It’s officially spring, and if you’re anything like me, that means it’s time to clean out your car, your closet — and yes, your wallet.
Fortunately, your wallet might be the easiest one to tackle. Here’s how.
Audit your current cards. Are you mostly using the perks? Is each card adding enough value to justify its annual fee? If not, it might be time to rethink your setup. (Pro tip: That doesn’t necessarily mean canceling — downgrading is usually a smarter way to cut costs while keeping your credit history intact.)
Track your perks and benefits. From monthly dining credits to annual travel perks, it’s easy to forget what your cards offer — especially with overlapping benefits. Want a shortcut for this? Here’s how these TPGers track their benefits.
Review your active points balances. Points aren’t meant to sit idly; they’re meant to be used. Take stock of your balances, brush up on your transfer partners and make a redemption plan.
Also: Don’t get too caught up chasing the highest cents-per-point value. Sometimes the most practical redemptions — the ones that simplify your trip or your life — are best.
Put in a little effort now, and you’ll be set up for a smoother, more rewarding rest of 2026.
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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our advertising policy and product review methodology for more information.
Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
