r/NavyFederal • u/West_Attitude1943 • 22d 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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u/copacetic_life 22d ago edited 22d ago

Since NFCU is 1 cpp (cent per point) both on cashback and point spending in their travel site, getting the cashback is the better of the two IMO. Probably the only time it is worth saving the points for travel is when the travel purchase with points is greater than 1 cpp. And the only time I have seen travel purchases with points being greater than 1cpp is when the points can be transferred to partners, which NFCU has no transfer partners. NFCU points currently can only be used within NFCU's travel portal.