Credit Card Rewards Optimization Strategy

Create a comprehensive credit card rewards optimization guide. Include: 1) Types of rewards (cash back, points, miles) and their values. 2) Building a rewards card ecosystem for different spending categories. 3) Sign-up bonus strategy and timing. 4) Category spending optimization. 5) Points transfer strategies and partnerships. 6) When annual fee cards are worth it. 7) Protecting your credit score while churning. 8) Common mistakes that destroy rewards value. 9) Rules for responsible rewards maximization (paying in full, never carrying balances). Include a sample card portfolio for [spending pattern].