Miles reward cards are a lot of trouble, but they may be worth it if you don’t mind the math

I HAVE always relied on credit cards that provide cashback on my purchases. But lately, I noticed that cashback cards I’ve relied on have lost their lustre due to the addition of minimum-spend requirements, as well as caps on cashback that can be earned.

Instead, miles cards seem to be where all the fun is at, especially if you can navigate the different miles conversion ratios, expiry dates and category spending.

Since I began working, I’ve relied on a number of different cashback cards.