So let's talk about Citi thank you points because they're really interesting. So first off, there's some bad ways to redeem them. If you redeem them as statement credits, you can get one cent. So it's not the worst, but I think transferable points are more valuable. But if you wanted to play this whole game with cash back, just assume every point is worth one penny.

You can get one penny as a statement credit, or you can get one penny in the travel portal, or you can get one penny buying gift cards and some merchandise. But at the end of the day, I would always encourage you for the same rate of return. Get the cash, get the statement credit, pay off your balance, and then use the money saved and go buy travel with the airlines directly.

Earn points on that travel by using the Citi premier card. Go buy gift cards somewhere else. Go buy merchandise somewhere else. So I would not use my Citi thank you points for anything other than statement credits or what I think is the best use, which is transferring them to airlines and hotels.