Friendly reminder... I personally love this stuff (Constitution talk, etc.) but we're getting close to that line set by the 'powers that be' that we can't cross. 
We need to bring it back to discussion of points... speaking of which, I'll be the first to mention that points cards aren't for everybody - I personally like cash rewards better myself.
I do have the PRG, but I don't have it for rewards purposes (although I'm not giving my MR points away... LOL). I much prefer the simplicity of the BCP and my other cash earning cards. I have an account set aside just for my cash rewards, that way when the time is right they are all in one place for me to spend. 
That being said, the 'road warriors' and people who travel for pleasure seem to get excellent value from the various 'points' cards. 
edit: can't spell today
@UncleB wrote:Friendly reminder... I personally love this stuff (Constitution talk, etc.) but we're getting close to that line set by the 'powers that be' that we can't cross.
We need to bring it back to discussion of points... speaking of which, I'll be the first to mention that points cards aren't for everybody - I personally like cash rewards better myself.
I do have the PRG, but I don't have it for rewards purposes (although I'm not giving my MR points away... LOL). I much prefer the simplicity of the BCP and my other cash earning cards. I have an account set aside just for my cash rewards, that way when the time is right they are all in one place for me to spend.
That being said, the 'road warriors' and people who travel for pleasure seem to get excellent value from the various 'points' cards.
edit: can't spell today
+1 for the preface UncleB
@Anonymous wrote:
@RM21 wrote:
Yes you get to see more sights during your drive but on the other hand I'll get to see more sights in my desired location with less time getting there in some cases
Driving also has it's downside you know if your driving long distance you almost lose 2 days of vacay. Resting before you leave and before getting back on the road for your return trip home.
I get off the plane ready to go (fresh) and ready for an adventure
You'll spend on gas to get there and back my jet fuel was free ...Lol
The 50k points if used correctly can have a value of $0.02 or more a pcs making them have a value of 100k+ points or upwards of $1k+
In closing it boils down to what's best for you, where you want to go and at what out of pocket cost you're willing to pay? Not to mention the time it takes to get there and how much of that time you get to enjoy
I am a fan of driving, only because I fear flying for various reasons. However, I know you are sooo right about this. I always think about the time I could have not driving. it just hasn't bothered me more than my fear for flying.
Mine is more a constitutional stance. The police can't search people at random, why can the TSA? We are giving up tiny bits of our rights at a time so people don''t even realize they are losing them. One day we are going to wake up and there aren't going to be any rights left.
That is a good point about using points for travel. But ya know what else I can use to do that?- Cash. So unless the points are earning at a higher rate than the cash cards, I still don't see a benefit.
Let's compare two cards that appear to earn at the same rate on the surface: Quicksilver vs Freedom Unlimited at 1.5%.
After ~$16,600 spent you would have earned $250 w/ Quicksilver and 25,000 points with the Unlimited once transferred to CSP.
I can now redeem that 25,000 UR for a 1 way business class trip or round trip in domestic on United Airlines anywhere in the U.S. Business class on United can go as high as $650 (more or less) one way.
$250 might get you one way in domestic depending on the destination (usually shorthaul).
In the above scenario, I just redeemed what appeared to be 1.5% on the surface for ~3.9% using Ulimate Rewards. I simply get more value depending on the redemption. If we switch to international travel, forget about it, the value can increase even more. So yea, even if you substract the $95 annual fee, you're still substantially ahead in earning/redemption rate.
It took me a while when I first began my credit rewards journey to truly understand the difference. I was all about cashback, no annual fee cards which you can see from my signature. I've slowly been phasing those out for point earning, annual fee cards because I enjoy reward travel in comfort. YMMV of course and it's all about your comfort level and goals in deciding which scenario is best for you.
@UncleB wrote:Friendly reminder... I personally love this stuff (Constitution talk, etc.) but we're getting close to that line set by the 'powers that be' that we can't cross.
We need to bring it back to discussion of points... speaking of which, I'll be the first to mention that points cards aren't for everybody - I personally like cash rewards better myself.
I do have the PRG, but I don't have it for rewards purposes (although I'm not giving my MR points away... LOL). I much prefer the simplicity of the BCP and my other cash earning cards. I have an account set aside just for my cash rewards, that way when the time is right they are all in one place for me to spend.
That being said, the 'road warriors' and people who travel for pleasure seem to get excellent value from the various 'points' cards.
edit: can't spell today
But...but...but....Consitituional Law is my speciality
I do need to add re: driving vs flying. Perhaps cops can't legally violate your rights, but if you think they DON'T violate rights, you're not paying attention.
(To bring it back on-topic)
Which is why it's better to carry cards over cash...at least for now.
@Anonymous wrote:
@UncleB wrote:Friendly reminder... I personally love this stuff (Constitution talk, etc.) but we're getting close to that line set by the 'powers that be' that we can't cross.
We need to bring it back to discussion of points... speaking of which, I'll be the first to mention that points cards aren't for everybody - I personally like cash rewards better myself.
I do have the PRG, but I don't have it for rewards purposes (although I'm not giving my MR points away... LOL). I much prefer the simplicity of the BCP and my other cash earning cards. I have an account set aside just for my cash rewards, that way when the time is right they are all in one place for me to spend.
That being said, the 'road warriors' and people who travel for pleasure seem to get excellent value from the various 'points' cards.
edit: can't spell today
But...but...but....Consitituional Law is my speciality
I do need to add re: driving vs flying. Perhaps cops can't legally violate your rights, but if you think they DON'T violate rights, you're not paying attention.
(To bring it back on-topic)
Which is why it's better to carry cards over cash...at least for now.
Spelling isn't though...
Topic:
Points and cash back chasing get some in a lot of trouble... Me? I'm just saying more more more!!!