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Maximizing credit card rewards doesn't have to be complicated. Here's the surprisingly lazy system that works for most people.

Discover cards are currently not available on CNBC Select, and links have been redirected to our credit card marketplace, where you can review offers from other issuers like American Express or Chase.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Perhaps the most easily overlooked features of your credit card are its built-in insurance benefits. With ...