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Do we overrate travel credits on high annual fee credit cards?
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<p>[QUOTE="Josh F, post: 808366, member: 96"]</p><p>I think it comes down to what you use the $$ for.</p><p></p><p>For example, I always use the travel credits at something that gets me basically the full cash value in my book, so I consider that an offset against the annual fee. Here's some typical usages for me:</p><p>CSR for Rental Cars (I'd be paying by credit no matter what here)</p><p>Amex PRG for Amazon MPX (I'd be spending that $$ at Amazon no matter what - Opportunity Cost is fairly negligible here too - 5X UR)</p><p></p><p>On the other hand, if you use the credits on things you'd never spend cash for OR would typically use points for at a much better value, then I'd agree you're not getting the full value of the offset.</p><p>[/QUOTE]</p>
[QUOTE="Josh F, post: 808366, member: 96"] I think it comes down to what you use the $$ for. For example, I always use the travel credits at something that gets me basically the full cash value in my book, so I consider that an offset against the annual fee. Here's some typical usages for me: CSR for Rental Cars (I'd be paying by credit no matter what here) Amex PRG for Amazon MPX (I'd be spending that $$ at Amazon no matter what - Opportunity Cost is fairly negligible here too - 5X UR) On the other hand, if you use the credits on things you'd never spend cash for OR would typically use points for at a much better value, then I'd agree you're not getting the full value of the offset. [/QUOTE]
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What is the greatest credit card of all time, with 2x on Dining and Travel? (from Chase)
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