Worth paying on credit card when there's an extra fee?

[lovetravellingoz]

my question is whether the extra 18 points is worth the extra 53 cents?

So ignoring a lot of earlier posts which went off-topic.

That is 2.94 cents per point.

As others have said it depends on how YOU are going to use the points.

* Economy redemptions will not achieve that = loss

* J/F can on the right airline be had for less than the point cost. Ditto for upgrades.
* However if you purely look at buying points then US Airways may be a better move.
( ie people on this forum report buying points for about $2k to gain a J to Europe. At 2.94 cents per point that will cost you $4-7 K depending on program and redemption).


* If it helps to top up other "free" points to gain an award then then that may be most useful to you.

Personally I am wary of claiming very high points per $ values on award redemptions as:

1/ If I actually had to buy the J/F flight I would look around and purchase a cheaper J/F most likely on a different airline.
Awards redemptions are highly restricted flights, and so comparing them to full-priced unrestricted ticket prices is IMO flawed thinking.

2/ There are from time to times various means of buying points on BMI (soon to go), AA, US Airways etc to deliver J/F travel at economy like prices.

my question is whether the extra 18 points is worth the extra 53 cents?

Not to me, as I can garner more points than I can use at a much lower cost.

 

[Rebekkap]

So ignoring a lot of earlier posts which went off-topic.

That is 2.94 cents per point.

As others have said it depends on how YOU are going to use the points.

* Economy redemptions will not achieve that = loss

* J/F can on the right airline be had for less than the point cost. Ditto for upgrades.
* However if you purely look at buying points then US Airways may be a better move.
( ie people on this forum report buying points for about $2k to gain a J to Europe. At 2.94 cents per point that will cost you $4-7 K depending on program and redemption).

I use my points to upgrade from discount economy to business, generally. Haven't used points for anything else in years, and the majority of my points are from credit cards - I don't get points for work travel, which is the vast majority of my travel.

 

[Daggs01]

More importantly 4.4% for Amex is ridiculous, your gym are using a direct debit company which is charging at least 1.4% on top of their merchant fee for Amex.

Tell your gym to go to their bank and use their dd facilities and not some 3rd party provider.

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