Best Cash Back Cards and How to Earn up to 20% Back on Everything

Best Cash Back Cards and How to Earn up to 20% Back on Everything

Author: Chris Hutchins February 12, 2025 Duration: 47:51
#214: Chris reveals the top cash back credit cards in 2025 to maximize your rewards. He also goes deep on leveraging signup bonuses to earn up to 20% back on all your spending. Link to Full Show Notes: https://chrishutchins.com/cash-back-credit-cards-2025 Partner Deals Vuori: 20% off the most comfortable performance apparel I've ever worn Copilot: Free 2 months access to my favorite personal finance app with code HACKS2 LMNT: Free sample pack of my favorite electrolyte drink mix Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth Bilt Rewards: Earn the most valuable points when you pay rent For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Credit Cards: Best Cards Page | Chris’ Credit Card Optimizer Tool U.S. Bank Smartly Visa Signature Credit Card Robinhood Gold Card Discover it® Miles card Bank of America® Unlimited Cash Rewards Credit Card Bank of America® Travel Rewards Credit Card Bank of America® Premium Rewards® Credit Card Bank of America® Premium Rewards® Elite Credit Card Business Advantage Unlimited Cash Rewards Mastercard® Credit Card Business Advantage Travel Rewards World Mastercard® credit card Alliant Credit Union Visa Signature Card Bank of America® Customized Cash Back Rewards Credit Card Citi Custom Cash Credit Card U.S. Bank Cash+® Visa Signature® Card Verizon Visa® Card Wells Fargo Autograph Journey Visa® Card Capital One Spark Cash Plus Capital One Venture X Rewards Credit Card Hawaiian Airlines ® World Elite Mastercard Bank of America Preferred Rewards U.S. Bank Real-Time Rewards How to Get Approved for Business Cards All the Hacks Podcast Ep #170: Cash Back vs. Points: Are We Doing It All Wrong? Ep #136: Current State of Credit Cards Points and Predictions for 2024 with Sebastian Fung Membership Follow & Review on Apple Podcasts Email us for questions, tips, deals and feedback Full Show Notes (00:00) Introduction (02:00) Quick Overview (04:12) The 4% Cash Back Card From U.S. Bank (08:01) Update on the U.S. Bank Altitude® Reserve Visa Infinite® Card (10:57) Robinhood Gold Card for 3% Cash Back (15:54) The Discover Card for Miles (17:57) Rewards on Bank of America Cards (20:33) Perks and Cons of Bank of America Cards (28:04) Alliant Credit Union’s Cash Back Card (32:19) Quick Comparison of the Cash Back Cards (33:26) Chris' Card Optimizer Tool (37:38) How to Value Points (39:07) Leveraging Credit Card Welcome Offers (41:15) All the Hacks Membership Perks (43:15) Chris' Analysis of Welcome Offers (46:35) The Big Final Takeaway Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor’s Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever feel like there's a smarter, more efficient way to navigate your finances, your travels, and your daily routines? That's the core question driving All the Hacks: Money, Points & Life. Hosted by Chris Hutchins, this podcast is built on a simple, powerful idea: maximizing value doesn't mean sacrificing enjoyment. Instead, it's about the strategic choices that free up resources-both money and time-for what truly matters. Chris approaches life as a series of systems to be optimized, drawing from his own experience saving millions through meticulous analysis. The conversations here are practical and wide-ranging, moving seamlessly from credit card points strategies and investment philosophies to the less tangible hacks for personal fulfillment. You'll hear from a diverse roster of experts and icons, including Tim Ferriss, Tony Hawk, Codie Sanchez, and Gary Vaynerchuk, who all bring their unique perspectives on building wealth and designing a compelling life. Each episode feels like a focused workshop, offering actionable advice you can use immediately, whether it's planning a luxury vacation for a fraction of the cost or rethinking your approach to career and leisure. This isn't just about frugality; it's about unlocking freedom and excitement through smarter decisions. Tune in for a consistently insightful blend of tactical moves and deeper conversations that challenge the conventional trade-offs between spending, saving, and living well.
Author: Language: English Episodes: 100

All the Hacks: Money, Points & Life
Podcast Episodes
I Built an AI Assistant That Works While I Sleep [not-audio_url] [/not-audio_url]

Duration: 51:24
#265: Chris explores how modern AI tools have eliminated the barriers to building software, why planning matters more than coding skill, how anyone can turn a simple problem into a working app faster and cheaper than eve…
Deep Dive on Bilt Rewards and New Bilt 2.0 Cards [not-audio_url] [/not-audio_url]

Duration: 1:15:43
#264: Learn how the Bilt ecosystem works, from earning Bilt Rewards to the new cards, transfer partners, perks, and where the real value is. Whether you’re new or already earning, this is a practical guide to using Bilt…
How to Earn Millions of Points and More Listener Q&A [not-audio_url] [/not-audio_url]

Duration: 1:04:43
#263: Chris breaks down exactly how he’s earned millions of points and miles, and why simplicity matters more than optimization. He covers signup bonuses, spending strategies, credit score impacts, business cards, cash-b…
Goals, Tools, and Mindset Shifts for a Better 2026 with Kevin Rose [not-audio_url] [/not-audio_url]

Duration: 1:09:45
#261: Chris and Kevin reflect on 2025’s biggest wins and lessons, then dive into how they're planning 2026. They share their goals, the tools they're using, and why they're designing a year that’s easier, not just more o…
Top 10 Takeaways from 2025 [not-audio_url] [/not-audio_url]

Duration: 37:24
#260: Chris distills the most powerful lessons from over 50 episodes in 2025 into 10 actionable takeaways that changed how he thinks about money, time, health, relationships, purpose, and more. Link to Full Show Notes: h…
Choosing the Problems Worth Struggling For with Mark Manson [not-audio_url] [/not-audio_url]

Duration: 59:44
#259: Learn how to pick the challenges in life that actually matter. We break down how to stop optimizing for the wrong things, why values trump goals in decision-making, practical strategies for building real friendship…
My Top 5 Mistakes with Points & Miles [not-audio_url] [/not-audio_url]

Duration: 54:54
#258: The 5 biggest mistakes Chris has made in his points & miles journey. He dives into the hidden cost of status, the math behind point values, the power of opportunity cost, and why hoarding points quietly destroys va…
End of Year Checklist for Your Taxes, Points and Miles [not-audio_url] [/not-audio_url]

Duration: 1:13:17
#257: We break down essential tax and financial decisions to make before year-end. Learn how to maximize deductions, optimize charitable giving, manage investment gains and losses, and take advantage of retirement and ho…