Before I apply, I check whether my normal spending covers the requirement, what the points are really worth, and what year two costs.
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By Mary Massoumi
By Mary MassoumiMary Massoumi
CEO, Rewardopedia
Mary Massoumi is the CEO at Rewardopedia. She draws on her own experience managing credit cards and travel rewards to explain how she weighs sign-up bonuses, annual fees, and card perks. Her approach starts with everyday spending, reading the fine print, and checking whether benefits justify the cost.
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