How many credit cards do you actively use for purchases?
Think about cards you've used in the last 3 months.
What type of rewards do your cards earn?
Choose all that apply.
Select all that apply
Do you use the right card for each spending category?
For example — a card that earns 4x on dining when you go to restaurants, 3x on travel when you book flights.
Do you carry a balance on any of your cards?
This matters — interest charges can completely erase the value of any rewards you earn.
Have you ever redeemed points for travel worth more than 1.5 cents per point?
For context — redeeming 50,000 points for a $750 flight = 1.5 cents per point. Business class transfers can yield 5–15 cents per point.
What best describes your monthly spending on cards?
Include all cards combined — business and personal.
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