Are Credit Card Points Still Worth It? and More Listener Q&A

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#286: With credit card fees climbing, credits getting harder to use, and points constantly devaluing, it's fair to ask whether earning points and miles is even worth it anymore. In this AMA, Chris breaks down why the fees are still worth it for him (and who they're not worth it for), common mistakes to avoid when running the numbers, and when cash back makes the most sense. He also walks through how to start from scratch, when a high annual fee actually pays for itself, and how to squeeze more out of overlooked spending categories. Link to Full Show Notes: https://chrishutchins.com/are-points-worth-it-ama Partner Deals Superhuman: ⁠Free month of the fastest and best email with code ALLTHEHACKS Trust & Will: ⁠Get 20% off personalized, legally binding estate plans Green Chef: ⁠50% off your first month + 20% off for two months with code 50ALLTHEHACKS NetSuite: ⁠Free KPI checklist to upgrade your business performance Wispr Flow: ⁠Try effortless voice dictation for free For all the deals, discounts and promo codes from our partners, go to: ⁠chrishutchins.com/deals Resources Mentioned ⁠Best Cards Page⁠ ⁠Join the CardTool Waitlist⁠ AMA: ⁠Submit Questions⁠ Points Path Frequent Miler: What are Delta SkyMiles worth? Frequent Miler: What are Hyatt points worth now that the new award chart is live? How to Automatically Forward iMessages & Texts to Other Contacts Using Shortcuts Am I Eligible for a Business Credit Card? Ep #227: The Path to Becoming an Expert in Points & Miles with Devon Gimbel Ep #249: Earn More Points in Multiplayer Mode with Kai Ep #264: Deep Dive on Bilt Rewards and New Bilt 2.0 Cards Ep #267: Credit Cards: What's in My Wallet for 2026 Ep #280: The Hidden Rules of Credit Card Approvals Ep #283: Do You Actually Need Travel Insurance? Gift Cards Page Newsletter Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (01:11) Why "Coupon Book" Cards Are a Premium-Card Problem, Not a Points Problem (02:08) Why Poin