Originally Posted by
RedSun
Then you do not use the points correctly. 3x, even at 0.8 cpp, still come to 2.4%. Higher than your 2% CB. Of course cash is more valuable. But still I do not understand why several of you still think 2% is better than 2.4%.
Errmmmm.. As you may have seen from my posts above, FREE cards like the citi Costco give you 3% back on travel and dining (note full 3% and not 3x crap points) . I have other cards I can use that get more than 3% on travel EASY. Why would I use a card that, in its best category, barely makes more than my 2% double cash? Much worse than my No AF cards (Costco card) . Let alone much worse than my travel cards.
So I'm definitely not using this card in its 3x category. It would be dumb to do so. I'm definitely not using this card in its 1x category.... That would be suicide. Even discover Debit card gives me more than this card does in its 1x category.