Credit cards love advertising hundreds (or even thousands) of dollars in annual benefits. But a $200 credit isn’t really worth $200 if you have to buy something you never wanted just to use it.
Between my husband and me, multiple travel credit cards, and over the years, I’ve learned to separate the credits that look good on paper from the ones that are actually easy to use.
These are the credits from credit cards we consistently use and actually consider when deciding whether a card’s annual fee makes sense.