First a little background. 3-4k per month on cards not counting airfare and travel 4x per year with 4 people. Airline miles have proven difficult to get lowest fares as dates are usually not flexible. With needing 4 tickets it's virtually impossible for me to get enough miles for entire trip. So here is my strategy, focussing on cards which I earn points and still get miles when we fly. Me: chase sapphire prefferred, freedom, citi AA Wife: citi Ty premier, forward, chase united I book enough flights with citi Ty to have enough flight points to always earn 2x. We dine out a lot so I love the forward and keep the citi premier to convert them. I max out the freedom each quarter and keep all other spending on sapphire prefferred. Wife puts all spending on citi premier. $410 in annual fees, but airline cards pay for themselves with free bags. This seems to work well for me, but am I missing something? Better to concentrate everything on one program? Still sign up for big bonuses as they appear, but no longer apply for cards in bunches. Any thoughts appreciated.