<\/a><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-233\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-27.webp\" alt=\"Thumbnail Smart Finance (27)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-27.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-27-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-27-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-27-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Our_Categories\"><\/span>Our Categories:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul class=\"wp-block-list\">\n<li>\ud83d\udcb3 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/\">Credit Cards<\/a>: Comparisons, reviews, and tips to choose the best card for your profile \u2014 cashback, travel rewards, no annual fee, and more.<\/li>\n<li>\ud83c\udfe6 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/digital-banks\/\">Digital Banks<\/a>: Practical guides and evaluations of digital bank accounts, fees, benefits, and services.<\/li>\n<li>\ud83d\udcc8 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/investing\/\">Investments<\/a>: Beginner guides, fixed income and variable income options, real estate investment trusts (REITs), and more.<\/li>\n<li>\ud83e\uddee <a href=\"https:\/\/finance.familiaeabiblia.com.br\/financial-education\/\">Financial Education<\/a>: Learn to manage your budget, build an emergency fund, and get out of debt.<\/li>\n<li>\ud83d\ude97 <a href=\"https:\/\/finance.familiaeabiblia.com.br\/loans-financing\/\">Loans and Financing<\/a>: Explanations about mortgage, auto, and student loans, with smart money-saving tips.<\/li>\n<li>\ud83d\udee1\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/insurance\/\">Insurance<\/a>: Information about the most important types of insurance to protect your family and assets.<\/li>\n<li>\ud83d\udcca <a href=\"https:\/\/finance.familiaeabiblia.com.br\/taxes-income\/\">Taxes and Income<\/a>: Guidance on tax filing, investment taxation, and fiscal responsibilities.<\/li>\n<li>\ud83c\udfd6\ufe0f <a href=\"https:\/\/finance.familiaeabiblia.com.br\/retirement-planning\/\">Retirement Planning<\/a>: Tips to plan your retirement with private retirement plans, Social Security benefits, and passive income strategies.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-240\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-34.webp\" alt=\"Thumbnail Smart Finance (34)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-34.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-34-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-34-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-34-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Value-Based_Credit_Card_Rewards_System\"><\/span>What is a Value-Based Credit Card Rewards System?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Choosing the right credit card rewards program can be confusing. A <strong>value-based credit card rewards system<\/strong> is designed to give you rewards that truly matter\u2014prioritizing benefits and points that align with your spending habits and lifestyle. Instead of generic cashback or points, these systems focus on maximizing your value by offering rewards that reflect your preferences, whether it\u2019s travel, dining, or everyday purchases.<\/p>\n<p>Many Americans seek rewards that offer the best return on their spending, and a value-based system ensures you get more bang for your buck. These cards tailor rewards to categories where you spend the most, helping you save money and redeem benefits more effectively. It\u2019s about smarter rewards that match your real needs, enabling you to enjoy perks that are useful and convenient.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_about_Value-Based_Credit_Card_Rewards_Systems\"><\/span>Frequently Asked Questions about Value-Based Credit Card Rewards Systems<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_exactly_is_a_value-based_credit_card_rewards_system\"><\/span>What exactly is a value-based credit card rewards system?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A value-based rewards system offers credit card rewards based on your spending habits, focusing on the categories where you get the most value, rather than flat or generic rewards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_does_it_differ_from_regular_rewards_programs\"><\/span>How does it differ from regular rewards programs?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Unlike standard programs, it customizes rewards to fit your lifestyle, maximizing benefits where you spend most, like groceries, travel, or gas.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_earn_rewards_on_all_purchases\"><\/span>Can I earn rewards on all purchases?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, but value-based cards often give higher rewards on select categories and standard rewards on others.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_value-based_rewards_programs_worth_it\"><\/span>Are value-based rewards programs worth it?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>They can be valuable if you spend significantly in the rewarded categories, helping you earn more benefits than flat-rate cards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_types_of_rewards_do_these_cards_offer\"><\/span>What types of rewards do these cards offer?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Common rewards include cashback, points redeemable for travel, gift cards, statement credits, or merchandise.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_I_know_if_a_value-based_rewards_card_suits_me\"><\/span>How do I know if a value-based rewards card suits me?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Analyze your spending patterns; if you spend more in certain categories, a value-based card can maximize your rewards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_these_rewards_expire\"><\/span>Do these rewards expire?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It depends on the card issuer; some points or rewards have expiration dates, so check terms carefully.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_combine_rewards_from_different_cards\"><\/span>Can I combine rewards from different cards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some programs allow combining, but policies vary by issuer\u2014read terms to confirm.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_there_any_fees_associated_with_these_cards\"><\/span>Are there any fees associated with these cards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Some value-based cards may have annual fees, but many offer no-fee options; weigh fees against benefits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_a_value-based_rewards_card_good_for_travel\"><\/span>Is a value-based rewards card good for travel?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Many are ideal for travel spenders, offering enhanced rewards on flights, hotels, and dining.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_points_redemption_work\"><\/span>How do points redemption work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Points can be redeemed online or via mobile apps for various options like travel bookings or gift cards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_the_rewards_rate_higher_than_flat-rate_cashback_cards\"><\/span>Are the rewards rate higher than flat-rate cashback cards?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Often yes, in specific categories, but lower for other purchases, so it depends on your spending mix.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_track_my_rewards_easily\"><\/span>Can I track my rewards easily?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Most issuers provide user-friendly online portals and apps to monitor your earned rewards.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_value-based_rewards_cards_have_introductory_bonuses\"><\/span>Do value-based rewards cards have introductory bonuses?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Many offer sign-up bonuses when you meet initial spending requirements within a few months.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_do_I_apply_for_a_value-based_rewards_credit_card\"><\/span>How do I apply for a value-based rewards credit card?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You can apply online through issuer websites, ensuring you meet credit score requirements for approval.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A <strong>value-based credit card rewards system<\/strong> is an excellent way for American consumers to maximize the benefits they receive from everyday spending. By tailoring rewards to your specific spending habits, these credit cards help you earn more where it matters most\u2014whether that\u2019s groceries, travel, gas, or dining out. Instead of generic flat-rate rewards, this system ensures you get the highest possible return, making your spending more rewarding and practical. This approach encourages smarter financial decisions and adds real value to your purchases. If you\u2019re looking to boost your rewards and enjoy perks that align with your lifestyle, exploring value-based credit card rewards systems could be the key to unlocking greater savings and benefits. Before applying, consider your spending habits, evaluate fees, and compare available cards to find the right fit. With thoughtful selection, these rewards programs can turn your regular spending into a powerful tool for savings and perks, helping you make the most of your financial life.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-235\" src=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-29.webp\" alt=\"Thumbnail Smart Finance (29)\" width=\"800\" height=\"540\" srcset=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-29.webp 800w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-29-300x203.webp 300w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-29-768x518.webp 768w, https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-content\/uploads\/2025\/04\/Thumbnail-Smart-Finance-29-220x150.webp 220w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Also_discover\"><\/span>Also discover<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong><a href=\"https:\/\/finance.familiaeabiblia.com.br\/glossary\/\" target=\"_blank\" rel=\"noopener\">Glossary Finance<\/a><\/strong><\/li>\n<li><strong><a class=\"row-title\" href=\"https:\/\/finance.familiaeabiblia.com.br\/faq-finance\" target=\"_blank\" rel=\"noopener\" aria-label=\"\u201cFAQ \u2013 Frequently Asked Questions\u201d (Edit)\">FAQ \u2013 Frequently Asked Questions<\/a><\/strong><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/glossary-credit-cards\/\">Credit Cards &#8211; GLOSSARY<\/a><\/li>\n<li><a href=\"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/faq-credit-cards\">Credit Cards &#8211; FAQ<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>What is a value-based credit card rewards system? Understanding Marginal Tax Rate: A Comprehensive Glossary Guide When diving into the world of personal finance and taxes, one term that often appears and can sometimes be confusing is the marginal tax rate. Whether you\u2019re a taxpayer trying to understand your paycheck or someone planning your financial &hellip;<\/p>\n","protected":false},"author":3,"featured_media":215,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[54],"tags":[],"class_list":["post-4904","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-glossary-credit-cards"],"_links":{"self":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/4904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/comments?post=4904"}],"version-history":[{"count":1,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/4904\/revisions"}],"predecessor-version":[{"id":6079,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/posts\/4904\/revisions\/6079"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media\/215"}],"wp:attachment":[{"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/media?parent=4904"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/categories?post=4904"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.familiaeabiblia.com.br\/credit-cards\/wp-json\/wp\/v2\/tags?post=4904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}