In this episode of Roadmap to Retirement, I’m joined by credit card rewards consultant Colin Strout to talk about when credit card points beat cash back, how travel “arbitrage” can turn points into outsized value, and why it adds complexity. We cover transfer partners, hybrid cash back-to-points strategies, premium card perks like lounges, and when it’s simply better to stick with a flat 2% cash back card. Colin also explains why responsible use matters and who benefits most—high-spending business owners or people sitting on lots of points.
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