OP.. that's the kicker, is when micromanaging every point, it gets arduos and unmanageable..

In Canada, I guess the Gold Amex gets 2 points for all groceries, gas, drugstore and travel purchases.. probably same with some Amex Gold cc's in the US.. and we try and use Amex Plat as the next level down.. and a Visa per point, with 50% bonus on the groceris, gas, drugstore and some travel.

I've long given up looking after each point, and choose to concentrate on the larger chunks for collection.. sort of like pennies compared to ten dollar bills..