25d • General discussion
Points or cash back?
Points vs. Cash Back
One of the biggest debates in the credit card world is whether to earn points or cash back.
Some people enjoy collecting points and miles because they can be redeemed for flights, hotel stays, premium travel experiences, and other valuable perks. They like maximizing transfer partners and getting the most value from every redemption.
Others prefer the simplicity of cash back. There are no award charts or travel plans to worry about. You earn rewards and use the cash however you want.
Which camp are you in?
Tell us whether you prefer points or cash back and why. If you have a favorite card or a great redemption story, share that too.
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Points or cash back?
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