The credit card industry profits from confusion. Here’s a psychology-first approach that captures maximum rewards with minimal complexity – the 2-card rule that actually works.
What you’ll learn:
- Why most credit card advice creates decision fatigue The exact 2-card framework (different banks required)
- Which specific cards to get in 2025 Reddit examples of random account closures
- How to implement this system step-by-step
Recommended cards:
- Credit union 2% cards (best option)
- Fidelity Rewards Visa (2% flat rate)
- Wells Fargo Active Cash (2% flat rate)
- Wells Fargo Autograph (travel benefits)
- Capital One Savor (dining + groceries)
- BILT Mastercard (rent payments)