Join Date: Nov 2005
Location: SIN / CNX / SFO
Programs: UA GS, SQ PPS, Hyatt Globalist, Marriott Titanium, Hilton Diamond, Accor Gold
Posts: 1,253
If you're in the position of carrying a balance such that APR comes into play, you're doing this game wrong... any rewards are always going to be worth less than what you pay in interest.