The Secret to Optimizing Credit Card Rewards? Be Disloyal

As long as you can stay on top of multiple accounts without getting overwhelmed, brand disloyalty can help you.
Claire TsosieSep 15, 2021
maximizing credit cards brand disloyalty

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Joe Hegedus recently got a new premium credit card that offers top-notch benefits and fits well with his spending habits. He says he often uses it to cover his travel and dining purchases.

But he’ll have no qualms about ditching it if a more generous offer comes along.

"If someone comes out with a better one, or one that earns better points, I’m always a free agent,” says Hegedus, a pharmacist in Orlando, Florida. He explains why he doesn’t feel bound to travel loyalty programs on , a travel blog he co-authors with his wife. For Hegedus, being devoted to a certain credit card brand or loyalty program isn’t important. But getting rewards and benefits that he values is key.

If you’re looking to maximize credit card rewards, remember this: Brand loyalty likely won’t get you there. But brand disloyalty might do it, and here’s why.

Committing to a certain credit card or loyalty program can help you earn worthwhile benefits. But “it can also become an anchor that can stop people from getting more value than they could,” says Mike Abbott, the North American digital lead for Accenture Financial Services, a banking advisory firm.

It’s your job to figure out when a credit card or program crosses that line.

For Hegedus, who goes on two or three big trips each year, it’s easier to pounce on good deals when he’s not bound by a single program’s rules. Besides, he says, given his relatively few big trips, it doesn’t make sense to chase a specific “elite status.”

Hegedus and his wife, Sharon, recently traveled to Phoenix, Las Vegas and Los Angeles, and stayed at six hotels from different brands. Because they didn’t stick to just one name, they were able to pursue deals they found most valuable — for example, hotels with more convenient locations or policies that allowed them to take advantage of promotions or discounts offered through their credit cards. They paid with a mix of rewards and credit cards, clinching some excellent redemption values.

“I’m not being disloyal to a hotel chain,” Hegedus says. “I’m really being loyal to myself.”


Credit cards, loyalty programs and your spending habits have something in common: They change. A credit card that was a perfect fit when you got it might no longer make sense a few years later.

For a time, Lou Haverty used his go-to premium credit card to book travel because it fit his travel habits. But the card became less valuable to him after it recently changed benefits, including, among other things, no longer offering access to an airport lounge he frequents. Haverty, who lives in Philadelphia and runs The First Class Travel Guide blog, . Now, he’s weighing the benefits of the two cards.

“Until I hit the point with the annual fee for the first of the two cards, I’ll keep both of them open and compare which one works better for me," he says.

When you’re not loyal to a certain credit card or program, you’re free to take a mental step back, as Haverty did, and ask yourself, “What makes sense going forward?” You can weigh the pros and cons and decide what’s best for the future you, rather than dwelling on what was best for the past you.

Flexibility could be fruitful. Suppose you have a credit card that offers 1% cash back on all purchases. If you’re committed to cards issued only by your bank, that 1% rate might be the best you can get.

But if you can be flexible, your opportunities to earn more rewards may multiply. For example, you could:

As long as you can stay on top of multiple accounts easily, brand disloyalty can help you get more out of your wallet.

If you’re new to optimizing your rewards, start small. The first step is to — one that fits your spending habits — and manage it carefully. If it complements your spending habits in a way your first credit card doesn’t, it could help you maximize your rewards for minimal effort.

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