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Hey guys, in this video I’m breaking down the classic debate between cashback credit cards and travel rewards credit cards and why most people approach it completely wrong. I’ll walk through how cashback and travel points actually compare, which one gives you more value, and why using a hybrid credit card strategy might be the smartest move of all. If you’ve been wondering if travel credit cards or cashback credit cards are better or what the best credit card setup is for the majority of people, this video is for you.
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📚 Chapters:
00:00 The Gameplan
00:35 The Psychological Debate
03:58 Earn Points On Payments That Don’t Accept Cards
05:16 Which Team Earns More?
10:25 Why Hybrid Setups Are Best
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📝NOTE: 2:43 – A better question to ask is whether or not you’d pay the cash required out of pocket PLUS the opportunity cost of the points you redeem for that flight rather than the sticker price of the ticket.
the most my family travels is cruises twice a year and mostly do roadtrips and stuff.. so we are almost exclusively on team cashback due to not really using flights or hotels and stuff… my sister is probably the only one on team travel and my brother might be trying for hybrid with his sapphire preffered
Great video. I land in the middle. I use the Amex trifecta (Plat-Gold-BBP) and a cash back setup for my non-Amex setup (Savor+QuickSilver). This is a no AF and no FTF setup that complements my setup when AMEX isn’t accepted.
team cashback personally because i hardly ever travel!
Can’t the Citi custom cash’s cash back be turned into thankyou points if you have the strata premier? Getting you 5 thankyou points per dollar spent.