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#170: Chris makes a case for cash back in your credit card strategy based on some recent changes in the points and miles world. He goes deep on strategies for every spending category and shares his analysis of how to optimize points vs. cash back for the best ROI.\nLink to Full Show Notes: https://allthehacks.com/cash-back-vs-points-credit-cards\n\nPartner Deals\nMint Mobile: $15/mo for unlimited wireless on the nation's largest 5G network\nVuori: 20% off the most comfortable performance apparel I've ever worn\nSuperhuman:\xa0Free month of the fastest and best email with code ALLTHEHACKS\nBilt Rewards:\xa0Earn the most valuable points when you pay rent\n1Password: Free 2-week trial of my favorite password manager\nFor all the deals, discounts and promo codes from our partners, go to:\xa0allthehacks.com/deals\n\nAll the Hacks\n\n\nCredit Card Optimization Tool v2 (w/ $10 Discount)\n\nAll the Hacks Membership\n\nCredit Cards Page\n\n\nCredit Cards Mentioned\nNote: not all cards are allowed to be mentioned here, so for a full list, visit our Best Credit Cards Page\nOverall Spend\n\nRobinhood Gold Card\n\nBank of America\xae Premium Rewards\xae Credit Card\n\nDiscover it\xae Miles\n\nHigher Cash Back in 1-2 Categories\n\nU.S. Bank Cash+\xae Visa Signature\xae Card\n\nCiti Custom Cash\u2120 Card\n\nBank of America\xae Customized Cash Rewards Credit Card\n\nRotating Categories\nDiscover it\xae Cash Back Credit Card\nDining/Restaurants\n\nCapital One Savor Cash Rewards Credit Card\n\nU.S. Bank Altitude\xae Go Visa Signature\xae Card\n\nAmerican Express\xae Gold Card\n\nTravel\n\nThe Platinum Card\xae by American Express\n\nU.S. Bank Altitude\xae Reserve Visa Infinite\xae Card\n\nWells Fargo Autograph Journey\u2120 Card\n\nGrocery/Supermarkets\n\nBlue Cash Preferred\xae Card from American Express\n\nAAA Daily Advantage Visa Signature \xae Credit Card\n\nAmerican Express\xae Gold Card\n\nVerizon Visa\xae Card\n\nInternet/Cable/Phone Bills\nBMO\xa0CashBack\xae\xa0Mastercard\xae\nGas\nAbound Visa\xae Platinum Card\nEntertainment/Streaming\nCapital One Savor Cash Rewards Credit Card\nRent\nBilt Mastercard\xae\nMobile Wallet:\n\nU.S. Bank Altitude\xae Reserve Visa Infinite\xae Card + Real Time Rewards\n\n\nResources Mentioned\nWealthfront: Get $5k managed free\xa0& get a 0.5% APY boost\nCopilot: Free 2 months access to my favorite personal finance app with code HACKS2\nX (Twitter) post: Couple opened 26 credit cards in 2017 and earned 2M points\n\nFull Show Notes\n(00:00) Introduction\n(01:55) Chris' Personal Points & Miles History\n(02:48) 3 Big Changes to Chris' Credit Card Strategy\n(04:29) How to Take Advantage of Transfer Bonuses to Book Flights\n(11:49) The Basics of Cash Back\n(12:50) Best Cash Back Cards for Overall Spend\n(14:06) Cards for Higher Cash Back in Certain Categories\n(15:11) Other Category Spend\n(19:42) Best Cards for Dining\n(20:40) Travel Category\n(21:44) Uncapped Card for Gas\n(21:56) Cards for Groceries\n(22:26) Internet, Phone Bill, and Cable Category\n(22:35) Chris' Revamped Card Optimization Spreadsheet\n(26:35) Main Cards for Team Points Vs. Team Cash Back\n(27:44) Chris' Analysis & Category Run Through\n(33:42) The Biggest Takeaway on Cash Back\n(36:24) Cards for Spending Categories Like Rent, Entertainment, and Office Supplies\n(39:32) The Big Wrench: Welcome Bonuses\n(41:58) The Points & Miles Game With Player 2\n(43:14) Credit Card Issuer Rules for Welcome Bonuses\n(48:03) Quick Summary and Chris\u2019 Final Takeaway\n\nEditor\u2019s 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.