Americans love their credit cards — and the rewards that come with them. From cash back to airline miles, some people go all in, juggling multiple cards and tracking points just to score perks they might never splurge on otherwise, such as flying business class. In 2024, 81% of U.S. adults had a credit card, which translates to approximately 215 million people. (1) Must Read Almost half of cardholders carry a balance and, as of the second quarter of 2025, Americans were carrying a near-record total of $ ...

信用卡奖励策略 - 通过战略性使用信用卡获取高额开户奖励来赚取旅行积分 而非增加消费额度[1] - 将信用卡视为工具 将日常开支如杂货、汽油、家庭用品、网络和手机账单以及保险转化为积分、里程和现金返还等实际收益[6] 信用卡使用原则 - 首要原则是绝不透支 每月全额还清信用卡账单以避免债务[4] - 摒弃为赚取奖励而进行购物狂欢或购买非必需品的观念 仅对计划内的消费使用信用卡[5] 多卡管理策略 - 专家通过良好管理10张活跃信用卡并保持零债务 证明多张信用卡不必然导致信用评分下降[4][7] - 通过策略性申请信用卡来最大化奖励收益 关键在于妥善管理而非卡片数量[7]