I often hear that unless you travel a lot, a travel rewards card isn’t worth it. But where is the cut-off?
This nerdwallet article talks about converting points from a Capital One card to a specific hotel… but I don’t know what to do with that information.
My partner and I will be able to get points off of about $60,000 annually (excludes e.g. rent & savings). We are also planning to take a trip to Hawaii (~$3000) and Scotland ($5000) in the next 12mo. Is this ‘enough’ travel? Should we stick with a cash back card, or a travel rewards card, or look for a card that gives good point conversion for Scottish hotels…???
I’m leaning towards a simple cash back card, but hoping somebody can help me make sense of this stuff. Any help is appreciated, thanks!