Credit Card Coupon Books Are Tiresome — Except When These Provide Real Value
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Premium cards have turned into coupon books, and the fatigue is real—especially when you’re doing math and chasing tiny monthly credits to justify a huge annual fee. The trick is to treat Amex Platinum and Sapphire Reserve differently: cover the fee with credits you’d use anyway, value the lounge network you’ll actually visit, and put spend where the earn rates make sense so the “extras” feel like upside instead of homework.
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