Uploaded October 2025 | Updated September 2026, 2 weeks ago
💳 Our Top Travel Cards: dailydrop.com/ranked-credit-cards/top-travel-cards
💰 Our Top Cash Back Cards: dailydrop.com/best-credit-cards/cash-back-cards
Click ‘show more’ to see ad disclosure
✅ Sign up for our newsletter: dailydrop.com/sign-up
----------
Related Videos:
📺 All-Inclusive vs. Standard Resort: youtu.be/DAN_cKHTURA
📺 7 Travel Essentials I Can’t Live Without: youtu.be/_oWZNGupqd4
----------
Daily Drop Resources:
📝 Opportunity Cost and the Case for Cash Back: dailydrop.com/pages/opportunity-cost-cash-back
📝 The Go-To Guide for Credit Card Transfer Partners: dailydrop.com/pages/the-go-to-guide-for-credit-card-transfer-partners
📝 Transfer Partners Cheat Sheet: dailydrop.com/transfer-partners-cheat-sheet
📝 Our Favorite Travel Accessories: dailydrop.com/travel-accessories
Perhaps the most heated debate in the credit card world is cash back vs. points. Cash back is simple — spend money, get a percentage back. 2% percent back means $2 for every $100 you spend. No blackout dates, no complicated transfer partners, and you can redeem it as a statement credit, direct deposit, or even a gift card, depending on the bank. Some cards give a flat rate on everything, others give higher cash back on specific categories like groceries or dining, and some rotate categories quarterly. Now travel rewards cards are different — you earn points or miles instead of cash back. General travel cards earn flexible points that you can redeem through a bank’s travel portal or transfer to airline or hotel partners to get even more value. Co-branded travel cards, on the other hand, earn points with a specific airline or hotel. Most travel cards also come with perks like lounge access, free checked bags, travel credits, and more, but also annual fees in most cases. So, which is better? Well, if you travel often or want to start traveling more, and you’re willing to put in the effort, travel rewards cards can give you way more value. But if you rarely travel or want something simple, go with cash back. The good news is, having both is really the best setup because in some cases, you can even turn cash back into points by pairing certain cards from the same bank. You can learn more about cashback vs points in our full video here, and be sure to subscribe to our daily newsletter for more travel tips just like this, but...
Advertiser Disclosure: Some of the card links and other products that appear on this website are from companies which Daily Drop will earn an affiliate commission or referral bonus. Daily Drop is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies, or all available credit card offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
💳 Our Top Travel Cards: dailydrop.com/ranked-credit-cards/top-travel-cards
💰 Our Top Cash Back Cards: dailydrop.com/best-credit-cards/cash-back-cards
Click ‘show more’ to see ad disclosure
✅ Sign up for our newsletter: dailydrop.com/sign-up
----------
Related Videos:
📺 All-Inclusive vs. Standard Resort: youtu.be/DAN_cKHTURA
📺 7 Travel Essentials I Can’t Live Without: youtu.be/_oWZNGupqd4
----------
Daily Drop Resources:
📝 Opportunity Cost and the Case for Cash Back: dailydrop.com/pages/opportunity-cost-cash-back
📝 The Go-To Guide for Credit Card Transfer Partners: dailydrop.com/pages/the-go-to-guide-for-credit-card-transfer-partners
📝 Transfer Partners Cheat Sheet: dailydrop.com/transfer-partners-cheat-sheet
📝 Our Favorite Travel Accessories: dailydrop.com/travel-accessories
Perhaps the most heated debate in the credit card world is cash back vs. points. Cash back is simple — spend money, get a percentage back. 2% percent back means $2 for every $100 you spend. No blackout dates, no complicated transfer partners, and you can redeem it as a statement credit, direct deposit, or even a gift card, depending on the bank. Some cards give a flat rate on everything, others give higher cash back on specific categories like groceries or dining, and some rotate categories quarterly. Now travel rewards cards are different — you earn points or miles instead of cash back. General travel cards earn flexible points that you can redeem through a bank’s travel portal or transfer to airline or hotel partners to get even more value. Co-branded travel cards, on the other hand, earn points with a specific airline or hotel. Most travel cards also come with perks like lounge access, free checked bags, travel credits, and more, but also annual fees in most cases. So, which is better? Well, if you travel often or want to start traveling more, and you’re willing to put in the effort, travel rewards cards can give you way more value. But if you rarely travel or want something simple, go with cash back. The good news is, having both is really the best setup because in some cases, you can even turn cash back into points by pairing certain cards from the same bank. You can learn more about cashback vs points in our full video here, and be sure to subscribe to our daily newsletter for more travel tips just like this, but...
Advertiser Disclosure: Some of the card links and other products that appear on this website are from companies which Daily Drop will earn an affiliate commission or referral bonus. Daily Drop is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies, or all available credit card offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
