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It depends. If you spend a lot of money on gas, groceries, and dining out, then it might be right for you. However, if you don't anticipate paying your card's balance every month, it may leave you with high-interest charges. Also, anyone with a low credit score may find it harder to get a points rewards credit card. They're typically targeted at consumers with good to excellent credit scores.
Yes. Besides earning different rewards, points rewards credit cards have a steeper learning curve than cash rewards credit cards. The points system is often more complicated because you have to learn the cards rewards program. And which partners participate in the program. Therefore, cashback programs are much more convenient. Also, what you earn with a cash rewards credit card is cash. You have to convert your points into cash with a points-based card, which may not offer as much value as redeeming them for travel.
Yes. It's not wrong to get more than one rewards credit card to maximize your rewards. However, it's essential to keep your spending in check. Don't go overboard, or you'll be dealing with several credit card bills.
Most credit card providers allow you to redeem your points for: