 Hello everyone, this is financial author Amit Don of Iran Journal. Today, I'll talk about why you should never settle for cashback rewards credit cards. You'll often hear that cashback rewards credit cards are the best rewards credit cards because they are simple to understand and easy to use. And you don't need to spend endless hours mastering hotel points and flight miles to get the maximum out of your rewards credit cards. However, many cashback credit card users do not realize that even though you don't want to deal with points and miles, there's no need to shy away from travel rewards credit cards because they provide the best returns possible among all types of rewards credit cards. So, how is it possible to enjoy travel rewards credit cards without going into the hassle of miles and points? The answer lies on the types of travel credit cards you're dealing with. Propitory rewards travel credit cards offer simple rewards points that are proprietary to the credit card company that just works like a cashback credit card. You'll receive proprietary points that will offset your travel cost charged by your card. For example, the Scotia Bank Gold American Express travel rewards card provides four points per dollar spent on selected categories that translates into 4% return. The only difference here from a cashback credit card is that you have to use these points to offset travel cost instead of getting cashback. Cashback credit cards can never beat travel credit cards because of the benefits and rewards travel credit cards can provide and you can choose a proprietary travel rewards credit card if you do not want to go into points and miles. That begs the question, what is the only one reason you should not use travel rewards credit card? The answer is when you do not travel and not planning to travel ever at all. For most of the population, travel happens often or will happen at one point in our lives. So to get the most out of your credit cards, go with a travel rewards credit card and enjoy the highest possible return credit cards can provide you among with other wide array of perks and benefits that no other types of credit cards can provide. That's all for today. Thank you.