For me, the two areas where it has helped are travel hacking and getting a good mortgage rate. So if you aren't buying a house, I'd start with travel hacking. There is lots of info on the forum about it, and everyone's needs are different, but personally I've found the most value in Chase Ultimate Rewards and the Southwest Companion Pass. I'm out of the game, though, as we've moved to Canada and the deals aren't as good up here.