Value/Worth are funny terms. They're different for everyone.
I personally don't redeem CO miles under about 1.9 cpm and SPG under about 2.3, so I guess that's my own value.
That would make 1 SPG=1.21 CO
$20 would give 32x1.9=$0.608 on Freedom or 20x2.3=$0.46 on SPG.
The cutoff would thus be at $90 which would give 109x1.9=$2.071 on Freedom or 90x2.3=$2.07 on SPG.
I guess I should really be using Freedom way more often!
So
Freedom (with Chase Checking only)-Purchases under $90 that are not dining/airfare/hotels.
-Purchases that won't take AMEX that are not dining/airfare/hotels.
-Purchases (up to $1,500/quarter) in a 5% rotating category after registering online!
(For 2011 these categories are:
Q1: Grocery Stores, Drugstores
Q2: Home Improvement, Lawn and Garden, Home Furnishings
Q3: Gas, Hotels, Airlines
Q4: Dining, Department Stores, Movies, Charity)
Sapphire Preferred:-All dining, airfare (except Airtran), and hotels (except SPG, Hyatt, and select Marriott chains).
Be sure to check if those are included in the Freedom categories first though.-FOREX transactions.
SPG (Consumer or business):-Purchases over $90, spending at SPG, or items that may need to be disputed, returned, or warrantied, go on SPG.
-SPG Business:-Purchases at
Open Savings partners go on SPG Business (HP, Airtran, B&N, Microsoft, Office Max, Fedex, Hertz, Hyatt, Flowers.com, and select Marriott brands)
CO/UA:-Car rentals outside Israel.
Any WMC besides CO/UA:-Car rentals in Israel.
Make sense?