Credit cards & rewards
Data‑Driven Credit Card Rewards Strategy: A 5‑Card Portfolio that Beats the Market
Hook: In 2024, the average U.S. consumer earns roughly $1,200 in credit-card rewards each year, yet 68% of cardholders never unlock the full value because they cling to low-yield cards or ignore fee amortization. I’ve distilled the latest industry data into a reproducible, five-card playbook that flips