I switched my credit card strategy to cash back during the pandemic - Business Insider

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I don't regret redeeming credit card rewards for cash back during the pandemic — here's why I'm sticking to this strategy in 2021

This page includes information about the Discover it® Cash Back product, which is currently not available on Business Insider and may be out of date.

This article is brought to you by the Personal Finance Insider team. It has not been reviewed, approved, or otherwise endorsed by any of the issuers listed. Some of the offers you see on the page are from our partners like Citi and American Express, but our coverage is always independent. Terms apply to the offers listed on this page.to book travel, but since the pandemic, I've switched to earning and redeeming cash back.

I love the flexibility of cash back, plus it's a way for me to treat myself to something I wouldn't typically purchase. I've linked my two main personal credit cards to Amazon and PayPal, so I can use my rewards to cover purchases there, too. I've typically used "bonus" money I receive to treat myself to something special — a cash gift for my birthday or good luck money during the Lunar New Year, an end-of-year job bonus, or money set aside for a small splurge when I've had a great month income-wise.

 

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