What Cash back Are Worth (September 2026)

Cash floor: 1.0¢ — Cash, always

Issuer travel portal: — · Transfer target: 1.0¢ · Peak: 1.0¢

Why we use 1.0¢

A cash-back point is a cent. It never gets better and it never gets worse, which is exactly why it wins for owners who will not plan a trip.

Where owners lose value

None worth naming. The only cost is the ceiling: cash back cannot reach the 2¢-plus results a transfer can.

Where the peak number comes from

• Statement credits with no blackout dates, award seats or transfer deadlines

Business cards that earn Cash back

• U.S. Bank Triple Cash Rewards — 3% on several business categories with no annual fee.
• Capital One Spark Cash Plus — Flat 2% with no category tracking.
• Brex Card — Points that function closer to cash for most businesses.
• Ramp Card — No rewards chase at all — savings come from spend controls.

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