<<So, in the end with all other things held constant (interest rates and/or paid off each month, convenience, etc.), does a FF-bearing card really make more sense than a cash-back card? I hope this starts a lovely discussion.>>For me, a FF-bearing card is a waste. My business travel is for the US Government, and I have to turn back in my FF miles. They used to let us use our miles for first class upgrades, which let me discover that first class passengers are as obnoxious as economy ones - in a different way though. Now, the Guardians of the public till don't let us even do that. A cash back card would do well for me on Government travel, since most of my expenses are covered by a flat per-diem. I get a flat amount of cash per day, amount depending on the city, for meals and incidental expenses. My hotel expenses are reimbursed for the cost, so using a cash back card might get me in trouble there. The way the rules are, any rebate I got on directly reimbursed items would have to go back to the U.S. Government. Even with that in mind, some cities can be horrendously expensive for meals, etc. Depending on where you are, the per-diem may not be enough, and stretching it can be hard. Just some thoughts.George
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