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[quote=Anonymous][quote=Anonymous][quote=Anonymous] That said if a card has a “learning curve” and require a tutorial, I’m not interested.

Also, Reserve has an almost $600 annual fee, which is too much for me to pay.

[/quote]

That's a totally reasonable perspective. It is work/learning to use them well, and I think many/most people don't have much interest in doing that. Those who do tend to be the type who "enjoy the hunt" or see it as a hobby/puzzle with a nice reward. That's why I usually tell people who don't seem interested in it to just get a 2% cash back card. If you put $30k/year on the card, which seems pretty normal for a family with kids through regular spending, that's a nice extra $600 a year, to do whatever you want with it. Great solution for most people.[/quote]

Oh yeah the Reserve has a $300 annual credit against travel spend that is very broad, even includes things like metro/parking. So the net fee is really $250. Still too high for many, and I think the Sapphire Preferred is a better deal for probably 75% of people, especially in the US since the Reserve Priority Pass perk has very little value at most US airports, and that's the biggest perk difference to the Preferred.[/quote]

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