cash back or travel rewards credit card

Cash back may be less lucrative over the long haul, but shes not sure she cares anymore.
Sure, points chasers can rack up more rewards, but redeeming those for dream vacations can be tricky and time-consuming.
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Some travel rewards cards may come with finicky processes to gift for a teacher on her birthday earn and redeem your points or miles, specific directions you need to follow to book your travel, and other potential complications.By considering the type of travel you prefer, you can decide if travel rewards or cash back card are right for you.(See also: Ask These 7 Questions to Choose the Perfect Credit Card of course, you need to be aware that rewards are only rewarding if you pay off your balance in full each month.If your answer to most of these questions is a strong yes, youll likely benefit from a travel card.We also assume that most people want a great card that they can stick with for years, especially since bouncing from card to card can be bad for your credit score.When You Should Choose Cash Back.For frequent travelers (or those who simply hate the discomfort of travel perks like priority boarding, status upgrades, lounge access, and free checked bags may prove to be valuable on its own.General travel cards might require you to book travel through their portal or allow you to transfer points to the available programs.This post contains references to products from our advertisers.Advertiser Disclosure, we think it's important for you to understand how we make money.You may also have the opportunity to redeem gift cards or products.How their reward rates stack.Both cards let her earn points she can redeem for statement credits or whatever she wants and she prefers to keep it that way.Foreign Transaction Fee, none, return Payment Fee, up.I need cash all the time, she says.

However, if youre not looking to spend a lot in order to reach the spending threshold for the sign-up bonus, a cash back card may be a better choice for you.Receive complimentary benefits with an average total value of 550 with Fine Hotels Resorts.Its a lot simpler to get cash back than to find availability for points travel, he says.Some popular cash back cards offer 1 to 2 percent cash back on all purchases, and some boohoo voucher codes 2015 even offer higher cash back rates for specific categories such as gas and groceries.Ashley Gainer and her daughter meet Mickey Mouse.What tends to get the most attention, though, are the impressive sign-up bonuses associated with travel rewards cards.If you have a good credit score, you're better off with a low-interest credit card that can save you money on interest.
Image: Mastercard Gold Card: Stylish, but lacking in substance Image: How to get a business credit card).