Originally Posted by Adelphos

For large purchases like computers, jewelry, etc, purchase protection, insurance, etc is well worth the relative loss of points.

A $10,000 watch, for example, earns 10,000 MR points, but you can earn 20,000 Thank You Points with Citi Double Cash. Is paying $150 or whatever you view the points difference worth it for purchase protection? I think so. Same thing with say a big home appliance purchase where you get an extra year of warranty.