Start here
Start here
The quickest win is a spending plan: one page that says which card to use for each kind of purchase. Build that first, then use the category guides to check the categories that matter most to you.
Step 1: Build your spending plan
Build a card spending plan in 30 minutes. List your spending, list your cards, and assign each category to a card.
Step 2: Decide how complicated you want it
- Flat-rate or category cards for “everything else” spend
- One, two or three cards: how many your spending needs
- Rotating 5% categories: worth tracking for your spend?
Step 3: Check your biggest categories
When something doesn’t add up
Pay your statement in full every month. If you carry a balance, interest will cost more than any card earns.