Where do you use credit card points?

Use cash. Cash is 30% off if you own a business.

Amex points for hotels, everything else towards clothes/food

Flight bookings

I only use direct cashback. No rewards points bullshit

Cashbacks 💸 💰

Indulgences - 5* hotels stays/dining/spa/bar It's a reward, treat it as one 😋

I have a good basic credit card which gives me statement credits. I redeem my milestone spends for Amazon/Flipkart vouchers.

Flights