Comment by JamesSwift
13 hours ago
> Money is fungible and instantly redeeming rewards for a statement credit is almost always the optimal way to use credit card rewards.
Uhh I have no credit cards where redeeming for credit is the optimal play. Every single one has 'offers' that give a further multiplier on the dollar amount of the points. Eg redeem $80 of points for a $100 home depot gift card.
If you use it, that's great. If you don't use the gift card, then cash is obviously better