Please watch the video above. The key here is flexibility. With these cards, you don’t have to choose cash back vs. travel. You are able to do BOTH!
Table of Contents
- Cards with the Option for Travel or Cash
- How to Get Cash Back on Chase’s Portal
- Best Pure Cash Back Personal Cards
- Best Pure Cash Back Business Cards
- Maximize Rewards in Shopping Portals
- Final Thoughts
Cards with the Option for Travel or Cash
Many cards earn points that are easily redeemed for cash where one point equals one cent. We are going to keep this post simple and advocate for Chase Ultimate Rewards and pure cash back cards. Chase points offer the highest cash back option (100%) compared to any other rewards program. Therefore, for travel and cash back, Chase is the best and their online portal is easy to use if you need flexibility and options.
The cards listed below offer points that are more valuable when used towards travel. In order to understand how valuable each of the below offers is, convert the number of points to cash back, in your head by following this pattern (drop the last two zeros and add a dollar sign):
- 25,000 points = $250
- 50,000 points = $500
- 60,000 points = $600
- 80,000 points = $800
- 100,000 points = $1,000
Check out our Chase Ultimate Rewards Guide for a full understanding of how Chase Ultimate Rewards are valued and used for travel and transfer partners. Although it can be very helpful, the cash back value is the lowest redemption value compared to using points for travel.
Chase Sapphire Preferred ($800 cash back value)
Read our Complete Guide on the Chase Sapphire Preferred.
Chase Sapphire Reserve ($545 cash back value)
Chase Freedom Unlimited ($200 cash back value)
Chase Freedom Flex ($200 cash back value)
How to Get Cash Back on Chase’s Portal
Best Pure Cash Back Cards
Here’s a list of our “Best Cash Back Credit Card Offers” to guide you through choosing the best cash back cards with bonuses, rewards from spending, and cash back shopping.
Citi Double Cash Card
Pros
- Can earn ThankYou points
- 18 months 0% APR on balance transfers
- Known to be an easy approval
- No annual fee
Cons
- No introductory 0% APR on purchases
- Zero Sign Up Bonus
- Foreign transaction fees
Chase Freedom Unlimited
Blue Cash Everyday Card from American Express
Capital One Quicksilver Cash Rewards Credit Card
Best Pure Cash Back Business Cards
Capital One Spark Cash for Business
Chase Ink Business Cash
This card is a top pick for cash back lovers and travelers. We have a complete guide for you to learn more about this card.
Chase Ink Business Unlimited
American Express Blue Business Cash Card
Best Balance Transfer Cards
Maximize Rewards in Shopping Portals
Read our full article on maximizing rewards and cash back in shopping portals. Here’s a quick summary on maximizing rewards with online shopping: Check out CashbackMonitor.com; Join Rakuten and get an easy $10; Join your favorite airline’s shopping portal; and, Maximize your spending by getting a new credit card with a big sign-up bonus.
Final Thoughts
Getting into the habit of earning flexible rewards can be a great way to save money and earn points for when you’re ready to travel. Make sure you check out each of these offers, earn the points you need, and get ready to execute a very good points strategy. You can be traveling to your dream destination soon!
