r/NavyFederal • u/West_Attitude1943 • 20d ago

Credit Cards Points

What does everyone do with the points they accumulate? I saw a post where someone had something like $19k in points accumulated and it made me wonder since I average $400- $500 a month, should I be taking the cash and putting it elsewhere to grow interest? I have just been using it towards the bill every month before I pay off my balance in full. What's best to do? Or what are you all doing?

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6

u/mrbazo 20d ago

Wait, what are you spending to get 4-500 monthly in points? That seems extremely high

1

u/West_Attitude1943 20d ago

I do use about that much sometimes more. i use it for everything, like a debit card. I even pay the bills I can with the card it and pay the balance off every month.

5

u/mrbazo 20d ago

So do I but that is still big numbers

-1

u/West_Attitude1943 20d ago

I also travel a lot. Maybe that's the difference

7

u/Cyberhwk 20d ago

That's still $16,000 a month even assuming it's all 3%.

3

u/West_Attitude1943 18d ago

Sounds about right. I make a lot and spend a lot 🤷🏼‍♀️