💸 Cashback and Miles: How to Make the Most of These Benefits

If you use a credit card, shop online, or pay bills through digital platforms, there’s a good chance you’re missing out on money if you don’t fully understand cashback and airline miles programs.

💡 These financial rewards can help reduce your expenses, create extra income, or even cover full travel costs — if used strategically.

In this Pocket Tips article, you’ll learn:

• The difference between cashback and miles
• How these programs actually work
• How to earn more points without spending more
• Tips to turn daily purchases into real financial advantages

💳 What Is Cashback?

Cashback is a rewards system where you get a portion of your money back after making a purchase. It may appear as:

• Credit on your card bill
• Cash in your bank account
• Credits in partner apps or platforms

📌 Example:

You purchase a product for R$500 with 5% cashback → you receive R$25 back.

✈️ What Are Miles and Points?

Miles are units collected through loyalty programs, which you can redeem for airline tickets, services, or products. You can also convert them into:

• Shopping discounts
• Hotel stays
• Flight upgrades
• Cash (by selling them on mileage websites)

💡 Most credit card reward points can be transferred to frequent flyer programs such as LATAM Pass, Smiles, or TudoAzul.

🧠 Cashback or Miles: Which One Is Better?

It depends on your lifestyle. Check the table below:

Profile	Best Option
Low card spending	Cashback
Frequent traveler	Miles
Heavy app and digital bank usage	Cashback
Earns many points monthly	Miles (with strategy)

📌 Tip: Some credit cards offer both benefits. Choose the one that best fits your goals.

📈 How to Accumulate More Miles (Without Spending More)

🛒 1. Use Airline Shopping Platforms

When you shop through a frequent flyer shopping portal (e.g., LATAM Pass), you can earn up to 10 points per real spent on partners like Amazon or Magazine Luiza.

💳 2. Choose a High-Rewards Credit Card

Look for cards that offer at least 1 point per real spent, or ideally, 2 points per USD.

🔁 3. Transfer Points During Bonus Campaigns

Wait for 30%, 50%, or even 100% bonuses when transferring points from your bank to mileage programs.

⏱️ 4. Avoid Expiring Miles

Monitor expiration dates. Use or sell your miles before they expire.

💵 How to Maximize Your Cashback

💳 1. Use Cards with Direct Cashback

Top cards: Méliuz, Inter, Nubank Ultravioleta, XP, C6 Bank.

📱 2. Shop Through Cashback Apps

Use apps like Méliuz, Ame Digital, PicPay, or Cuponeria to earn cashback on online purchases.

💸 3. Choose One-Time Payments (Even by Card)

Some cashback platforms only reward upfront payments, not installments.

📌 Always check cashback eligibility rules before purchasing.

⚠️ Key Warnings

• Don’t buy impulsively just to earn rewards
• Compare prices – cashback doesn’t always mean the best deal
• Pay attention to timelines for receiving cashback or miles
• Watch for high card fees that may cancel out your rewards

🔍 Useful Tools and Platforms

• Melhores Destinos & Passagens Imperdíveis – find airline mileage deals
• MelhorPlano.net – compare credit card rewards
• MaxMilhas & HotMilhas – sell your miles securely
• Méliuz, Cuponeria, Ame – best cashback apps

✅ Conclusion

Cashback and miles are powerful tools for managing your money — but they only work in your favor when used strategically.

Turn everyday spending into real financial benefits — without falling into the trap of unnecessary consumption.

📌 Remember: it’s not about spending more to earn rewards — it’s about being rewarded for the spending you already do.