Chris Hutchins

speaker

980 appearances 2 recordings 2 series first heard Sep 2025 last heard 16 Sep

Chris Hutchins’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Sep 2026 with 1.

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Something You Should Know · The Secret World of Credit Cards & The Science of Building Unshakable Confidence · 1 Sep 2025 podcast

If you're not someone who ever goes to the grocery store.

So that I think makes sense to most people on the, whether you earn points, whether you earn flexible points or airline miles or cash back, that really depends on the person at hand.

And I would say that,

The ability to get outsized value over cashback generally comes from the ability to be very flexible with travel.

However, I have lots of friends who come to me and say, hey, I'm not really flexible with my travel or I don't travel that much.

For those people, I think cashback can be a much more compelling outcome because

they're not forced to think, okay, well, I want to take this trip.

Is it possible to do with my points this time?

How does it work?

Can I find the right flights?

Can I find them for all four people in my family?

And that can make it a little bit more like a game, but a little bit more stressful for some people.

So if you're not someone who is flexible with travel and interested in kind of playing that game, cashback can often be a lot more lucrative in terms of the value you'll get and the ease of using that value.

But at the end of the day, I would tell everyone, whether you're playing points or cashback, you want to look for something that rewards you the most for how you spend your money.

And there are plenty of credit cards that will give you a flat 2% cashback or 2x points.

So I consider that the floor.

And I say, if you're not earning 2% back or 2x points on all your purchases...

you're probably not doing the base level of optimization because you could get the Citi Double Cash or the Capital One Venture Card and get that kind of 2x, 2% on everything.

So anything above that, you can work your way to getting a lot more.

But I think of that as the floor of what everyone should be getting.

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