kdm31091 wrote:I find the constant hyping of "PH makes travel rewards one of the best cash back cards" a bit odd since technically the travel rewards is not even cash back. Yes, it's cash back IF you redeem for travel purchases but to me that's more of a restricted points system vs unequivocally calling it a "cash back card". To each their own though.
For no AF and no FTF, I don't know why Quicksilver is always ignored. Same base 1.5% return, and no hassles with redemption.
Now, if you travel enough, may not be a concern...but to call it cash back is a bit of an overstatement IMO. It's cash back under certain conditions only. A few of the "regulars" on MF are notorious for spewing "best cash back card" without really elaborating that it's not just straight cash. Of course someone in Carefulbuilder's thread is already rambling about "pure cash back" and sorry but points you can only redeem for travel are not exactly pure cash!
I think the problem has been the muddying of the waters by banks. It used to be that points=/=cash. Now, you have some cards that can turn points into cash, and others that earn points, but display a cash value. Then you have travel cards that can link to Amazon to make purchases. It is all a very confusing system for those that don't bother to pay attention :P