Welcome to Point Me to First Class, the only show for employed professionals, entrepreneurs,

and business owners who are looking to optimize their higher than average expenses to travel the world.

I'm your host, Stephen Kimballimble and I believe that your expenses are your

greatest untapped asset if you know how to leverage them. Ready to dive into the world

of credit card points and miles so you can travel more, travel better, and travel often.

Let's get started.

Welcome back to the podcast everybody.

Today we are going to answer or at least attempt to answer

one of the age-old questions when it comes to credit cards and that is which is better,

rewards credit cards or cash back credit cards.

And more specifically, can I actually get more value from rewards credit cards than from a cash back credit card?

And I see two scenarios in which this question gets

asked a lot. Number one, for people just first getting into points travel

wondering whether it's worth it to use rewards credit cards instead of cash back credit cards,

and being a little skeptical that the return on rewards credit cards will be equal or better

than the return they're getting from a cash back credit card.

And number two, the second scenario,

where someone already has a few rewards cards,

but they're continuing to hang on to one or two cash back cards

to use for very specific purchases like using an Amazon

card for Amazon purchases or a Costco credit card for their Costco runs.

And even though the question sounds the same, essentially can I get more value from rewards

...