> During the early part of the pandemic when points were not usable, we converted them to cash or credited them to existing expenses (the card gave a 25% bonus

> During the early part of the pandemic when points were not usable, we converted them to cash or credited them to existing expenses (the card gave a 25% bonus to use this feature). Man this was one of the biggest silver linings on the pandemic. Chase allowed groceries and home improvement purchases to be paid for with points. 1.5x redemption. Paid for all the materials for my home renovation with them.