What matters most for building a two-card travel setup that is simple enough to maintain: perks, points, or simplicity?

BackpackerDaveOPMar 15

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.

Replies (4)

LuxuryTraveler_AnaMar 15

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.

First_Class_FionaMar 15

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.

Chris MartinezMar 15

I try to keep it simple: solve the biggest pain point first, then add extra optimization only if I keep up with it naturally.

Sophia TanakaMar 15

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.