Fight for simplicity

by Dale Davidson March 18, 2026

I'm a fan of the credit card churning game, but I've slowed down over the past few years.

There are a few reasons for this.

The first is I don't travel that much anymore, which was the main reason I was doing it.

The second is that it adds complexity to my life.

For example, I was considering signing up for this new Capital One business credit card.

If I spend $30,000 in 3 months, I'd get a 150,000 point bonus.

It seems like a lot of spend but if I payed my estimated taxes for one quarter and switched over my regular spend to the card, I could make it work.

The thing is it'd be something that would take up mental energy until I hit the spend. Plus it's a pain in the ass to switch things over.

And what's the reward? Either $1500 bucks or a round trip business class ticket.

Not terrible, but if that takes up even a little extra energy from growing my business then it's not really worth it.

Ramit Sethi likes to say you have to fight for simplicity.

I agree.

The marginal cost of one additional credit card is low.

But if you add lots of little distractions, they accumulate and distract you from your more important goals.

So yes, play the credit card game. I did. It's fun if you can take advantage of it.

But if it's distracting you from more important things you should be doing, let it go.

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