It started with Chase PYB, but I have decided to go all in on using rewards for home improvement projects. With next year's Hawaii and Universal trips flights and hotels covered with SW and Hilton points I figured I may as well just use the points. Today I redeemed Capital One Venture Miles for my local home improvement store, Menards, at 1ccp. So $500 for DH and me. I'll charge $130 of meals next week on vacation and use the final $130 worth of miles. Today we will go to Home Depot and see if we can find some flooring there that we like and if we do I'll use 300,000 MR for Home Depot Virtual Gift Cards. I know it's not as exciting as the Charles Schwab cashout at 1.25, but with only 150,000 MRs each and paying the annual fee on the Charles Schwab I just don't feel like going that route. My original plan was to pay for materials with my Gold that has the elevated 3x offer, but then we decided to redo the flooring in the main areas of the house and a bathroom. So this way I should be able to do both of those projects with no OOP.
So $4000 should cover all but $1000 or so in materials and I'll have $8000 in PYB for labor. That should be only be max $3-4k so I should have some PYB left over.
I'd say it's time to replenish my stash, but like
@Haley R I'm going through a bit of a bad time with approvals as well. Both DH and I were denied for Chase biz in the past month. His was for biz structure and mine was for too many open accounts opened in the past year. Hard to argue with that one.
I'll figure something out though.