Points & Rewards

There's a whole subculture of people flying business class on points they earned buying groceries. The game isn't gatekept so much as drowning in acronyms. Learn the shape of it once and you can squeeze meaningful value out of your normal spending without becoming a spreadsheet hermit. We cover which cards pull their weight, which are tourist traps, and when to stop playing altogether.

What you'll find here

• Which cards earn their annual fee and which ones don't
• Signup bonus math: what a bonus is worth in actual dollars
• Travel hacking without turning it into a second job
• Cashback stacking with shopping portals and card multipliers
• Minimum spends, annual fee timing, and downgrade paths
• When to skip points entirely

Writing in this pillar