Sorry if this is the wrong bowl - but CSR credit card holders how do you guys spend your points?

I’ve accumulated over 100k and not sure how to best use them. I read that I shouldn’t use it to pay down balances but it’s mighty tempting…

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During covid I was doing the pay yourself back at 1.5 redemption rates. Similar bonus w travel redemptions. 🤷‍♀️

likehelpful

Me too!! And then spent most of the money I "saved" on an Hermes bag! Boom!

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I immediately use the pay yourself back every month. Essentially gives you 4.5% cash back

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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.

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Buy apple products with it

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