For many Americans, the prospect of navigating the complex world of credit card rewards can be daunting. A recent survey by NerdWallet found that 48% of Americans consider travel points and miles programs too complicated, and one in three credit card holders feel overwhelmed by the number of cards they possess.
Despite these challenges, credit cards with rewards remain popular, particularly among younger adults. American Express reported that millennials and Gen Z accounted for 75% of new Gold and Platinum cardholders in 2025, with these cards offering a myriad of perks and discounts.
Simple Strategies for Earning Rewards
For those who find the idea of tracking numerous rewards daunting, a few straightforward strategies can help. For instance, switching from a basic 1% cash-back card to one that offers higher returns on common expenses like groceries, streaming services, and gas can significantly increase rewards. This simple change can lead to earning 200% to 500% more in cash back in these categories.
Another approach is to use a card that offers 2% cash back on all purchases, effectively doubling the rewards compared to a 1% cash-back card. This strategy requires minimal effort and can yield substantial benefits.
Maximizing Rewards with Multiple Cards
For those comfortable managing more than one card, adding a second card can help fill in reward gaps. If your primary card offers higher rewards in specific categories but only 1% on others, a second card that provides 2% on all purchases can be used for those other expenses. Alternatively, a card that offers higher rewards in a different category, such as dining or travel, can complement your primary card.
Advanced Reward Strategies
For those willing to invest a bit more effort, a third card can address any remaining spending categories not covered by the first two. Additionally, cards offering perks beyond rewards points, such as travel credits or TSA PreCheck fee coverage, can enhance your overall experience. However, it’s important to manage these cards carefully to avoid complications.
Regardless of the number of cards you hold, staying on top of payment due dates is crucial to avoid late fees. Setting up alerts or autopay can ensure timely payments, allowing you to focus on reaping the rewards of your credit card strategy.
Original reporting: KTBS 3 (Shreveport) — read the source article.
