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Pro
During covid I was doing the pay yourself back at 1.5 redemption rates. Similar bonus w travel redemptions. 🤷♀️
Me too!! And then spent most of the money I "saved" on an Hermes bag! Boom!
I immediately use the pay yourself back every month. Essentially gives you 4.5% cash back
Bowl Leader
Transfers to Hyatt and certain airlines are the best value per point but if you don't have travel planned you have to weigh that against cash now. I believe there are still some pay yourself back bonuses that might give you a better value than 1 cent per point.
Buy apple products with it