Most business owners eventually reach the same point: you realize cash back isn't cutting it, and you want to start earning points or miles instead.

But once you make that switch, a new question comes up pretty quickly: what's the right approach to earning?

There's no one-size-fits-all answer. But most strategies fall into two camps: simple and consistent earning, or more complex bonus-category optimization.

A great solo travel tip spotted this week on The Points Guy Articles.

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