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[quote=Anonymous][quote=Anonymous][quote=Anonymous]https://thepointsguy.com/credit-cards/cash-back-vs-points-and-miles/

I don't know the details, but you could probably figure out some way that would save you money, by getting a different card, and even allocating your spending among different cards to maximize the benefits, then figuring out how best to use the points.

But you know why I don't know? Because I figure that I have enough money that doing all that work isn't worth my time, and I don't have nearly as much as you do. (I just use a points card and every 4-5 years pay for a large family trip with the points. I don't know if cash back would be better, but again, I prefer simplicity to maximizing reward value.) With a 1% back and $20,000 in spending, you're getting $200 a month. Say using points would bump that up to $300. Is it worth the effort? $400?

Different people have different preferences; some people enjoy the game.[/quote]

Op here. The headache of managing this does not seem worth it to me for $100-$200 per month. My time has more value than that. [/quote]

16:47 here. Here's a super simple way to do this:
Get the AmEx Platinum, and Chase Sapphire reserve. Between the two, they cover al the good frequent flyer programs. Your annual fee is about $1,100 total but you'll get nearly all that back by spending, as you get rebated.

Then put all airline tickets on AmEx to earn 5x miles. You have to buy on the airline's site (not Expedia) or AmEx's site. Everything else goes on Chase.

Easy: AmEx for airline tickets, Chase for everything else.

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