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Points redemption.

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Saleen099
Senior Contributor

Points redemption.

 My question is when do you start redeeming your points?  

Message 1 of 14
13 REPLIES 13
Anonymous
Not applicable

Re: Points redemption.


@Saleen099 wrote:

 My question is when do you start redeeming your points?  


Whenever you feel like itSmiley Tongue...

Message 2 of 14
Saleen099
Senior Contributor

Re: Points redemption.


@Anonymous wrote:

@Saleen099 wrote:

 My question is when do you start redeeming your points?  


Whenever you feel like itSmiley Tongue...


 You're right I just need to stop hoarding all my points and start using them. Bad Long-Term Investment

Message 3 of 14
Anonymous
Not applicable

Re: Points redemption.


@Saleen099 wrote:

@Anonymous wrote:

@Saleen099 wrote:

 My question is when do you start redeeming your points?  


Whenever you feel like itSmiley Tongue...


 You're right I just need to stop hoarding all my points and start using them. Bad Long-Term Investment


It depends on the type of points, the card, and (in the case of travel) your plans.

 

It rarely makes sense to leave cash in the CC account.  Counter examples include Cash + where you want to redeem $100 the first time for a 25% bonus, Discover IT where you might be able to buy a gift card at a large discount and others)

 

On transfer cards, you may want to wait for a bonus (transfer X points to airline Y and get 20% extra) etc

Message 4 of 14
Saleen099
Senior Contributor

Re: Points redemption.


@Anonymous wrote:

@Saleen099 wrote:

@Anonymous wrote:

@Saleen099 wrote:

 My question is when do you start redeeming your points?  


Whenever you feel like itSmiley Tongue...


 You're right I just need to stop hoarding all my points and start using them. Bad Long-Term Investment


It depends on the type of points, the card, and (in the case of travel) your plans.

 

It rarely makes sense to leave cash in the CC account.  Counter examples include Cash + where you want to redeem $100 the first time for a 25% bonus, Discover IT where you might be able to buy a gift card at a large discount and others)

 

On transfer cards, you may want to wait for a bonus (transfer X points to airline Y and get 20% extra) etc


 Okay with that being said. Correct me if I'm wrong but you cannot combine Barclays arrival plus points with a Nother Barclays arrival plus account correct.   If not what is the best way of going about redeeming those points  before the new changes going effect?  

 

Another question I think I've already know the answer to it but you can't transfer Chase freedom points to an airline or hotel partner correct?  (Only Chase Sapphire preferred to do that).  

Message 5 of 14
Saleen099
Senior Contributor

Re: Points redemption.

Do the Chase freedom points have the same value as a Chase Sapphire preferred if you redeem through the ultimate rewards page?

Message 6 of 14
Anonymous
Not applicable

Re: Points redemption.


@Saleen099 wrote:

Do the Chase freedom points have the same value as a Chase Sapphire preferred if you redeem through the ultimate rewards page?


Both Freedom and CSP points are URs.   However, as you noted earlier, you can transfer to partners only with CSP.   Similarly CSP offers a special rate when using them to purchase travel via the Ultimate Rewards portal, Freedom doesn't.

Message 7 of 14
TRC_WA
Senior Contributor

Re: Points redemption.

I redeemed 8,000 SM points this morning for $80...

 

Could have let them sit for another week or two and redeemed $100... but why?  I've already let them sit past $25, $50 and $75 thresholds... LOL

FICO8 current as of : 2-1-26 EQ: 713 TU: 702 EX: 705
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 1
Verizon Visa $8500 Amex Delta Gold $10,000 Care Credit $18,000
NFCU CashRewards $13,500 Apple Card $7000 Best Buy $8000 Amazon $5000
STCU auto loan (2026 Hyundai Palisade Hybrid) 6.24%
HDFS motorcycle loan (2024 Harley Davidson Road Glide) 9.45%
Total CL: $70,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $257k
Last app: 1-31-26
Message 8 of 14
Anonymous
Not applicable

Re: Points redemption.

Whenever I have enough to make them have decent value. I ain't redeeming MR points for .6 cents a point...especially when they could be transferred to delta, and for only 42k points have a roundtrip flight to france....

Message 9 of 14
Anonymous
Not applicable

When you need 'em!   I save my MRs and when I reach 50,00...

When you need 'em!

 

I save my MRs and when I reach 50,000 points, I just think "Oh. I guess that means it's time for DH and I to take a vacation."

 

If I stay on the track I'm on, that'll be once a year. Not too shabby for free airfare!

 

Smiley Happy

Message 10 of 14
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