What's your credit card rewards goal?
- travel pts okay, but rate based on redeeming value. If you get Xcpp in a given travel rewards currency, rate based on how much money you were able to knock off what would otherwise be "cash fare"
- Deduct any fees paid in annual/monthly fees from rewards. Skip if you dodged AF's via FYF
- Only add "other features" such as lounge passes, travel medical or roadside assistance IF you actually used it or made a claim. Excluding extended warranty, we'll assume that as a baseline since it'd be included in many cards, including a fair number of no-AF cards
- Balance transfer offers...don't count "what you saved by not paying 20% interest". Only count your profits after BT fees/promo interest if stuffing savings accounts or leveraging into investments. Saving $1k/yr in not paying 20% interest won't count for the sake of this poll since we'll set as baseline the ability to pay one's statement balance in full each month
Lastly, please comment on whether you're meeting your goal, exceeding, or by how much you're falling short.