I have a lot of CSR points right now. Why should I not use them for the Pay Yourself Back? Can I actually redeem for more value on something else? I’m trying to understand TPG, but it’s not super clear.

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Pay yourself back and travel are your best value, usually. (1.5cents vs airline miles that are often <1cent)

M1 is right although if you have a big trip coming up then I would search individual airline and hotel sites to pay for points. Often you’ll find a $900 intl flight for 50k points which is a great value and better than you’d get on the chase portal. For domestic, I find that southwest points are usually better value than via chase.

Yes agreed. Marriott is generally a rip off to transfer but others have good value

Best value for transferable miles is to use for international first/business class award redemptions. In the case of CSR, transferring to virgin Atlantic for travel in first/business on ANA to Japan (outstanding value), but there would be other great options. (Yes, I know, pandemic/travel restrictions... but answering the question)

Additional data point to p1’s (50k for a $900 ticket). 90k virgin Atlantic points will get roundtrip US-Japan in biz class on ANA.

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