Let me talk a little bit about my goals for cards this year. So I am always looking to maximize the earnings I get from all my everyday spending, all the category spending I have, but I'm not just gonna get a card because it earns more points on something I could spend on.

Let's say I spend $500 a year on entertainment and right now I would be putting it on a 2X points card and now there's a card that offers 3X points on entertainment. I'm just gonna get an extra 500 points a year from that deal because I could have otherwise gotten the 2X.

So getting 500 points, which might be valued no more than five to $10 is not worth me opening up a new card. So I really wanna see that the value I'm gonna get from a new card is probably gonna exceed at least $200 a year is probably the floor before I'm interested in opening it.