It's all about if you are absolutely exploiting the benefits.

I would actually go through the intro document or even just the website if you don't have the

paperwork that you got when you got those cards anymore.

Go through the website and see what all the benefits are and ask yourself, do I get

XYZ dollar amount?

I think it's like $795, $695, $395 for some of those cards that you listed of value every year.

Hey, everyone.

Welcome to Hermione.

I'm Gene Chatsky.

We are so excited to have Vivian 2 back to take us through all of your questions on credit cards

and points hacking. All right, this was a little me search. I got to say, Vivian, because

I hit that point. And I'm really good with my points. Like, I do not pay to fly when I'm not

flying for business. I always use points pretty much. But I hit the

point where I was like, how did I get so many credit cards in my wallet? It is time to pare down.

We've also got listener questions on everything from maximizing travel rewards to upgrading

your cards without hurting your credit score.

And I do want to mention, I never pay interest, by the way.

It's just, you know, too many fees.

Anyway, so let's start with this question.

And this one, again, is from me.

I have been wondering about the high-tier travel cards, the Amex Platinum, Chase Sapphire Reserve,

City Prestige, Capital One Venture X. Are they worth the cost and are multiples worth the cost?

...