I opened a cash-back card instead of another travel rewards card for 3 reasons, and it's the right fit for my life right now

Travel rewards are great ... unless you're not going to use them

I have the Chase Sapphire Preferred Card, a favorite among points-and-miles travelers. However, when it came time to open another card, I didn't go for another travel rewards card with flexible points — I went for a cash-back credit card. I wanted a more simple earnings strategy, and right now I have a toddler, so travel isn't a major priority for my family. Visit Business Insider's homepage for more stories.

I have the Chase Sapphire Preferred Card, a favorite among points-and-miles travelers. However, when it came time to open another card, I didn't go for another travel rewards card with flexible points — I went for a cash-back credit card. I wanted a more simple earnings strategy, and right now I have a toddler, so travel isn't a major priority for my family. Visit Business Insider's homepage for more stories.

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