Originally Posted by
Voodoo Daddy
This is all true, but time value of money is a real thing. I can get the cash now, or wait for a possible redemption I like in the future, keeping in mind that Choice bounces between third and fourth on my chain preference
Here's the other part that skews my redemption rate thinking. I've got seven figures worth of points. It feels too risky to load up on more points for some future use even if the rate of redemption is slightly better.