The real math of US and Brazilian cards for someone who travels 4x a year — and why the average Brazilian gives back 70% of the cashback they could be earning.
The real math of US and Brazilian cards for someone who travels 4x a year — and why the average Brazilian gives back 70% of the cashback they could be earning.
Chase Sapphire Reserve returns 10x points (~10% value) on hotels via Chase Travel — best effective cashback on lodging in the market.
Amex Platinum pays 5x points on flights bought directly from the airline (up to USD 500k/year) — ~5% effective, best in aviation.
Capital One Venture X pays 2% flat on everything + 10x on Hertz — the "lazy" mathematically correct choice for those who don't want to optimize.
Itaú Personnalité Black in Brazil offers ~1% in points with no category bonus — loses badly to US cards on international travel spending.
Inter Mastercard Black returns 1% real cashback on every purchase, no bonus categories — simple and direct, but a low ceiling.
The real math of US and Brazilian cards for someone who travels 4x a year — and why the average Brazilian gives back 70% of the cashback they could be earning.
