$1,200

My fiance and I pay over $1,200 a year in order to use these four credit cards, which I know sounds insane, but it's actually worth it and saves us a bunch of money. Number one is one of my personal favorites, the Amex Gold. Now we use this credit card for all of our joint purchases. You get four X points for all restaurants, spending and grocery spending on this card, so we're literally putting so many meals on this card. Then you're also getting three X points on all flights booked through the Amex portal. $120 of Uber credit and $120 of dining credit. Number two is my personal credit card, the Chase Sapphire Preferred. Only $95 a year. I think this is one of the best credit cards you can get, especially if you're starting out. You get five X points on all travel booked through the Chase portal and three X points on all dining. No. Number three is the Chase Sapphire Reserve, and this is one of the heavy hitters at coming in at $795 a year. Right off the bat, you get $300 annual travel credit, which you definitely use. It's literally just refunded right into your account. And then you also get eight X points on all travel booked through the Chase travel portal. You get $500 for any of the hotels in the Amex collection, which we actually use. Really nice. Number four is the Bilt credit card. This is a credit card that we use to pay off our mortgage. This credit card is pretty cheap. I think it's $0 to $95 per year, and we're using this purely to get points from paying off our mortgage. This is a pretty sweet hack.