One trick that I like to use, and it saved me probably at least a few hundred dollars, if not more, is use an app that automatically adds all of your card length offers to your cards. So the wild thing is there might be an offer on your Amex, U.S.

Bank, Bank of America card that you just haven't activated. Even if you go spend money at the merchant that there is an offer and you haven't activated the offer, you won't get the cash back or the bonus points. And so I really like an app called Card Pointers, or there's a new one I think SaveWise is also offering this service.

And there's an app called Max Rewards that for kind of security reasons, I can't endorse that app right now, though I know lots of people that have had a good experience.