Anonymous
Post 07/28/2025 13:29     Subject: I don’t track points at all
You lost me at "We don’t fly that often. Maybe the whole family (5 of us) 3 times per year."
Anonymous
Post 07/28/2025 12:51     Subject: I don’t track points at all
Anonymous wrote:I don’t get why you use credit cards that give you miles if you don’t care about using them for travel. Why not use something like citi 2% cash back on everything then. Super easy.


This!! If you don't want to waste time tracking, then get a 2% cash back and be done. It's still a "good return" and requires no effort

Anonymous
Post 07/28/2025 08:18     Subject: I don’t track points at all
Anonymous wrote:I don't even want a card with points. Give me cash and credit it automatically.Keep it simple.
What's with the income story?[/quote]

Oh that's just standard DCUMing Penthouse Forum, but with money
Anonymous
Post 07/28/2025 07:58     Subject: I don’t track points at all
I don't even want a card with points. Give me cash and credit it automatically.Keep it simple.
What's with the income story?
Anonymous
Post 07/28/2025 06:45     Subject: I don’t track points at all
Anonymous wrote:I don’t get why you use credit cards that give you miles if you don’t care about using them for travel. Why not use something like citi 2% cash back on everything then. Super easy.


+1. If you’re just going to redeem for cash anyway, one of the several 2% back cards is probably simplest and may give a better value.
Anonymous
Post 07/27/2025 21:35     Subject: I don’t track points at all
Anonymous wrote:"We are very HHI ($2-3M) with a once a decade eight figure year and UHNW."

Troll

Nobody in this situation is flying economy or taking the train to Boston.


Yes. Not pp, but income over 1M per year. I won't book a quick flight in business class because it's just not worth it. I'm thin and the seats are fine.

I also stay at Fairfield Inn etc sometimes. And I regularly pass on items I deem to expensive, out of a sense of justice.
Anonymous
Post 07/27/2025 21:31     Subject: I don’t track points at all
We are also high income. I don't track points, but I do check when I book. The issue is, normally our travel agent books our travel. So I use the points when I book things myself. I was able to book at a hotel that normally goes for $1500/night entirely on points. 😀
Anonymous
Post 07/27/2025 21:26     Subject: I don’t track points at all
Anonymous wrote:We don’t keep track of hotel or airline points at all.

We don’t fly that often. Maybe the whole family (5 of us) 3 times per year. No business travel ever. Flights are usually 2 domestic and one to Europe per year. We usually fly economy or economy plus. We are smaller people.

When we stay in hotels it’s usually at a fancy resort or a last minute hotel booking often at an iconic hotel.

We do travel a bit more than 3 times per year but usually just to east coast cities for an extended weekend like nyc, philly or Boston. We often go by train.

We are very HHI ($2-3M) with a once a decade eight figure year and UHNW. Nearly all of our income is passive although maybe half is taxed at ordinary income rates due to it being earned as interest or rental income.

We accumulate a considerable amount of credit miles (maybe 200,000-400,000 per year) but usually just spend it at Amazon or visa gift cards.

Is worrying about points worth my time?



Given that travel/comfort in travel is clearly not a major priority for you coupled with the fact that 200-400k miles is worth maybe the equivalent of 2 hours work at your HHI the answer to this seems pretty obvious.

You’re either a troll or a fool (or likely both).
Anonymous
Post 07/27/2025 21:25     Subject: I don’t track points at all
You don't track points becuse you don't need to.

Thanks for sharing!
Anonymous
Post 07/27/2025 21:08     Subject: I don’t track points at all
Anonymous wrote:"We are very HHI ($2-3M) with a once a decade eight figure year and UHNW."

Troll

Nobody in this situation is flying economy or taking the train to Boston.


Um not the OP, but yes
I took my college kid to visit colleges up and down the east coast this summer on the train and value airlines (yes to the schools that we will be paying $90k a year for if she gets in). . I have never flown first class - but my DH does thru work

Out HHI is “only” 1.5M though
Anonymous
Post 07/27/2025 21:03     Subject: I don’t track points at all
Cool story. Yay you! I make a lot less than you and it's too bothersome for me to track airline rewards. If I can upgrade once in a while, great. I've got a FT job and kids and myriad of other priorities in life. Sounds like you are doing fine without bothering with points and rewards too. Go celebrate.