I get 4.5-10 cpp on my redemptions. Sq bc going cash price around 4k or so. Using 73k air Canada miles. FC coming back on JAL cost 110k miles. Cash price is around 7500.
most people in points game know how to play correctly and rarely if ever carry a balance nor spend unnecessary. Plus the discounts and credits for using the right cards on the right purchases actually make us money. Plus it’s much safer than using a debit card and we don’t pay swipe fees. Idc about interchange fees or the cost to the banks which just recoup it off the poors. I avg 8-20% back or more on just my daily/monthly spend on bills, insurance, taxes, utilities, food etc. plus double dip using Rakuten and other shopping portals. Hell I have to buy 2 phones this week and will pick up
Also if your credit doesn’t suck you’ll earn enough points from your monthly spend and sign up bonuses to never have to pay for plane tickets again. Double if you have a business even a very small one.
Points. Booked BC on SQ for 73k air Canada miles transferred from Chase plus about 60 bucks cash. Have to take a positioning flight to ewr to catch my flight. and that cost 140. Have spend one night in hotel overnight since morning departure. Used a free night cert from Marriott for that.