It's not impossible to convert all of your spend to welcome bonuses, but for me, I'm probably gonna end up with a hybrid approach where I maximize my return on the spend from cards in line with what I've done in my card tool without focusing on welcome bonuses. But three to four times a year, when we see an amazing welcome bonus, we'll jump on it, especially if it's one that might have a lower rate of return than 15 to 25 points per dollar, but that has a high amount of spending and even bigger bonus.

So yes, you might get the best bonus for 25,000 points on $2,000, but I'm much more interested in a 250,000 points on $20,000 bonus because I get a similar return, but only having to open up one card to spend a lot more and get a much bigger bonus. So I'm gonna be focusing on the absolute point return instead of necessarily ROI for each welcome bonus.