What’s everyone’s thoughts on Amex cobalt card? I haven’t paid attention to collecting points. Really feel like I’m missing out.

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What’s your goal on the points? It all depends as well. I don’t like to play too many cards at once just to maximize points. So I just keep 1-2 cards.

I personally use Chase Freedom unlimited (no fee) and the chase sapphire ($95 fee) combo. I'm not a total point freak and keep it simple for me. I average close to 2 points for every dollar.

I may get the southwest or Marriott card next depending on how my travel picks up for work.

The 5% rewards for eating out is OK, but $150 annual fee not good.
Fee based rewards cards, and FOMO are not a major part of saving for retirement.

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