There are those who relish the challenge of keeping up with credit card perks — the monthly statement credits for certain purchases, the point transfers to airline and hotel partners, and the hunt for an airport lounge that lets you in.
Then, there’s everyone else: busy, tired and bogged down by the administrative management of day-to-day life. One in three Americans with credit cards say they have too many, according to a recent NerdWallet survey conducted by The Harris Poll. And NerdWallet’s 2026 Summer Travel Report found that 48% of Americans say travel points and miles programs are too complicated.
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