697 plus charges).
Though if you are comparing like with like, or paid Y with redeemed Y.
$1200 v 95,000 points plus taxes/charges.
At 2.2% 95,000 points = at 2 points per $ spent (and can be at 3) that is $47,500 by 2.2% = $1045 plus charges.( Or $ 697 plus charges).
So you would not be going twice, just the once. Possibly not on as nice an airline. and if you redeem for a peak travel period the paid Y would cost more.
i think that poits for free is agiven as we would all take those rgardless. Points upto 1 % surcharge again I think virtually all would take.
Upto 2% surcharge I personally would still do as I mainly redeem in J or above. But Y is still ok at that figure.
Above 2% I would have to think about it, and as I earn a goodly amount of points in total anyway I mainly would not do.
3% would virtually always be a no for me.
