So what is a good mastercard strategy? I currently can pay my mortgage (1k a month) and car payments (1.5k a month) with a mastercard. So thats 30k spend that I couldn't get otherwise. 750 dollars in fees assuming no promotions. I am less interested in points (although certainly could use for minimum spend on new cards) and was looking more at high spend bonuses. I saw the Virgin Atlantic mastercard has a high spend bonus, but they just had a good promotion end. Any other ideas?