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My wife is the same way. It hurts to think about all the points and miles we lost. My solution, which she really likes, is to use one card. In our case, it is the Amex gold. Sometimes I’ll swap if needed, but it’s always one card at a time.
Some people just don’t care about these micro-optimizations. I’d do what D1 said and give him 1, maybe 2 cards, to optimize (eg restaurants vs everyday purchases).
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My now ex wife was the same way. Then I took her to Japan in business on ANA on points and stayed at nice hotel on points. Seeing a tangible payoff was the deciding factor, and after that while she begrudgingly did it, she used MPX, shopping portals, and the correct CC.
My husband keeps using Chase Preferred in grocery stores (1.5%) when I keep asking him to use Amex Blue Cash Preferred (6%). Then he’ll use Amex for non-groceries which would be 1% only. Drives me crazy, but I tried explaining, I literally showed him how much money we get from rewards, but to no avail. 🤦🏻♀️ at least he let me set up preferred payment methods on all apps he’s using so that we can maximize points there, but in person is just impossible for him to remember. Luckily I do most of the buying/paying 🙂
I gave up trying. Best I can do is make sure I pay when we are out together. WFH has helped since now I go with her on most errands
What am I missing? I probably don’t optimize either, I just grab whichever card I find first. Does it really make a difference in the long run? Why not have just 1-2 cards to keep it simple?
Someone needs to teach me how to do this 😓
Can you give some examples of purchases and what card he should have used? And is he spending thousands a month where the extra 1-2 points really matters that much?
D4 has a perfect example of what I’m talking about.
I’m in a similar situation and found that the easy thing to do was to give my SO one strong well-rounded card for everything.
Truth is, the vast majority of people don’t see the value of the points game. My SO thinks it’s ludicrous to devote dozens of hours to scouring for signup bonuses, optimizing purchase decisions, etc in exchange for an upgrade to first class here and there.