Flight miles Vs. Cash back rewards......

  • Posted by a hidden member.
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    Jan 12, 2018 3:57 AM GMT
    What do you prefer?

    I love my Hawaiian airlines credit card for flight miles and my Southwest CC for miles too.........
    But, I gotta say my Costco Visa gives a very generous cash back reward on all purchases.
    I have built up quite a big sum with my business purchases.

    What about you guys? Have a card to recommend? I love PERKS!!!!

    P.S. I was in the Disney store shopping around for Collectable Star wars stuff and just for opening up a C.C. account
    and making any purchase you received an instant 100.00 statement credit and 10% off on ALL Disney products-Including the themed Parks! YES! lol

  • Posted by a hidden member.
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    Jan 12, 2018 4:39 AM GMT
    Just in......

    Pay for your next vacation entirely with credit card points and miles

  • Posted by a hidden member.
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    Jan 12, 2018 9:44 AM GMT
    Depens on what airline - how many files. With most airlines giving 1 mile per $1, it takes a huge number of $$$ spent to get a J-class or F-class ticket across an ocean these days.
  • bro4bro

    Posts: 2100

    Jan 12, 2018 4:57 PM GMT
    My primary Visa card gives me miles on United. I prefer miles to cash rewards because airline tickets are one of my few annual major expenditures, and between United and its many frequent flier partners you can go anywhere on earth. It makes an otherwise expensive trip much more palatable if you can fly for "free". I used my frequent flier miles to travel to the Summer Olympic Games in Sydney, Athens, Beijing, and Rio. This August I'm using them to fly to Paris for the Gay Games. You have to book far in advance to get the flights you want but for major world events like these, where the schedule is set a year or two ahead, it works out great.
  • mwolverine

    Posts: 5702

    Jan 14, 2018 4:59 PM GMT
    CapitalOne Venture card. 2% cash back on all purchases. Put away that money (or only cash out when you want to travel) and you get a "free" flight without needing to plan 11 months in advance or (at least on Delta) having to pay double miles to get a flight.

    CapitalOne also has a 2% miles card and you can call them and ask for a statement credit for travel related expenses (flight, lodging, probably also car rental). If you only have enough miles to pay for a portion of an expense, they'll do that (unlike if you have 24,999 miles and need 25,000 to get a free flight from an airline card; Delta will let you buy miles in such cases, or mix miles and money for payment, but the "exchange rate" isn't very favorable.)

    But why not just take the money (cash back) and be done with it?
    (Putting it in a back earns interest, low as that rate may currently be, unlike miles that sometimes also expire.)

    (I think the miles card didn't have an annual fee but now both have a $59 fee. Which is less than most airline cards.)

    Oh, and those miles you fly for free (one way or the other) COUNT towards your airlrine mileage program.
    (When you use airline miles for a free flight, at least on Delta, you don't earn miles on that flight.)

    If you're good at tracking things, you can also mix in some specialty cards.
    My Amex SimplyCash gives me 3% back on gas and 5% at office stores and on my cell phone.
    Amex Blue is good for 6% off at supermarkets.
    My Platinum card gives me 5% off FedEx shipping, free global entry and PreCheck, and pays baggage fees when I don't fly Delta.
    My Amex Delta card covers baggage on Delta flights.

    Lastly, I have a Chase Ink card which gives me 3 miles per dollar spent at restaurants and 5 for internet provider.
    Can convert the miles to cash back (Dollars) at 1-for-1.

    And if you're really on top of this game:
    The Discover card (the original cash back card) has quarterly 5% cash back programs.
    Good at gas stations, restaurants, home improvement stores, Amazon or Target, etc.
    (But this usually has a $1500 or so limit, after which it's only 1%.)