Your Points Are Worth Less Than You Think

Devaluation happens quietly. Here is the actual dollar value of a "point" across major chains.

ChainEffective Return Rate
Starbucks~4.5%
Chick-fil-A~8.0%
Chipotle~6.1%

Point Value Extractor

FAQ

Should I hoard points?
No. Points do not accrue interest and companies devalue them regularly.

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