Originally Posted by
FlyingExplorer
Citi Hilton HHonors Reserve (Visa Signature): 10X @ Hilton, no forex, => 4% return
Citi Hilton HHonors Visa Signature (Visa Signature): 6X @ Hilton, 3% forex => -1.6% return
CSP: 2.14X @ Hilton, 0% forex, => 4.28% return
Assumed values:
2cents/1UR
0.4 cents/1HH
Assume different point values and change the math accordingly. Something else to keep in mind is that UR points can be manufactured more cheaply than HH points.
Note that both the "HHonors Reserve" and the "HHonors Visa Signature" are Visa Signature CCs.
Excellent analysis. Also, beware of Dynamic Currency Conversion (DCC) offered by merchants abroad. We always decline DCC but found some merchants converting the purchase price or car rental without asking.