Originally Posted by
Need
I don't know if this was discussed already in this long thread, but Pay Yourself Back has better value than using the points at the Travel Portal.
+1
I think am getting a value of 1.57068 cents per point with PYB --
Let’s say I need to purchase $600 in groceries and $600 in travel.
The “old" way might be to purchase $600 in groceries with the CSR and redeem 40K UR for the $600 airline ticket. I’ve done something like this many times.
The great thing with PYB is that if I use the 40,000 UR with PYB to pay off the groceries and then use the CSR to purchase the $600 ticket at 3x, I earn 1800 UR.
So in this case the combined net spend is $600 for the ticket and 38,200 for the groceries.
So I got $600 of groceries for 38,200 UR = 1.57068 cents per UR
So this nets 4.71% return on 3x categories
and 7.88% return on 5x Ink office supply transferable UR, 5x Ink Shipping promo, etc
Is the math sound?