conversation: User (isuckatSUA2016): "I just received my chase sapphire preferred card.  I need to rack up $4000 in purchases within 3 months to get 50,000 bonus points (ROUGHLY $625 in travel credit I will use for a future planned trip).  It is a no brainer to use this card to pay rent because I will receive more value in points than what I am spending.\n\nHowever, after I cash in on this, I only get 1 pt for every dollar spent.  I do travel often, which is why I got the CSP card.  I just want to know if financially, it is smarter to pay an extra $44 a month to rack up credit card points for use in travel in the future.  \n\nedit: rent is $1600/month, fee is $44.  I plan to stay in this apartment for 16 months before looking to purchase a home."
  Self: "I would only do it for two months, if at all, depending on your monthly expenses you could probably spend the other $800 on things like utilities, food, etc  You would only have to spend $267 per month over 3 months in addition to your 2 months of rent on the card to hit $4000.  After that it just doesn't make sense to keep charging rent on your card, as $44 on 1600 is 2.75% and your rewards in cash are only 1%.\n\nCheck out /r/churning as there better and cheaper ways to spend $4000 in 3 months."
  