These days, using the right credit card to buy groceries can earn you a free trip to Florida. But getting that trip takes having the right card and using it at the right time. Hardcore point enthusiasts treat it like a full time job. But what if you can’t devote 30 hours a week to obsessing about credit-card points? If that’s the case, don’t worry—there are only two questions you need to ask: is this all worth it? If yes, what credit cards should I have?
Is it worth it?
Probably yes. Unless you never travel or go to events. The Points Guy, a website dedicated to hacking travel, calculated the point to dollar conversion rate each month for credit cards. American Express and Chase points are consistently among the most valuable, at about $0.02 per point.