The 2.49% fee charged is consider a business expense if paying business tax and thus a write off and since miles aren't taxed by the IRS you are fee to use your miles for personal travel. Thus depending on what tax bracket your in minus that amount from the cost of your miles... Make sense?
Originally Posted by dhuey
Yes, the consensus here is that paying retail (about 2.6 cpm) only makes sense when you're trying to top off a balance to get to an award level.