Use reward points to pay credit card
The interest you build up on the amount you dont pay at the end of the month usually outweighs the benefit of the rewards.
5 Other charities are able to trade the rewards points for a cash amount and apply the money how they see fit.
If youre hoarding points with only a vague notion that youll take a dream trip in a year or two, using your points to pay down debt might be a no-brainer.
Each credit card will have its own rewards policies, so you should check with several companies.