2% cash back feels like winning.
It is the floor.
- ✓A two-minute read.
- ✓Plain words, no program jargon.
- ✓What the desk does about it.
Cash back is simple and safe, and often the least valuable use of a point you already earned, est.
Every loyalty program. One desk to rule them all.Illustrative examples: owners and conversations are fictional, figures are estimates. Not affiliated with, endorsed or sponsored by any bank, airline or hotel program. Program names and logos are trademarks of their owners, shown for identification only. Important information
The note,
in four points.
A statement credit is the floor
50,000 points as a statement credit come to about $500. Moved to a travel partner for a trip you wanted anyway, they can be worth more, est.
Simple is a design choice
Cash back keeps the transfer partners out of sight. If you never learn that points can move to airline and hotel programs, you keep taking the floor.
The gap adds up
A business spending $60,000 a year at 2% gets about $1,200. Routed and redeemed with a plan, the same spend can be worth more in travel, est. Sometimes it is not, and the desk says so.
Cash back still has a place
If you will never travel or your spend is small, a flat 2% card is a fine answer. That is why the desk compares against it every month.
Know it.
Then hand it off.
Measured against flat 2%, every month
The Friday scorecard puts your month next to a flat 2% card, after the $550 fee, so you can see whether the desk is earning its keep.
- What did your last redemption come to, in cents per point?
- Do you redeem as statement credit by default?
- Would a trip you already plan to take use those points better?