Originally Posted by horseymen

You are showing a good understanding of opportunity cost - something I preach about endlessly - and if you read enough posts, or I'm bored enough to start posting tonight, you may get another batch..

But, at least in regard to hotel points, I would argue the 6x Hilton Grocery through Amex is close to a 2.5-3% cash back equivalency - throw in efficient use of using them (Wrestlemania, hotels near football games/sporting events) - and they are an incredibly powerful currency to have.

But I'm strongly on team cashback. I got banned from a major Facebook group for telling people how much their "free" points really cost, and how sometimes they would have been better off paying cash, but ultimately that doesn't sell credit card links, so what can ya do?