2 Comments
User's avatar
Ryan Goddard's avatar

That’s why you need to 1) make a budget and stick to it and 2) make an itinerary for your trip. If you have the money set aside already and a budget that you need to stay, let’s say, within 500$ of on your trip, those little perks add up! A beer, a couple water bottles for the plane and some snacks that you take from the lounge adds up. Because in reality I was going to buy it anyway and airport prices are out of control. But once you go over your budget, or spend more than you can immediately pay off, now they got you.

Relentlessly Curious's avatar

Great points. Credit card companies want you to feel that you're "making money" while you're spending it through the rewards points accelerators (ie 3x for travel). If you don't stick to your budget, you're likely to spend more than you'd ideally like to all for getting marginally more rewards points.