Originally Posted by
Deltus
There's also the subjective emotional angle, where I like to think of TCB credit as a sort of discretionary bonus. I'd rather spend that on fun things like premium travel than letting it merge into my bank account or Amazon credit, where it would probably end up spent on batteries or USB cables...
Ultimately my Avios balance is such that I often end up redeeming some points for hotel stays, etc. which gives about 0.5p per point value. So buying at 0.8p doesn't work for me.
However a 10% discount on USB cables that I would otherwise be paying cash for at full price, is a legitimate saving.
I do understand that most people will be on the other side of this fence, however.