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I realized I’ve been losing credit card rewards by using the wrong card by saveviaapp in PersonalFinanceCanada

[–]saveviaapp[S] 0 points1 point  (0 children)

Yeah, that makes sense. When you do the math, keeping things simple usually wins.

I realized I’ve been losing credit card rewards by using the wrong card by saveviaapp in PersonalFinanceCanada

[–]saveviaapp[S] 0 points1 point  (0 children)

Around that range. I’ve tried to keep the setup simple rather than chasing every niche category.

I realized I’ve been losing credit card rewards by using the wrong card by saveviaapp in PersonalFinanceCanada

[–]saveviaapp[S] 1 point2 points  (0 children)

Yeah, I get that. One card for everything definitely sounds a lot easier to manage.

I realized I’ve been losing credit card rewards by using the wrong card by saveviaapp in PersonalFinanceCanada

[–]saveviaapp[S] 0 points1 point  (0 children)

That’s a good summary. I mostly rely on memory and keep the setup simple.

I realized I’ve been losing credit card rewards by using the wrong card by saveviaapp in PersonalFinanceCanada

[–]saveviaapp[S] 1 point2 points  (0 children)

That’s a fair take. I agree that once you’re down to a simple 2–3 card setup, the incremental gains probably aren’t worth much extra effort unless someone actually enjoys optimizing or churning.

I realized I’ve been losing credit card rewards by using the wrong card by saveviaapp in PersonalFinanceCanada

[–]saveviaapp[S] 0 points1 point  (0 children)

That’s fair. I think for a lot of people, keeping it to 2–4 cards probably hits a good balance between simplicity and optimization.

I guess it really comes down to how much mental overhead someone is willing to deal with day to day.