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Old Nov 18, 2018, 2:36 pm
  #398  
ralphs
 
Join Date: Sep 2011
Location: SNA
Programs: AA EXP, Hilton Diamond, Hyatt Globalist, IHG Plat, Marriott Gold, National EE
Posts: 1,202
Originally Posted by Superorb
Premium card essentially has a $0 fee if you do any kind of traveling thanks to the annual credit.
I discount the value of the credit due to the hassle in redeeming for it. For example, I bought wi-fi twice in the last month on AA flights (viasat) and there wasn't any automatic reimbursement. I mentally value the hassle of calling in at like $20 per call. I don't have auto-reimbursed inflight incidentals such as food/drink/baggage because of AA EXP status either.

Easy credits like the Citi Prestige or Chase Sapphire Reserve I would agree with valuing at full face or near-face value, those take care of themselves very quickly compared to BofA PR.

Perhaps there is an easier way to get the credits manually reimbursed that I haven't figured out?
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