pengahantering
18 januari 2022|5 min läsning
Lär dig mer om belöningsstrukturerna för kreditkort med cash back vs. miles.
18 januari 2022|5 min läsning
Du har bestämt dig för att du vill ha ett kreditkort som erbjuder belöningar. Och varför inte? Används ansvarsfullt,belönar kreditkortkan hjälpa dig att tjäna tillbaka något på dina utgifter.
Menvilka kreditkortsbelöningarär bäst för dig? Det finns i allmänhet tre typer:pengar tillbaka,miles och poäng. Läs vidare för en översikt över skillnaderna mellan kontanter tillbaka och miles-intjänande kreditkort och vad du bör tänka på om var och en.
Vad betyder cash back?
Medkontanter tillbaka kreditkort, tjänar du en procentandel av ditt köppris på varje kvalificerad transaktion. Generellt finns det tre typer av cashback-kort:
- Cashback-kort med schablonbelopplåter dig tjäna samma procentsats på allt du köper med ditt kreditkort. Till exempel,Capital One Quicksilver och QuicksilverOne kortlåter dig tjäna 1,5 % kontant tillbaka på varje köp, varje dag.
- Tiered cashback-kortge dig olika procentsatser av cashback, beroende på typ av köp. Till exempelCapital One Savor-korterbjuder 4 % cashback på restauranger, underhållning och populära streamingtjänster; 3 % i livsmedelsbutiker;1och 1 % på alla andra köp.
- Roterande cashback-korterbjuder vanligtvis ett lägre schablonbelopp för de flesta köp men en högre procentandel för kategorier som roterar under året. I vissa fall kan du välja kategorier. I andra fall väljer kreditkortsutgivaren kategorierna.
När du är redo att lösa in dina belöningar kan du vanligtvis välja hur du får pengarna tillbaka. Till exempel kan dina alternativ inkludera ett kontoutdrag, en check eller ett presentkort. Du kan ta reda på av din emittent vilka alternativ som finns tillgängliga för det kort du har.
Vad betyder att tjäna miles som belöning?
Resebelöningar kreditkortlåter dig tjäna ett visst antal miles ellerpoängför varje dollar du spenderar. Generellt finns det två olika typer av kort som kan tjäna miles:
- Allmänna resekortkan ge dig fler valmöjligheter över hur du kan tjäna och lösa in dina miles. Använd till exempel enCapital One Venture-korttjänar dig obegränsade dubbla miles vid varje köp samt bonusmilar med kvalificerande köp. Du kan lösa in dem på alla hotell-, flygbolags- eller reseköp, utan blackout-datum.
- Sammärkta flygbolagsbelöningskortär associerade med ett visst flygbolag. Du tjänar vanligtvis flest miles genom att använda kortet för att köpa flygresor och andra reseköp med det flygbolaget och dess partners.
Tänk på att termen "miles" inte har något att göra med det faktiska avståndet du har rest. Värdet på en mil – och vad du kan göra med den – beror på långivaren och belöningsprogrammet den är relaterad till.
Cash back vs miles
Hur väljer du mellan en cashback och ett kreditkort som tjänar miles? Båda typerna kan erbjuda många av sammafördelarsom andra kort. Och med tiden, om duanvända ditt kreditkort på ett ansvarsfullt sätt, det kan hjälpa digbygga eller bygga om din kredithistorikoch förbättra din kreditvärdighet.
Ett sätt på vilka kort som tjänar pengar och miles kan skilja sig åt är i deras villkor. Det kan inkludera saker somränta, om det finns enårlig avgift, om eller när belöningar löper ut och om du skulle få en bonus för kvalificerade köp med ditt nya kort.
Att känna till villkoren för ditt kreditkort kan hjälpa dig att bestämma vilket kort som fungerar bäst för din personliga situation och behov.
När du ska överväga att använda ett kontant tillbaka kreditkort
Här är några situationer när du kanske vill använda ett cashback-kort:
- Om du vill ha direkt tillgång till kontantbelöningar.Du använder ditt kort, du tjänar pengar tillbaka – enkelt är det. Till exempelQuicksilver kortger dig 1,5 % kontant tillbaka på varje köp.
- Om du tenderar att spendera mer i vissa kategorier.Du kan tjäna mer om du hittar ett kort som ger bra belöningar på saker du brukar köpa. Äta ute mycket? DeNjut av korterbjuder sin högsta nivå av belöningar – 4 % cashback – för middagar, samt underhållning och populära streamingtjänster.
- Om du gillar flexibilitet.Har du ingen storslagen plan för dina belöningar? Ett cashback-kort kan låta dig lösa in det du tjänar på alla typer av köp – eller som en check eller kontoutdrag.
När du ska överväga att använda ett kreditkort som tjänar miles
Här är några situationer när du kanske vill använda ett resebelöningskort som tjänar miles:
- Om du reser ofta.Ett kort som tjänar miles kan ge stora belöningar. Till exempel medVenture kort, tjänar du obegränsade dubbla miles på varje köp och 5 miles per dollar på hotell och hyrbilar som bokas viaCapital One Travel.2
- Om du vill höja din upplevelse.Ett resebelöningskort kan erbjuda speciella förmåner. Om du till exempel är Venture- eller Venture X-kortinnehavare kan du få upp till 100 USD i kontoutdrag för antingenGlobal Entry eller TSA PreCheck®.3Och Venture X erbjuder också obegränsad tillgång till deltagande flygplatslounger tack vareett gratis Priority PassTM-medlemskapmed Visa Infinite®-förmåner.4
- Om du älskar ett fynd.Värdet på miles kan ändras beroende på när och hur du löser in dem, så du kan få en bättre affär än du föreställt dig.
Välj belöningar du ska använda
Cash back eller resemil? En titt på din livsstil och utgiftsvanor kan hjälpa dig att bestämma digvilken typ av belöningskort är rätt för dig. Om du inte reser mycket och gillar att hålla dina alternativ öppna, kanske du upptäcker att flexibiliteten hos ett kontant tillbaka kreditkort passar dina behov bättre. Men om du är en frekvent resenär och åtnjuter reserelaterade förmåner, kan ett kort för att tjäna miles hjälpa dig att få dig en drömsemester och speciella uppgraderingar.
Som med alla kreditkort är det en bra idé att kontrollera villkoren innan du ansöker. Och vilket som helstkreditkort du väljer, kom ihåg att du kan få ut det mesta av dina belöningar genom att betala av ditt saldo i tid varje månad och använda ditt kort på ett ansvarsfullt sätt.
1Utesluter stormarknader som Walmart® och Target®. Capital One använder koder för säljarkategorier för att avgöra om ett köp är inom någon av de ytterligare cashback-kategorierna. Detta innebär att ett köp ibland inte tjänar ytterligare pengar tillbaka. Capital One ansvarar inte för säljarkategorikoder som används av handlare.
2För ytterligare information om Capital One Travel-bokningar, se travel.capitalone.com/terms-of-service.
3För att få ett kontoutdrag måste du använda ditt Venture- eller Venture X-kort för att antingen fylla i Global Entry-ansökan och betala ansökningsavgiften på 100 USD, eller fylla i TSA PreCheck®-ansökan och betala ansökningsavgiften på 85 USD. Kredit kommer att visas inom två faktureringscykler och kommer att gälla för det program som ansöks om först. Ett kontoutdrag per konto vart fjärde år, och ditt konto måste vara öppet och i god status när krediten tillämpas. Avgifter som debiteras ett VentureOne-kort är inte berättigade. Se applikations- eller kontovillkoren för ytterligare information.
4Anmälan krävs. Ytterligare villkor gäller.
Läs merom Capital Ones svar på covid-19 och resurser tillgängliga för kunder. För information om COVID-19, gå tillCenters for Disease Control and Prevention.
Statliga och privata hjälpinsatser varierar beroende på plats och kan ha ändrats sedan den här artikeln publicerades. Rådfråga en finansiell rådgivare eller relevanta statliga myndigheter och privata långivare för den senaste informationen.
Vi hoppas att du tyckte att detta var till hjälp. Vårt innehåll är inte avsett att tillhandahålla juridisk, investerings- eller finansiell rådgivning eller att indikera att en viss Capital One-produkt eller tjänst är tillgänglig eller rätt för dig. För specifika råd om dina unika omständigheter, överväg att prata med en kvalificerad specialist.
Capital One tillhandahåller, stöder eller garanterar inte någon tredjepartsprodukt, tjänst, information eller rekommendation som anges ovan. De listade tredje parterna är ensamma ansvariga för sina produkter och tjänster, och alla listade varumärken tillhör deras respektive ägare.
Hitta ditt nästa kreditkort
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18 januari 2022|5 min läsning
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FAQs
Are miles or cashback cards better? ›
miles: Pros and cons of each. While both types of cards have their benefits and drawbacks, consumers who prefer straightforward cash rewards will prefer cash back cards, and frequent travelers will prefer earning and maximizing rewards with miles credit cards.
Is 2x miles the same as 2% cash back? ›If a card offers 2x miles for every purchase.
02 in rewards value. (This is the same as earning 2% back.)
Cash Back. While you can redeem your Capital One Miles for cash back, this option offers the least value. You only receive 0.5 cents per mile when you redeem them for cash back as a statement credit or as a check.
Can you use miles for cash back? ›Most popular U.S.-based airline loyalty programs do not give you the option of converting your miles to cash. These include Delta SkyMiles, United MileagePlus, American Airlines AAdvantage and Southwest Rapid Rewards.
What are the disadvantages of a cashback card? ›| Pros Of Cashback | Cons Of Cashback |
|---|---|
| Many credit card companies give zero percent APR. | Travel rewards do not get enabled for many credit cards. |
| Cashbacks don't get devalued by credit card companies. | Interest payment for credit card balance could hamper cashback earnings |
While many travel rewards are worth around 1 cent each, airline miles can be worth up to 6 cents each for first-class flights. Despite the potentially high valuations, miles are not always worth earning. Here are four reasons why airline miles are not worth it.
What is better 3x points or 3% cash back? ›Generally speaking, it's better to redeem your points for travel. You're likely to get more value from a travel redemption than cash back for the same number of points. It's best to aim to get at least 1.5 cents value from each point.
How much is 50000 bonus miles worth? ›How much are 50,000 American miles worth? 50,000 American miles are worth about $750. How much are 80,000 American miles worth? 80,000 American miles are worth about $1,200.
How much is 75 000 bonus miles worth? ›Bonus offer: Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
How much is 100000 Capital One miles in dollars? ›100,000 Capital One miles are worth an average of $700, depending on how you redeem them. Capital One miles are worth the most when redeemed for travel, but you can also redeem for a statement credit, a check or gift cards, among other options.
What can 75k miles get you Capital One? ›
Read our step-by-step guide to covering travel purchases to see how it's done! Using this method, every Capital One Venture Mile is worth 1 cent. That means you can book $750 in flights using that 75,000-mile bonus. Or cover a $750 bill at a hotel or Airbnb.
How much is 20000 Capital One miles worth? ›Capital One miles are worth 1 cent each when redeemed for travel, 0.8 cents each when redeemed for gift cards and 0.5 cents each when redeemed for cash back. That means 20,000 Capital One miles are worth $200 in travel or $100 in cash back.
Do cash miles expire? ›Do Air Miles Expire? Generally speaking, Air Miles do not expire, so long as you keep your account active. If your account has remained inactive for 24 consecutive months, or two years, your Air Miles will expire and disappear completely.
Is it better to redeem points for cash? ›Ultimately, deciding whether to redeem points rather than pay cash for travel is a personal choice. You'll get more value by using them for high-priced travel experiences. But if you're a budget traveler who just wants to save a few bucks, use your points for that economy flight or low-category hotel redemption.
Should I have 3 credit cards? ›It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
Does using cash back hurt credit score? ›Cash advances can impact credit scores like any other loan. While they don't inherently hurt your credit score, they can lead to future credit issues. For example, using too much of your available credit or paying your cash advance back late can ding your credit score.
Why cashback is better than points? ›Cash-back credit cards typically offer better value when the redemption options on a points card don't appeal to you. If a points card offers cash-back options at all, it may offer cash back at a lower value than other redemption options.
What's so good about cash back? ›The cash rewards you gain can help maximise your everyday spending and give you some extra money. Bonuses: Some cashback credit cards offer bonuses when you sign up or even when you hit a certain spend limit.
How much is 60000 miles worth? ›10,000 United miles are worth about $120.
How much is 3 cash back on $1,000? ›
For example, if you spend $1,000 on purchases eligible for 3% cash back, you get $30 in rewards.
Is 5% cash back good? ›If you are looking to maximize rewards, a 5% cash-back card can be a great asset. Oftentimes, they have standard interest rates and no annual fee. However, these rotating category cards aren't for everyone. Trying to optimize your usage can be a lot of work, and many people don't want the hassle.
Are cashback cards worth it? ›Cash back rewards cards are worth it because they can help you save money as long as you pay off your balance each month. It is also worth noting that the best cash back credit cards with the highest rewards rates and signup bonuses sometimes have annual fees.
How much is 70000 bonus miles in dollars? ›70,000 Delta miles are worth an average of $784, according to WalletHub data. You will get the best value for your Delta miles if you use them for flights booked through Delta, though there are a few other redemption options to choose from.
How much is 70 000 United miles worth? ›| Number of AAdvantage Miles | Average Value |
|---|---|
| 80,000 | $944 |
| 70,000 | $826 |
| 60,000 | $708 |
| 50,000 | $590 |
80,000 United miles are worth an average of $952, according to WalletHub data. You will get the best value for your United MileagePlus miles when you redeem them for Travel, but there are multiple redemption options.
How much does 100000 air miles get you? ›| Airline Loyalty Program | April 2023 Value (cents/point) | Value of 50,000 / 100,000 Points |
|---|---|---|
| American Airlines AAdvantage Miles | 1.4 | $700 / $1,400 |
| All Nippon Airways (ANA) Mileage Club Miles | 1.4 | $700 / $1,400 |
| Asiana Airlines Asiana Club Miles | 1.6 | $800 / $1,600 |
| Avianca Airlines LifeMiles | 1.4 | $700 / $1,400 |
You can also use your Capital One miles for cash back in the form of a check or statement credit for a non-travel purchase. But cash-back redemptions cut the value of mile in half, meaning that miles are worth 0.5 cent each. You'll need a minimum of 5,000 miles for a cash-back redemption.
Do Capital One miles expire? ›Earn miles on everything
Or use your rewards to book through Capital One Travel. It's that simple. There's no limit on the miles you can earn, and your miles won't expire for the life of your account.
How much is 40000 Capital One miles worth? ›
You'll earn transferable miles
For example, if you want to book flights to Hawaii, you could redeem 40,000 miles for $400 worth of airfare booked directly through the airline or the Capital One travel portal.
Capital One Venture miles can also be used to pay for flights on nearly all airlines. You can do so by booking through Capital One Travel, transferring miles to airline partners, or covering the cost of recent flights. In fact, Capital One Venture miles are redeemable for nearly any travel purchase made anywhere.
How long does it take for Capital One bonus to post? ›When it comes to credit card sign-up bonuses for Capital One credit cards, cardholders can expect to see their bonus applied to their account within one to two billing cycles after reaching the applicable minimum spend threshold. The same applies to annual rewards bonuses, per the fine print on the Capital One website.
Can I use Capital One miles on American Airlines? ›No, you can't transfer Capital One miles to American Airlines, but you can transfer your miles to British Airways, Cathay Pacific, Etihad, Finnair, or Qantas and use those miles to book American Airlines flights.
How much are miles worth in cash? ›The value of airline and hotel rewards can vary dramatically based on the rewards program and booking details, ranging in value from roughly 0.4 cents per point or mile to 3 cents per point or mile. This can make it tough to judge how far your rewards will take you when planning a trip.
What are Capital One miles used for? ›Through the Capital One travel portal, you can redeem your miles for flights, hotel stays, car rentals, vacation packages and more. Alternatively, you can redeem your miles to cover qualifying travel purchases made with your card within 90 days of purchase.
How many miles per dollar is Capital One Venture? ›How do Capital One Venture miles work? , you earn 2 miles per dollar spent on all purchases. You can redeem those miles (at a value of 1 cent apiece) for any travel purchase — flights on any airline, stays at any hotel, auto rentals from any agency, and so on.
What best airline miles don't expire? ›Frequent flyer miles earned from the following major domestic airlines do not expire: Delta Air Lines SkyMiles, JetBlue TrueBlue, Southwest Airlines Rapid Rewards, United Airlines MileagePlus. Other airlines, including American and Alaska, have varying mileage expiration policies and ways to keep your miles active.
Is Air Miles ending 2023? ›Effective March 23, 2023, all Thrifty Foods and IGA locations including their affiliated banners will no longer be part of the AIR MILES Reward Program. Ontario: Effective November 3, 2022, Sobeys and its affiliated banners in Ontario stores will no longer be part of the AIR MILES Reward Program.
Is it safe to sell miles? ›Selling miles isn't illegal, but does violate program rules
Selling airline miles isn't illegal, in the sense that there generally aren't laws explicitly prohibiting this practice. Selling airline miles almost always violates the terms & conditions of loyalty programs, which you agree to when you join.
What is the smartest way to redeem credit card points? ›
It's generally best to redeem credit card rewards points for as much value as you can get. After all, your points are a currency just like cash, albeit in a different and unofficial form. When choosing your options, the rule of thumb is to stick with redemption options where your points are worth at least 1 cent each.
Is cash-back taxable? ›No, credit card cash-back rewards are not taxable. The IRS treats cash-back rewards as a rebate on spending and not as income, so you aren't required to pay income tax on these rewards.
What is the difference between cash points and cash-back? ›Points and miles cards give cardholders more redemption options than cash-back cards but typically require you to put in some effort to find the best deal. You can usually redeem points or miles for gift cards, travel, merchandise and statement credits.
Is 20 credit cards too many? ›There's no such thing as a bad number of credit cards to have, but having more cards than you can successfully manage may do more harm than good. On the positive side, having different cards can prevent you from overspending on a single card—and help you save money, earn rewards, and lower your credit utilization.
Does cancelling a card hurt credit? ›Credit experts advise against closing credit cards, even when you're not using them, for good reason. “Canceling a credit card has the potential to reduce your score, not increase it,” says Beverly Harzog, credit card expert and consumer finance analyst for U.S. News & World Report.
Is there a downside to having too many credit cards? ›Having too many open credit lines, even if you're not using them, can hurt your credit score by making you look more risky to lenders. Having multiple active accounts also makes it more challenging to control spending and keep track of payment due dates.
Why are points better than cashback? ›Both have advantages. 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.
What is the advantage of Miles card? ›The pros and cons of using an air miles credit card
There are many benefits to be gained from using an air miles credit card. Aside from helping you save money, you can upgrade your seat, redeem free flights, gain access to premium travel lounges and more.
These perks include a lowest-advertised-price match, extended warranties, return guarantees (or a refund if a store won't accept a return), cell phone protection, and more. Not all cards offer these features. Read your card's benefits guide for a detailed breakdown.
What is better 3x points or 3% cash-back? ›Generally speaking, it's better to redeem your points for travel. You're likely to get more value from a travel redemption than cash back for the same number of points. It's best to aim to get at least 1.5 cents value from each point.
Is it better to save cashback? ›
Cash in your cash back ASAP
You should redeem cash back as soon as you can because it continually loses value due to inflation. Even though your cash back won't lose much of its value year to year, it doesn't make sense to hold on to it. Maximize its value by redeeming it immediately.
You're carrying a balance
That's a losing game. The average APR on cash back cards is about 1.3 percent monthly, so if your cash back card is paying 1 percent, you're leaking money. And if you're getting 2 percent, you're barely breaking even.
- Consider the types of categories you spend in. ...
- Look for a card with a welcome bonus. ...
- Register for quarterly bonus categories. ...
- Make use of shopping portals. ...
- Avoid carrying a balance and pay your bill in full each month.
Cash back and points and miles cards each have their own advantages. Cash back cards give you simple, flexible cash rewards that you can use any way you please. Points and miles cards, on the other hand, offer the chance to get extra value out of your rewards by redeeming them for travel.
Do credit card miles expire? ›Credit card points and miles won't expire as long as your account remains open. However, points and miles earned with airline and hotel loyalty programs do typically expire following a lack of activity.
How much is 75000 Capital One miles worth? ›Earn 75,000 Bonus Miles With the Capital One Venture Card
Before we dig in, to unlock the 75,000 bonus miles, new cardholders will need to spend $4,000 on the card within the first 3 months of opening their account. By Upgraded Points' valuations, 75,000 bonus miles equate to a cash value of around $1,350.
Choosing a flat-rate cash-back credit card
Generally, a 2% card wins out over a longer period and benefits high spenders (assuming the 2% cash back is unlimited.) But the 1.5% card with a bonus is better in the short term and better for low spenders. If it's a tie, think short-term.
This system is used to prevent cashiers surreptitiously adding cashback amounts to a transaction and keeping the money for themselves (or accusations of same), but more importantly, to ensure that customers cannot return to the store with allegations that the attendant "forgot" to hand over the requested cash.
Do cash-back cards have higher interest rates? ›And it can be worse if you're using a cash-back card, which is considered a “rewards” credit card because you earn a bonus on your spending. These types of credit cards tend to have higher interest rates, on average, than others.