Originally Posted by schley

I think the masses have spoken. My opinion is no different. Have enough for a trip or two in the bank but more than that and you are putting yourself at risk of mile/point devaluation as there is quite a bit of inflation in this game.

I love the advice given in that you can use points now, which will devalue over time and save the cash you would spend which would gain value in interest. You are saving two ways. I would only advocate this when you have huge balances as you have.

2.5 million spg points is a cat 3 for a year.