If you collect miles and points by using your credit cards, knowing what cards to use for each type of purchase will maximize the points you’ll earn. However, making sure you have the right card with you at all times and staying up to date on the current bonus categories is a lot of work. If you’re the type of person who, like me, wants to maximize earnings on every purchase, you might need to carry at least 3-4 cards with you at all times. If you’re someone who, like Sharon, just wants to have one card for all of your purchases, you’ll want to make sure the card you are using is good for the majority of the things you buy. Looking at the cards that I have in my wallet compared to what cards Sharon carries can give you a glimpse into two different strategies for earning points and miles.
When applying for a credit card you’ll usually see a place to add authorized users. The banks will phrase it like “ADD UP TO FIVE PEOPLE TO YOUR ACCOUNT FOR NO EXTRA CHARGE!” If you do this, the bank will send credit cards for everyone. Great, right? Maybe, maybe not. Here’s a quick rundown of what an authorized user is and why it may be a good, or a bad, idea to add one to your account.