depends what you mean by a lot of people. r/churning is a relatively large sub (~282k members), and that's dedicated to a fairly aggressive form of the game. a

depends what you mean by a lot of people. r/churning is a relatively large sub (~282k members), and that's dedicated to a fairly aggressive form of the game. as to whether it's worth it, depends how you value your time. I'm a fairly modest spender; I get about $150 in cashback rewards and $200+ from signup bonuses each year. I don't travel much, so it would be hard for me to break even on any points card with an annual fee. not a huge chunk of change, but a decent return on ~2 hours spent each year with an excel spreadsheet. there's not much month-to-month overhead if you use autopay and something like personal capital to track your finances.