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Rising Star
Neither. Save them up, transfer to a Sapphire (or Ink Preferred). Redeem through a transfer partner like Hyatt. Very easy to blow through points, so even if you aren't traveling now, you'll thank yourself later.
Save for travel through transfer partners. Always.
I have a personal Sapphire Preferred Card so that is good to know. Thanks very much.
Transfer to Hyatt - usually the best bet. Feel free to DM if you have questions!