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Thread: Points vs $
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Old Oct 23, 2010 | 8:40 pm
  #20  
ffI
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Originally Posted by Ispolkom
Why does it have to be one or the other? Other cards come out of the desk drawer when depending on the situation. Miles are good, cash is good. I think I derive some benefit from diversification
I agree. There is always an opportunity cost in miles. Any SPG is worth 2c, as we can get 2% back from Fidelity Amex. But, if you have a citi that gives 75k for 750$ spend, then the Citi is worth 100% cash back! So use the Citi till 750$, then go back to SPG.

DL reserve is worth 3-5% in value for the first 60k. then it drops down You can get 5% cash back from other cards.
My rule is for 2% vs SPG - I go with SPG. For 3% I am not sure, but for 4-5%, go with the other card.
Lastly sign up promos and double promos are always good. Use them first.
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