(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Today, I'm chatting with Chris, the host of the top ranked podcast All The Hacks.  In this episode we discuss when cash back might be the way to go, when to consider other points strategies aside from sign up bonuses, why $11,000 might be better than 1,000,000 points and so much more! One card to consider if you want a cash back card is the Chase Freedom Flex Card. If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you’re not sure what card is right for you, I offer free credit card consultations at https://geobreezetravel.com/consultations ! ➤ Check out the Chase Freedom Flex Card Here:  ➤ Waitlist for The Points Accelerator Here: Timestamps:  00:00 - Get to know Chris 04:51 - Why Chris likes cash back cards  06:59 - How Chris earns so many points 09:15 - The misconceptions of points and miles 10:48 - What points is Chris sitting on for too long 12:47 - Opportunity cost of points and cash back 18:00 - What should people who go on 1 big trip a year do in terms of cash back? 24:32 - Psychology of "free" in points and miles 31:36 - Avoiding bad deals 32:54 - Compounding impact from cash back 36:00 - Unnecessary points analysis 38:12 - Cash back sign up bonuses 44:50 - Chris' top cash back cards to get 46:38 - Why Chris doesn't open a lot of cards 50:27 - Optimizing for convenience 52:50 - Outro == ➤ You can find Chris Here: You can find Julia at: ➤ Free points 101 course (includes hotel upgrade email template):  ➤ Instagram ➤ Credit card links ➤ Patreon  ➤ Sign up for the newsletter and get exclusive access to sign up for free coaching calls