Except you don't get “free” $$$ for things you have to spend anyway... You get points you can use for vacation or travel. If you NEED to vacation or travel, i

Except you don't get “free” $$$ for things you have to spend anyway... You get points you can use for vacation or travel. If you NEED to vacation or travel, it IS simply a smart transaction. But if you weren't spending money on travel before than it can still result in increased expenditure even if managed perfectly.