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Buying the reward
Extra spending is not offset by a small return. Start every decision with the purchase itself, then optimize only the spending already planned.
Counting face value as personal value
A credit for something you would not otherwise buy is not worth its printed amount. Give every benefit a value based on your own behavior.
Optimizing every transaction
The time and attention required to chase a tiny incremental return can exceed the gain. Choose a simple default card and reserve extra steps for meaningful opportunities.
Letting points expire
Keep fewer programs, understand their activity rules, and review balances periodically. Do not make a poor redemption solely to avoid a preventable expiration.
Treating a fee as sunk
Reassess fee-bearing products before renewal. Past value does not justify another year; expected future value does.