Cash Back vs. Points: Are We Playing the Wrong Credit Card Game? скачать в хорошем качестве

Cash Back vs. Points: Are We Playing the Wrong Credit Card Game?

Based on some recent changes in the points and miles world, I'm going to make a case for cash back as your credit card strategy. I'll do a deep dive on strategies for every spending category and share my analysis of how to optimize points vs. cash back for the best ROI. Click "More" to see the Advertiser Disclosure. Advertiser Disclosure: chrishutchins.com is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Credit Card Optimization Tool (w/ $10 Discount): https://chrishutchins.com/cardtool ATH Membership: https://chrishutchins.com/join Copilot (2 months free with HACKS2): https://chrishutchins.com/copilot Full Show Notes 00:00:00 - Introduction to the episode. 00:01:55 - Chris shares his personal points and miles history. 00:02:48 - Three significant changes to Chris' credit card strategy. 00:04:29 - Utilizing transfer bonuses for flight bookings. 00:11:49 - Overview of cash back basics. 00:12:50 - Top cash back cards for general spending. 00:14:06 - Cards offering higher cash back in specific categories. 00:15:11 - Spending in other categories. 00:19:42 - Recommended cards for dining. 00:20:40 - Discussion on travel spending. 00:21:44 - Credit card offering uncapped cash back on gas. 00:21:56 - Best cards for grocery shopping. 00:22:26 - Credit cards that cover internet, phone, and cable bills. 00:22:35 - Introduction to Chris' updated card optimization spreadsheet. 00:26:35 - Primary cards for both points enthusiasts and cash back fans. 00:27:44 - Chris provides a detailed analysis and runs through categories. 00:33:42 - The major takeaway regarding cash back strategies. 00:36:24 - Cards that cover rent, entertainment, and office supplies. 00:39:32 - Discussing the impact of welcome bonuses. 00:41:58 - The strategy of earning points and miles as a team. 00:43:14 - Rules that credit card issuers follow when offering bonuses. 00:48:03 - Brief summary and final takeaway by Chris. Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.