Narrowing Down Travel Rewards Credit Cards

points cards overwhelm

Points Cards Overwhelm

I have a lot of points cards. A lot. I have so many I don’t even remember which clubs I belong to anymore. And I don’t know how many points I have, what I can do with them, or when/if they expire.

It’s a problem.

For a while now I’ve wanted to slim down my points memberships and choose a few I understand and will actually use. But how do you know which ones you’ll use and which ones give you the best value for your time and energy?

I’m overwhelmed to say the least.

Canada's top rewards cards

Canada’s Top Rewards Cards from 2013 via Rewards Canada

As I’ve waded through the different points options I’ve found ranking sites helpful, they do all the work and I can read the results. Thanks! My husband and I went through our options and decided for us travel rewards were the most important and since he charges a lot of expenses for work…a travel credit card was a good option.

In fact we were even able to narrow down to Aeroplan Canada, which feels so good. I went ahead and unsubscribed from all my other points emails and began looking for ways to optimize our points collecting.

Mileage balance: 7,219

I received my monthly newsletter the other night and was pumped to see all the different ways I could collect points. And then I went to check if I had enough points to, like, go anywhere.

Not with 7,219 points I can’t. But not to worry! The newsletter gave me lots of ways to pump up my points STAT.

aeroplan-options-galore

Whoa. Lots of options. Feeling overwhelmed…which option is best for me…

I’ve noticed a lot of television advertising lately about travel rewards credit cards. There are so many options and while it is overwhelming I’m happy there is competition. In my mind the more companies there are competing for my loyalty then the better the rewards will be. Right? That’s logical, right? Anybody?

Well, we’ll see. I’m setting a goal of taking a springtime trip completely on points. I think that’s enough time to go from 7,219 to…how many points do you need for two round-trip tickets around the world anyway?

This post was compensated but don’t worry, the story is original (and mine! And also true!)

My Credit Card is in the Drawer

When I saw Gail Vaz-Oxlade’s challenge to take a week-long credit card fast I was eager to accept.

Especially since it was happening this week so I wouldn’t forget to do it.

My credit card is in the drawer

Turns out I wouldn’t have had any trouble remembering anyway because the week before the fast I made a teeny boo boo and paid my bill 12 hours too late. If you know anything about my kind of credit card this means I get punished for two months by paying interest on every single purchase I make.

So, regardless of the fact I pay my bill completely each and every month, and have for 10 years, because I was 12 hours late…I’m grouped in with the other miscreants.

It proves they are not interested in a partnership or relationship with me. They just want my money.

It hurts.

To the point I’m willing to use this two month break to look for a newer, less nasty credit card.

To be honest I’ve never liked the deal I have going, but I’ve always been too lazy slash uninformed to bother finding a better one. Until now.

Now not only is my credit card in the drawer, but I’m getting used to spending cash and I like it.

Oh, and all my gift cards I never got around to spending since it was, you know, a hassle to remember to bring them along with me when I go out.

My attitude makes me sick.

So I’m starting to pay a bit more attention to the reasons Gail is encouraging us to take our credit situation seriously.

I encourage you to take a look too. Sure, maybe my situation is a bit easier because I’ve got myself into a spot where it’s easy to stop using my credit card, as well as in my best interest. But I’ll bet you can find good reasons to take a good look at your credit situation a bit closer too. And maybe take a day or two off of the zip zip.

Points be damned!