re: Discover card...anyone have one?

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However, in the past couple years I started playing the points game, and there's more value in points than cash back, assuming you like to travel.

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This gets discussed a lot but I don't think that is an absolute truth. i'm able to get more free travel using cash back than through points systems from my personal experience. For me, cashback rewards combined with rewards from airlines/hotels directly through their usage programs yield much more.

I think if you were only looking at the 1% cashback days, you'd be right. At worst every purchase I make I get 2.5% cashback on right now. At best, I get 6%. For the most part I average around 3-4% for all purchases across all categories. It all adds up rather quickly for my family.