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Simple Minimalist
One or Two Cards. Zero Drama. Maximum Peace.

Simple Minimalist

You want the highest return for the lowest effort. This setup focuses on 'set it and forget it' cards.

warning ANNUAL FEES
-$0
verified_user CREDIT VALUE
+$0
POINTS/MILES
+$0
emoji_events NET VALUE
+$0
bolt

Build Your Loadout

SLOT 1

The Everything Hub

The 'Catch-All' core. These cards offer high flat-rate rewards on every single purchase.

SLOT 2

Everyday Essentials

The 'Support' layer. Pick one card here that covers your biggest recurring expense.

Rules of Engagement

1

The Single-App Strategy

Choose your hub card based on where you already bank (e.g., Chase, Wells Fargo, or Citi).

2

The Annual Fee Test

Only keep cards with an annual fee if the credits are automated; otherwise, stick to $0 fee cards.