Does anyone have any advice for someone just dipping their toe in the world of credit card points? I've never really had a card that wracked up points in any meaningful way, and I feel like I am missing out.

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One of my favorite pasttimes is helping s lot of my friends pick the right card. I'm happy to help you do the same.

Agreed with other poster that sign-on bonuses matter.

Would love to know roughly monthly spend / how much you travel / what your spend the most money on (gas/travel/resteraunts/etc)

Generally I think chase sapphire preferred is a great starting point. If you want to go a bit more premium I'd look at the venture x.

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The reality of credit card points is that one large sign up bonus (SUB) is equivalent to years of nickel and diming an extra 2x points based on category spend.

Start with the free Chase cards that offer Ultimate Reward points (Freedom Unlimited and Freedom Flex), get comfortable using/paying off cards. Then add a Sapphire so you get access to transfer partners. That is where the real value lies.

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