Are credit card points actually worth the effort?
I’ve always used a debit card because I don’t like the idea of spending money I haven’t got, but friends keep telling me I’m leaving points on the table. I probably put $2k to $3k a month through cards between groceries, bills and general spending. I could pay the balance in full every month, but I’m wondering whether the rewards are actually meaningful after annual fees and all the conditions. For people who use rewards cards properly, are you genuinely getting much value from them?
u/Cute_Piccolo_499 — 10 days ago