Oh, you can sell it? Well, now we're talking.

For a relevant time comparison you should subtract the research time, mind. Those accounts were worth about $1K a year to me back then, but the amount of time I spent trying to figure out new "hacks" was no longer worth it once I had a job.

If you already know about it and aren't hanging about on the equivalent of coupon forums, yeah, it takes 1 min, you'd be a fool not to.

Yeah, in the realm of rewards cards in the US there are cash-back cards, miles cards, and points cards. Cash-back cards just give you a redemption on whatever you owe them for the next statement (you effectively pay $98 or $99 when you spend $100). Miles cards give you per-dollar-spent frequent flyer miles for a specific airline or group of airlines usually plus a sign-up bonus like mentioned here. Points cards are like miles cards, except the points are more flexible and can be converted either to airline miles or to gift cards or to statement credits.

As for the time spent researching. These days it basically non-existent. If you google "best rewards credit card 2019" you'll find half a dozen sites all with similar recommendations all telling you basically "Get this one, then in a few months get this one, then get this one, then close them and start over in a year. Don't do anything fancy, just spend enough to cash in the sign-up bonus and then switch to the next."

>> You could get 10 quid a month from Halifax

> The city?

The bank. They were literally giving you money to have a bank account back in… 2008?. I took advantage of the offer at the time, but they’ve been phasing it out.