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[quote=Anonymous][quote=Anonymous]OP, I gave up my chase sapphire after several years of accumulating points but never being able to find any of these amazing rewards flights or hotel stays people boasts about. I always found the available reward travel to be the equivalent of cashing out the points and buying a comparable flight directly. What people aren't honest about are the taxes and fees, so when they say they flew to Paris in business on points, they aren't telling you they also paid $1k in taxes and fees along with the points. I'm not interested in paying 1k + whatever points for a flight I can buy for 600 in economy as it doesn't get you there quicker.

However, the points are free money. I ended up cashing out all our points for a few thousand dollars. Cancelled the chase cards and signed up for two different credit cards:

Amazon Prime visa for 5% cash back on all Amazon purchases including at Whole Foods. Given that we do most of our grocery shopping at Whole Foods, this was a no brainer especially on top of the regular prime discounts and sales at the store.

For all non WF / Amazon purchases, I use a Fidelity 2% cash back card that funnels the cash back to a Fidelity money market account.

Both cards do not have a yearly fee.

Once I realized I should get the credit card that worked with my lifestyle, the answer became quite clear. The travel reward cards are not ideal for most people, including me.

Suggest you do the same. [/quote]

OP here thank you so much for sharing your experience. I am start to feel the same as you once did. As others have said it seems like points are better suited for those who are flexible. [/quote]

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