Points & Miles
What points, miles and cash back are really worth, transfer partners, portals and welcome bonuses.
Guide4 min readA points total means little until you know what the points buyMultiply points per dollar by cents per point, subtract the annual fee, and count the bank points that leave your account when you transfer.Guide4 min readCash back, points or miles: what each one is worth after costsCash back is a dollar for a dollar; a points card beats a flat 2% card only when a usable redemption and the value after its fee say so.Guide5 min readMoving money for card rewards pays only if the extra rewards beat what you give upOn $20,000 of spending a 3% card adds $200 over a 2% card; a $25,000 move erases that if the new account's yield is more than 0.8 points lower.Guide4 min readSaving points beats cashing out only when a real booking is worth more than the cashOn a $380 flight, 30,000 points plus $30 beats cashing out by $50, but 50,000 points plus $30 loses to a 1-cent cash-out.
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