First get your head out of the r/creditcards/ThePointsGuy bubble. Most people aren’t fooling around with multiple cards trying to eke out which card gives them

First get your head out of the r/creditcards/ThePointsGuy bubble. Most people aren’t fooling around with multiple cards trying to eke out which card gives them the best multiplier and keeping track of rotating categories BS. I know the game - unlike most people - and even I got tired of worrying about multipliers and which card to use. All my spend either goes on the card I’m trying to get a sign up bonus for or my Delta Reserve to get MQDs toward Platinum Medallion. For instance, I can worry about juggling multiple cards for points, or I can just sign up for a Chase Ink card and get 90K points by spending $8000 in 3 months. The alternative is spending $30K to $90K chasing multipliers. (https://johnnyafrica.com/multiple-chase-ink-business-cards/ https://johnnyafrica.com/multiple-chase-ink-business-cards/) I use to talk to my friends about my credit card optimization strategy when I did it. They still just said they would use their one card. And banks don’t make money from credit card optimizers https://finance.yahoo.com/news/wells-fargo-may-pull-plug-113300068.html https://finance.yahoo.com/news/wells-fargo-may-pull-plug-113... The goal for credit card companies is for a consumer to have their one card as top of wallet. Any point multiplier over 3x - especially for cash back cards - is a lost leader hoping that you will use the card for all of the 1x categories.