You want one or two rewarding cards to put your regular spending on. You do not like coupon clipping, and you don’t want to think too hard about redeeming your points. You would be best served by finding your go-to cards for your needs and sticking to them. Beginners are people who like simple and want to stick to simple for the long haul.

Travel hacking has saved me thousands on travel over the last six years. I’ve been able to fly to see family without stressing about money and make planned vacations more luxurious than I could afford. That’s why I want to share with you how you can make this happen too! Here’s who will benefit from travel hacking, and who might not be interested.

If you know you have an upcoming large purchase, it is a great time to sign up for a new credit card because you know you will be able to meet the minimum spend to reach the sign up bonus. How do you choose which card to open for that big purchase?