Getting more benefits sounds like a good thing on the surface, but it raises questions about value.
I had to buy a T-shirt I didn’t want by midnight. My credit card carried a $50 credit at Saks Fifth Avenue every six months, so there I was, wading through designer clothing I didn’t want and sorting by price, “lowest to highest” in order to take advantage of my credit before it expired.I had to buy a T-shirt I didn’t want by midnight.
Yet there’s a piece of this math problem that doesn’t break down to pure dollars and cents. It’s what we mean by “value.”Don’t confuse dollars for value Warren Buffett said in a 2008 letter to investors, “Price is what you pay; value is what you get.”Take the T-shirt I ordered from Saks. I paid about $50 for it, which is the price. But is that the value I received? This is where things take a turn toward the squishy and subjective.
Focus on your current spending One of my travel cards carries a $300 annual credit for an Equinox gym membership and a $20 monthly credit for a few particular digital streaming services. As a rule of thumb, you should get the travel card that aligns with your current spending rather than aligning your spending to the benefits offered by a card.
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