A simple, steady approach to credit card rewards may deliver better value than chasing increasingly complex perks. There is a quiet lesson in the way Warren Buffett approaches investing. It is not built on speed or constant change, but on clarity, patience, and staying within what he calls a 'circle of competence.'
That philosophy is now being applied to a far more ordinary part of personal finance — the credit cards people use every day. According to executives in the banking sector, many consumers may be overcomplicating how they earn rewards, often reducing the value they ultimately receive.
