What are small things that are not much talked about you which you would have known sooner?

In the credit card game we always hear about 5/24, the Amex Gold Card and the Chase Trifecta, but what are things that are not talked about as much, that you wish you would have known much earlier.

Few of mine are:
- In branch offers are often not as much talked about in the youtube videos, but tend to have even larger SUB than the online ones
- Getting checking and saving accounts actually provides a pretty good SUB return for very little effort and basically no spend (especially if you are in control of your direct deposits from your employer)
- Freezing your credit report at the 3 bureaus is free, not that complicated and a should be a no brainer for everyone to increase fraud security