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re: Credit Card Rewards and Points Discussion
Posted on 1/6/19 at 3:14 pm to rintintin
Posted on 1/6/19 at 3:14 pm to rintintin
QQ because I haven't used UR points that much... Mainly just earn and never use.
Does UR do point buys? Like SW is always offering "Buy rewards miles at x discount" which for them, isn't a deal whatsoever.
But having the CSR and the 50% redemption bonus, I'm wondering, 1) If UR does do point buys and 2) If you have CSR if you actually come out ahead
Does UR do point buys? Like SW is always offering "Buy rewards miles at x discount" which for them, isn't a deal whatsoever.
But having the CSR and the 50% redemption bonus, I'm wondering, 1) If UR does do point buys and 2) If you have CSR if you actually come out ahead
2
Posted on 1/6/19 at 3:31 pm to Lsut81
quote:
Does UR do point buys? Like SW is always offering "Buy rewards miles at x discount" which for them, isn't a deal whatsoever.
But having the CSR and the 50% redemption bonus, I'm wondering, 1) If UR does do point buys
Yeah those SW point "deals" are terrible.
I don't think UR does point buys, but unlike SW you can pay with points and cash. Every purchase you make on UR you have the option to use as many points as you want towards it, and just pay for the rest. It's useful in some cases.
quote:
2) If you have CSR if you actually come out ahead ?
If you mean is it worth the annual fee? Absolutely in my case. If you use it for travel and that 50% boost, you can rack up.
Posted on 1/6/19 at 3:55 pm to Lsut81
If your question is can you buy UR points from Chase the answer is no.
As for SW, SW points are worth about 1.4-1.6 cents.
Hence, when booking SW you are better off using CSR to book through the portal so you earn miles for flying as well.
As for domestic econ, most airlines are 12,500 miles one way, unless you're using something like British Avios to book short haul American. So your first measure is if the Chase Portal will cost you more than 12,500 one way.
A separate measure is how many cents per point are you getting on your redemption.
For example, if I use 10,000 Chase points for a $200 ticket, most points enthusiasts would consider that a "lose" or a push at best. Why? Because you got 2 cents of value per point, or what is equivalent to 2% cash back. And it's a whole lot easier to earn 2% cash back without the theatrics.
I would say if you are constantly redeeming for 2 cents, you may be better off with cash back cards. Now, the caveat is the bonus multipliers on spend. For example, a simple cash back may earn 1 point per dollar, while another card may earn 3. Obviously, if it takes you less time to earn 10,000 points spending less actual money, then you are doing better than the 2% redemption rate.
But that number should probably always be your floor in calculating quickly if you're getting a decent redemption.
As for me, I'm usually using them for international business where the tickets are worth 5 to $10,000 and that's what I like doing it for.
As for SW, SW points are worth about 1.4-1.6 cents.
Hence, when booking SW you are better off using CSR to book through the portal so you earn miles for flying as well.
As for domestic econ, most airlines are 12,500 miles one way, unless you're using something like British Avios to book short haul American. So your first measure is if the Chase Portal will cost you more than 12,500 one way.
A separate measure is how many cents per point are you getting on your redemption.
For example, if I use 10,000 Chase points for a $200 ticket, most points enthusiasts would consider that a "lose" or a push at best. Why? Because you got 2 cents of value per point, or what is equivalent to 2% cash back. And it's a whole lot easier to earn 2% cash back without the theatrics.
I would say if you are constantly redeeming for 2 cents, you may be better off with cash back cards. Now, the caveat is the bonus multipliers on spend. For example, a simple cash back may earn 1 point per dollar, while another card may earn 3. Obviously, if it takes you less time to earn 10,000 points spending less actual money, then you are doing better than the 2% redemption rate.
But that number should probably always be your floor in calculating quickly if you're getting a decent redemption.
As for me, I'm usually using them for international business where the tickets are worth 5 to $10,000 and that's what I like doing it for.
This post was edited on 1/6/19 at 3:58 pm
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