Category-based travel cashback: 1% flights, 4% hotels, 6% restaurants
Cashback looks simple until you compare Chase Sapphire Reserve (10% on hotels via Chase Travel), Amex Platinum (5% on flights booked directly with the airline) and Capital One Venture X (2% flat on everything) with Itaú Personnalité Black or Inter Black in Brazil. Someone who travels four times a year leaves between R$ 1,800 and R$ 6,400 on the table by choosing the wrong card. Let's run the numbers card by card, category by category.
Curadoria Voyspark · May 15
Points, miles, or cashback: the honest formula to choose by your spending profile (in 4 real scenarios)
The question "miles or cashback?" has the wrong answer in 90% of blogs because it assumes everyone travels the same way. They don't. Someone who spends $800/month and takes one international trip per year loses money accumulating miles. Someone who spends $5,000/month and flies premium four times per year burns return staying in cashback. This guide is the formula that cross-references monthly spending, travel frequency, and preferred class — and returns one system, not three vague options.
Curadoria Voyspark · May 15
2 artigos em #cashback