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Only if you have a special promo (most you just need to use 1 pt). Otherwise you’re better off redeeming for cash (or statement credit), if not something better. If it’s 1pt for $0.01 and you can redeem for cash at the same rate, the latter gets you more since you can use your card for the purchase to get more points and use the cash to pay off the card.

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Not Unless it is a prime card or has a promotion for redemption (eg. 40% of purchase). Even in later case redeem the minimum number of points like 100.

Nope. Every penny goes right back to my card.

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