Kristi Sullivan, a Denver-based certified financial planner, thinks an arrangement like Cenatiempo’s is fair.
“You could have used those points for something else,” Sullivan said, citing how every room or flight you get for “free” via points means you’re trading off another way to redeem those rewards.
“People don’t think of credit card points as a currency because there isn’t a set value you can assign to them,” Sullivan said. “With currencies, you know what they’re worth. With points, it’s anyone’s guess.”