Real-world advice for building a two-card travel setup that is simple enough to maintain?
I want good travel coverage but do not want five annual fees and a spreadsheet to manage them.
I need a clean main-card plus backup-card setup.
Complexity is the fastest way to stop using a points strategy well.
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I need a clean main-card plus backup-card setup. is exactly the right target. The best systems are the ones you will still use after ten trips, not just one enthusiastic weekend.
Complexity is the fastest way to stop using a points strategy well. is the part most advice ignores, and it usually ends up being the reason people quit a tool or workflow.
I try to keep it simple: solve the biggest pain point first, then add extra optimization only if I keep up with it naturally.
My rule is that if a setup takes too much manual maintenance, I replace it with something simpler even if the theoretical upside is lower.
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