It does add up but the more effort you make, the more you’re going to be able to cash in on the rewards.
First off in my opinion you have to be willing to pay more to stick with one airline for your flights. If you hop from airline to airline based on who has the cheapest ticket that day you’re never going to get enough miles with any one airline to matter.
The second thing is to get a credit card that maximizes mileage rewards. In Minnesota that’s almost certainly going to be the Delta American Express card.
Then charge absolutely everything to that credit card so you maximize your rewards.
The credit cards are a get what you pay for situation. The more you’re willing to pay for an annual fee the more rewards points you will get for purchases and the better the perks on the card.
If you are already signed up for Delta’s frequent flyer program you should be getting offers that will get you a bonus for getting the Delta American Express card. Otherwise search online for offers. Don’t sign up without getting a healthy mileage bonus as a sign up reward.
Mrs Grouse and I both have the American Express Platinum card. It is an expensive card but between the increase in rewards points and the perks you get like lounge access we seem to come out ahead every year.
And don’t believe anybody that says you can’t use American Express cards anywhere. I’ve traveled all over and use them and now that most merchants are signed up with processing networks it’s very rare to find somebody that doesn’t accept the American Express card.