This is a stupid question, how do you keep track of what benefits each card has to maximize points? For example some give higher points for travel, some on restaurants, some on gas. Some include a free hotel night stay if you buy 3, etc. When you grab a card to pay how do you remember which one will give you the most points?

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Posting as :
works at
You are currently posting as works at

ABC
Always be churning
I'm only ever putting spend on the card I just opened for a bonus

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I see it as a fun game, so I remember them all. Including the rotating categories and targeted offers. Believe there are apps that let you know which card to use.

For most people, you're fine just using a simple Chase tri/quad-fecta and/or a Cap One duo.

But as already commented above, churning is way more lucrative than chasing an extra 2% here or there.

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This is what I keep in my Notes:
Flights: 3% Amex Gold or 5% thro Cap One Travel
Dining: 4% Amex Gold
Supermarkets (not Costco): 4% Amex Gold
Groceries: 5% Freedom
Gas: 5% Citi Flex
Marriott Hotels: 6% Marriott Boundless
Other Hotels: 10% thro Cap One Travel
Drugstores: 3% Freedom Unlimited
Everything else: 2% Venture X

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Max rewards app

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There are stickers you can put on your card. Google credit card point stickers.

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Exactly this. I label my cards. I also only add cards to online accounts that maximize my posts when I shop there.

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MaxRewards is pretty solid

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I just have it memorized honestly. I like number and math. Cards I’m not actively using go in a binder (say freedom flex when not in use).

I’m a mom of 4 with a career, my brain doesn’t work like that anymore 🥴

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