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
How Much Are Points and Miles Worth in 2025? [not-audio_url] [/not-audio_url]

Duration: 1:06:42
#245: Ever wonder what points are really worth? I'll break down the different types of points, how to calculate their value, and the biggest mistakes people make along the way. You’ll also learn when cash back might be t…
How I Saved $10,000+ on Luxury Hotels [not-audio_url] [/not-audio_url]

Duration: 57:56
#244: I'll explain how I saved over $10k on luxury hotels in Costa Rica and Carmel Valley using points, free nights, and elite perks. I’ll walk you through every step, from how to book with points, when to buy them on sa…
Deep Dive on Capital One Credit Cards and Miles (+ Why I Love Them) [not-audio_url] [/not-audio_url]

Duration: 1:03:56
#242: Chris dives into the Capital One credit card lineup, breaking down earning structures for miles and cash back, exciting benefits, and redemption strategies. He also covers the best 2-card combo, transfer partners,…
Earn More Points with New Cards, Bonuses, and Challenges in 2025 [not-audio_url] [/not-audio_url]

Duration: 56:15
#241: We cover new credit cards, increased welcome bonuses, and major changes to existing cards and their benefits. Plus, learn how to rack up thousands of points through airline and hotel challenges and giveaways. Link…
18 Tactics for Booking Travel with Points & Miles [not-audio_url] [/not-audio_url]

Duration: 54:44
#238: Chris shares 18 tactics he’s used to get the best deals booking flights and hotels with points. Learn how to leverage flexibility, navigate transfer partners, use the right tools, identify “sweet spots,” avoid high…
How to Design a Rich Life at Any Income with Ramit Sethi [not-audio_url] [/not-audio_url]

Duration: 1:00:59
#237: Start living your rich life today regardless of your income. Learn how to spend without guilt, track the four key financial numbers that matter most, harness the power of decisiveness, and avoid the common traps th…
Deep Dive on Amex Credit Cards and Membership Rewards Points [not-audio_url] [/not-audio_url]

Duration: 1:45:22
#236: Chris reviews and ranks the full American Express lineup of 30+ cards. He also breaks down Membership Rewards, transfer partners, approval rules, card-linked offers, unique perks, and more. Link to Full Show Notes:…