Part 10/13:

JS and Marilyn also recommend multiple credit cards aligned with different categories, spending consciously to hit bonus thresholds without overspending. Their disciplined approach and understanding of category bonuses have allowed them to enjoy international travel and accommodations at a fraction of the cost.

The Challenges of Managing Multiple Rewards Systems

While the rewards are tempting, managing multiple cards and apps requires significant discipline. Participants use tools like spreadsheets or simple visual cues to track spending limits, reward thresholds, or bonus caps, which can be overwhelming for less organized shoppers.