CNBC Points Pro: Is a credit card with bonus categories or flat-rate rewards better?

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Welcome to the Points Pro, where I answer your credit card and travel rewards questions each week. If you have a question you'd like answered, you can submit it here . This week, reader Sarah asks: Is a card that offers higher points on certain categories (3X on restaurants and 1X on everything else) or a flat rate of say 1.5X points on all categories more rewarding? …