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Sure it is. Just redeem the points for cash back.
Absolutely. Why do you think you need more trips than that to use points?
Yes! I take 2 international trips each year, unfortunately during peak travel season. I’m able to use points to fully cover my flights and haven’t had to pay for them besides the $5-$40 fees. It saves me about $12k each year and gives me options with less connections that I wouldn’t fathom spending cash on. If you use hotels instead of Airbnbs, then you could get more benefits than I do.