[borski]

The difference here is that I’m already earning points. I’m not doing anything new to earn them; I mostly remember “restaurants on this card, online shopping on that one” and apps like CardPointers can assist if needed.

But this isn’t about selecting new loyalty programs or even being loyal; this is focused on more transferable credit card points, and airline miles you’re already earning.

It’s about using them at maximum benefit, not earning them maximally.