Chase sapphire preferred: which one is better? Should I book travel through chase (gets 5x points) or should I just redeem my point? I’m new to understanding all benefits and wanting to scope out which one might be better in the long run. Chase has a great 1.25 ratio for points under travel and redeeming money so it seems counterintuitive to not use them. Thanks!!

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Depends on your preferences. I prefer to save up the points for business class trips to Europe.

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It’s essentially the same since you’re spending one and saving the other. Im currently saving points for something bigger or when i otherwise wouldn’t want to spend the money on a trip.

I’ve found ultimate rewards isn’t always the cheapest option, but if it’s work travel get that 5X

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