How do you use your credit card rewards?

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Members share tips and tricks for getting the most miles, & points.
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Re: How do you use your credit card rewards?

Postby amexmember12 » Sun Jul 31, 2016 4:42 pm

CarefulBuilder14 wrote:Re: Which hotel rewards card is that where you only have to spend 1k and get the AF waived? I'm fine with the cards I have now, but maybe in the future I'll consider that.

Hyatt and IHG come to mind.

When someone travels a lot, though, AFs are often not a big deal.

Agreed - I travel for work and have easily made back the annual fees for my Marriott, PRG and CSP.

Example in June I racked up 12k+ UR points from hotel, food and uber which covers the $95 annual fee and still leaves $25 to spare.

Toss AMEX offers into the mix such as $40 cash back for stays at Hilton etc and it gets better.
CSR $24K | Discover IT $22.9K | AMEX BCE $15K | AMEX EveryDay $12.9K | Marriott Premier - $11K | Delta Platinum $10K | Freedom $6.5K | Freedom $6K | BOA Travel Rewards - $2.7K | AMEX Platinum

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Re: How do you use your credit card rewards?

Postby CarefulBuilder14 » Sun Jul 31, 2016 5:25 pm

Wyndham is an option for fairly basic hotels. A $69 AF (not waived) and $1k spend gets three award nights with minimal blackout dates/properties. They're generally not high-end, but 3 nights for $69 is hard to beat in generally expensive areas.

I've stopped trying to do highly precise award math. I have so many earning and redemption options that I don't see much value in trying to be precise. When the input involves subjectivity, no formula can give a precise and meaningful output. I just use points when they offer what is obviously at least a decent value, and I'll drop AF cards as their value prospect diminishes.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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Re: How do you use your credit card rewards?

Postby yfan » Mon Aug 01, 2016 2:17 pm

My cards are nearly all cashback, with the exception of my Orbitz Visa, which has 5% back on Orbitz and 2% everywhere else, and is as good as cash, but the currency can only be redeemed on prepaid hotel bookings on Orbitz. I redeem my Citi Double Cash to my bank account, and Discover's mostly with gift cards (the $5 extra adds up). Everything else is taken as statement credit.

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