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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]

You don’t get it. There is no managing anything needed. I have 2 cards like you and I get ton of value out of them without having to manage anything.
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