Maximizing Rewards: Points vs. Cashback and the Value of Welcome Bonuses

#214: Chris reveals the top cash back credit cards in 2025 to maximize your rewards. He also goes deep on leveraging signup bonuses to earn up to 20% back on all your spending.

Link to Full Show Notes: https://chrishutchins.com/cash-back-credit-cards-2025

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Resources Mentioned

Credit Cards: Best Cards Page | Chris’ Credit Card Optimizer Tool

• U.S. Bank Smartly Visa Signature Credit Card
• Robinhood Gold Card
• Discover it® Miles card
• Bank of America® Unlimited Cash Rewards Credit Card
• Bank of America® Travel Rewards Credit Card
• Bank of America® Premium Rewards® Credit Card
• Bank of America® Premium Rewards® Elite Credit Card
• Business Advantage Unlimited Cash Rewards Mastercard® Credit Card
• Business Advantage Travel Rewards World Mastercard® credit card
• Alliant Credit Union Visa Signature Card
• Bank of America® Customized Cash Back Rewards Credit Card
• Citi Custom Cash Credit Card
• U.S. Bank Cash+® Visa Signature® Card
• Verizon Visa® Card
• Wells Fargo Autograph Journey Visa® Card
• Capital One Spark Cash Plus
• Capital One Venture X Rewards Credit Card
• Hawaiian Airlines ® World Elite Mastercard

Bank of America Preferred Rewards

U.S. Bank Real-Time Rewards

How to Get Approved for Business Cards

All the Hacks Podcast

• Ep #170: Cash Back vs. Points: Are We Doing It All Wrong?
• Ep #136: Current State of Credit Cards Points and Predictions for 2024 with Sebastian Fung
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Full Show Notes

(00:00) Introduction

(02:00) Quick Overview

(04:12) The 4% Cash Back Card From U.S. Bank

(08:01) Update on the U.S. Bank Altitude® Reserve Visa Infinite® Card

(10:57) Robinhood Gold Card for 3% Cash Back

(15:54) The Discover Card for Miles

(17:57) Rewards on Bank of America Cards

(20:33) Perks and Cons of Bank of America Cards

(28:04) Alliant Credit Union’s Cash Back Card

(32:19) Quick Comparison of the Cash Back Cards

(33:26) Chris' Card Optimizer Tool

(37:38) How to Value Points

(39:07) Leveraging Credit Card Welcome Offers

(41:15) All the Hacks Membership Perks

(43:15) Chris' Analysis of Welcome Offers

(46:35) The Big Final Takeaway

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Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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