Simple answer is that not all of us on here are into the "game"... and we may not have the desire or the flexibility to jump through hoops to maximize our miles/points.
But we may travel quite a bit because we have to, and may also naturally run a fair amount of spend through our cards. At a certain point, team cash back starts to make sense.
yes. and thats exactly my point. if im on team CB, i would just go straight to CB cards. and not mess around w/ transfer partners.
this means no TYP cards if statement credit is gonna get deval. also assuming i dont want TYP GCs during a sale.
so i would just focus on various CB quad or trifectas like bofa plat honors, chase, tons of amex cards + charles schwab, tons of USB, WF auto + attune, etc.
only citi card i would prob have is the CC or DC or costco w/ 5/4/3/2/1 CB. costco gas is 5% CB. i wouldnt bother w/ stupid TYP that expire if u do something wrong.
i understand pple like to use a hybrid strategy on a case by case basis. but thats just more to manage and more risk exposure to ur strategy.