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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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