There are endless ways to earn reward points but the best part is, you don’t need to spend more to earn more points. The key is to think where and how you’re going to make your next purchase. It’s also important to choose and stick to one credit card that is attached to one rewards program that matches your spending habits and interests.
When it comes to earning points, they're usually only worth it if you're not spending extra to earn them. If you are, then it's probably cheaper just to buy your own reward, preferably with cash. When you pay a lot of interest and/or fees on your credit cards, you help pay for someone else's trip.
Cash back is flexible and easy to redeem. Points or miles dangle the possibility of a paid-for vacation and, sometimes, a higher reward value per dollar spent. Nowadays, some cards let you redeem rewards for cash or travel at the same value. ... “If you don't want to work at it, cash back is the easy decision.