Go for the 5x points or 5% cash back on qualifying purchases?

Percent is more straight forward than points as points can be worth less or more than once cent. I prefer percent as it’s more straight forward but I have a few cards that also give points and I redeem them at 1:1 cash back, so for ex apple 5x points is $.05 per $1 spent, same as 5% …

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Go For The 5x Points Or 5% Cash Back On Qualifying Purchases?

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5x Vs. 5%: Is There A Difference? : R/CreditCards - Reddit

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5x is reward points and 5% is cash back. ... Reply reply More replies. space_cadet- • For travel cards such as CSR, 5x can be worth more than 5%. With CSR, 5x is actually worth 7.5% back …

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5% Cash-back Vs 5X Points. Which Is Worth More? : …

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But I think the overall response from most here is that 5% "cash back" is essentially the same as 5X points. So, the Freedom Unlimited---with no annual fee---gives you the same amount of …

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Credit Card Points Vs Cash Back - Which Offers More Value?

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Choosing credit card points vs cash back can be confusing. Points offer perks, and cash back offers simplicity. ... average cash back rate is 1.5% to 5%: Complexity: More complex to …

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Points Vs Cash Back - MyFICO® Forums - 6475434

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Jan 17, 2022 · So let's say you make a purchase on the Citi Custom Cash card that earns 5X points, you're effectively 5 x 1%, or 5% back on that purchase. With respect to Amex, I know …

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Cash Back Vs. Points—Which Credit Card Rewards Program Is …

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Feb 22, 2024 · 1.5% Extra Cash Back More Info. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel …

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Cash Back Or Points: Which Credit Card Rewards Are Better?

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Sep 30, 2024 · Depending on the redemption, some credit card rewards are worth over $0.01 per point, offering more value than most cash-back cards. That’s often the case when transferring …

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Cash Back Vs. Travel Rewards: How To Choose A Credit Card - The …

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Nov 18, 2024 · The Blue Cash Preferred® Card from American Express gives you 6% cash back at U.S. supermarkets (on up to $6,000 per calendar year in purchases, then 1%) and 6% cash …

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Are Credit Card Points Worth More Than Cash Back Rewards?

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5% back on travel with the freedom will work out better than 2x points on travel with the sapphire preferred no matter how you look at it. Let’s say you spend $100. With the Freedom, that’s $5 …

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Does A 5% Cashback Card Ultimately Beat A 2x - 4x Travel ... - Reddit

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Without a doubt, a 5% rewards card surpasses a travel card because redeemed points often have less value. For example, a 5% cash back translates to a 5% discount, but 5 points with travel …

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Value Of 5% Cashback Vs 3x UC Points : R/CreditCards - Reddit

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I would say 5% cashback > 3x points > 3% cashback Chase UR points are worth 1.25 cpp if you have CSP, so 3x is like 3.75% back. If you can get more value out of travel partners, it can be …

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5% Vs 3x Rewards? : R/CreditCards - Reddit

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The Freedom cards actually earn UR points, it's just that they can only be cashed out at 1 cent each, so by itself, 5x = 5%. If one has the CSR or CSP (as you do), you can transfer rewards …

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FAQs about Go for the 5x points or 5% cash back on qualifying purchases? Coupon?

What is the difference between 5X and 5% cashback?

5% is a straight 5% cashback and it’s easy to compare across banks/providers. 5x is points and the value can vary wildly across banks and on your redemption. (E.g. a Hilton point is worth less than half a Chase UR or Amex MR point.) ...

What is the difference between 5X and 5%?

5x is reward points and 5% is cash back. Ahh this is making more sense to me. Thank you. For travel cards such as CSR, 5x can be worth more than 5%. With CSR, 5x is actually worth 7.5% back toward travel or Pay Yourself Back, since each point is worth 1.5 cents. I guess I just don’t really understand how 5x works. Can you explain it for me? Sorry ...

Does cash back offer more value than credit card points?

Depending on the program, the value can be higher or lower than using a cash-back credit card. Typically, the best redemption options for credit card points are booking travel through the card issuer or transferring to airline and hotel partners. When does cash back offer more value than points? ...

What is the difference between cash back & points & miles?

Cash back and points and miles cards each have their own advantages. Cash back cards give you simple, flexible cash rewards that you can use any way you please. Points and miles cards, on the other hand, offer the chance to get extra value out of your rewards by redeeming them for travel. ...

What is the difference between cash back and points?

When comparing points vs. cash back, the value of the points depends on which program they’re earned and how you redeem them. Earning 2x points means you’ll earn 2 points for every $1 spent, but the value of those points may be worth less than a cent each. ...

How much is a cash-back card worth?

Cash-back cards win again for simplicity on redemption since one cash-back percentage point equals 1 cent per dollar spent. But when it comes to value, points and miles cards almost always come out on top. When redeeming points and miles, 1 point or mile is almost always worth more than 1 cent. ...