Yeah. I think somebody else ought to be the judge. How about ... me? Really though, I think Jim's response (see above) was spot on. We were both trying to hone in on effective rewards strategies, and I make a blooper in responding to him. I agree with his bottom line, that a case can be made for either approach.Gee... I didn't know it was a contest. And even more, that you were the judge.
I think the fact remains that unless you can get more than 2.5 cents per point on MRP redemption, a 2.5% cash back award card is better than earning a paltry 1 point per dollar on the Marriott Chase card. Earning 3 or 5 points per dollar for Marriott purchases is a no brainer.