The Smartly Credit Card (with opportunity for up to 4% cash back everywhere) has us wondering...when should you value cash back over other points and miles or transferable currency rewards?

(00:26) - Smartly Credit Card: Up to 4% cash back

Learn more about the Smartly card here.

(01:21) - Using 2x everywhere points card is like buying points for 2 cents each

(05:12) - So, is cash the final answer? No!

(09:07) - So what's the ideal strategy?

(13:36) - Learn more about the Hyatt milestone spending here.

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Music Credit – Beach Walk by Unicorn Heads

Episode 4. C. S. Lewis, Dating Advice, and Loving our Enemies with Dr Jason Lepojarvi