The Difference Between Cash Rewards and Reward Points

Earning rewards online isn't as simple as you think. If you choose cash or reward points, the payback to you can be quite a bit different.
reward points
Would you like to earn reward points?

There are many age old questions, ranging from “Do you like chocolate or vanilla?” or “Is it hot or cold?” Many choices in life are so extreme that you may beed to spend a ton of time just making the right decision in the first place. But if you choose the wrong chalice, you just may not be granted everlasting life.

Reward Points vs. Cash Rewards

As long as that wasn’t too dramatic, maybe I caught your attention. The two choices up for debate are likely one of the hardest decisions you will ever make as a paid survey taker. Do you want that money right on your Venmo Card on transferred directly into your PayPal Account? Maybe you want reward points that act like miles or cash when you are ready to cash them in?

Whatever you choose, take a minute to do the ol’ Ben Franklin strategy of advantages and disadvantages of each and make sure you are prepared the next time you have the opportunity to choose.

Advantages and Disadvantages of Reward Points

Reward Points sound great every time they are presented. Get 100,000 points just for doing this. Earn 50,000 points when you buy a Netflix subscription. Some programs give you so many points that you can become a point millionaire. If you are into flair and big account balances, this is the right choice for you! Load ’em up.

The issue with huge dilution is that your points can end up being worth only fractions of a penny in real value. Whether you want a new iPhone or a 60-inch flat-screen, be sure you know the exact equivalent of your points. On top of this, make sure you redeem frequently. Keeping your reward points locked up in your account for years can lead to execution risk–meaning they may not be there when you most need them.

Advantages and Disadvantages of Cash Rewards

This brings us to Cash Rewards. That’s right, cold, hard cash. Nothing quite like it and you know exactly how much you are getting. You aren’t getting paid in Dogecoin, that could easily become worthless based on the fact that 14 million of them are minted each and every day the sun rises.

One thing to make sure of is that you aren’t being penalized or charged a ton of fees for choosing cash. The 1-3% transaction fees are to be expected, but if you sacrifice a payout just so you can get cash instead of points, make sure you are aware of it. A logical thing to do is clean out the cash in your account at least once a month.


In summary, cash rewards are usually the most optimal way to RECEIVE your rewards from taking paid surveys, just not the most lucrative. A lot of companies will nickel and dime you if you don’t read the fine print. Make sure if cash is your choice that you are keeping as much of it as you can!

Other Top Programs


Ipsos is a fantastic place for taking surveys, searching, watching videos, and more. Nationally known, this program will get your rewards to you ASAP without question. Start earning today with full confidence.


Sign up with your PayPal account and receive an instant $5. Then earn daily taking surveys paying up to $25, watching videos, and even just reading emails.

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