Sarah Rathner

Maybe there are free night awards you could tack onto that.

If you're a little bit more advanced at this, then you can treat your travel rewards points almost like a travel savings account where you have points and miles saved up with a couple of different loyalty programs.

That makes it possible to take these last-minute trips without having to go into debt.

Spend your points frequently, like, you know, once you've amassed an amount of points that you need to book a trip, because point values can change over time.

Sometimes rewards programs will change their terms and conditions frequently.

making it so that the points that you have can no longer be used in specific ways or their values are different.

And so you want to save up enough for your dream trip, but don't hold onto them indefinitely.

Oh, my God.

I honestly don't know.

I probably have, I would say, anywhere between, like, five to ten open cards right now.

If it's a card I don't use very often, oftentimes I wait for the annual fee to get posted to my account, and then I decide, do I want to keep this card or not?

And that's sort of my trigger for getting a new card or...

Do I pay the fee and keep holding the card open or do I downgrade the card?

Do I close the card?