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 14
Switching credit cards without losing points: 7 maneuvers that work
People who accumulate credit card points live with a legitimate fear: switching banks or canceling the current card turns points to dust. In some programs, they vanish. In others, they don't — provided you execute the right maneuver before canceling. This guide breaks down the 7 real maneuvers Brazilians use to switch cards without burning their points balance, with the exact policy of each bank in 2026.
Curadoria Voyspark · May 13
2 articles · #pontos