Drury Gold is the tenth largest hotel chain in the world and has a total of 3 brands in its portfolio, which span more than 150 properties in 1 country. These hotel and resort brands have distinct amenities and services that fit the preferences and budget levels of different types of travelers.
The difference between cash back and points is that the former is the most versatile type of credit card rewards, as it can be redeemed for anything, and there’s never any doubt about how much it’s worth. Points, on the other hand, have a value set by the credit card company and tend to be worth the most when redeemed for travel. Credit card companies won’t always clearly disclose points values, and those values can change over time. It’s possible that points could be worth 1 cent apiece one day and 0.8 cents each the next.… read full answer
You can spend points for many different things. Usually, you can trade them for travel, gift cards, unique experiences, charitable donations or even cash. There are no restrictions on what you can use cash for. You can typically redeem cash back for a statement credit, paper check, or direct deposit to a bank account. One thing credit card shoppers should watch out for are cards advertised as offering cash back that really provide points. For example, the Chase Freedom Flex℠ offers “5% cash back” in certain bonus categories. But what it actually gives is 5 Chase Ultimate Rewards points per $1, which cardholders can then trade for cash back at a rate of 1 cent each.
Earning rate: Usually at least 1% cash back or 1 point per $1 spent.
Devaluation: Points can be devalued by the issuer, while cash back can’t.
Redemption options: Statement credit, check or deposit for cash. Travel, merchandise, gift cards, cash and more for points.
When it’s the best choice: Points for frequent travelers. Cash back for everyone else.
Let’s take a look at two high-profile cards in a battle of cash back vs. points.
Citi Double Cash Card tops the cash back offerings with 2% cash back on all purchases and an introductory APR of 0% for 18 months on balance transfers, with a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. It also chases a $0 annual fee and requires good credit to get.
But if you’re a frequent traveler, Chase Sapphire Preferred is a more attractive option. It gives 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases. It has an initial bonus of 60,000 points for spending $4,000 in the first 3 months. This card’s points are worth 1 cent each toward cash back or gift cards or 1.25 cents each toward travel. There’s a $95 annual fee and the card requires good credit.
For both cash back and points cards, you can expect to lose your rewards if your account closes for any reason. Most cards don’t let your rewards expire over time. But Citi Double Cash Card’s cash back expires if you don’t use your card for 12 months. And on points cards alone, your points can be devalued if the issuer decides to charge more points for its rewards. So, frequent redemption is essential.
So, the bottom line is that frequent travelers should check out points cards. Otherwise, cash is king.
Drury points expire after 18 months with no account activity, at which point your membership will also be terminated. Even before then, after 12 months with no account activity, the Drury Rewards account will be put on inactive status, and you won’t be eligible for program benefits. To prevent Drury points from expiring, redeem your points on a regular basis and make sure to cash in any unredeemed rewards before closing your account.… read full answer
When Drury points will expire:
After 18 months* without account activity.
When you or Drury closes the account.
Even though Drury points expire only in these select situations, it’s still a good idea to avoid building up a big Drury rewards balance because that would make you more vulnerable to rewards devaluation.
If you’re trying to choose a hotel rewards program and are concerned about rewards expiration policies, you can see how the Drury points expiration policy compares to other popular companies’ policies in the table below.
Drury points are worth 1.04 cents each, on average. That means 10,000 Drury points have a value of about $104. Plus, Drury points are a bit more valuable than the average hotel points, which are worth roughly 0.95 cents each.
It's important to remember that the value of Drury points depends on how they are redeemed. They have the most value when used for Drury Gold Key hotel reservations. You can easily calculate the value of Drury points for any redemption method, though.… read full answer
How to Earn More Drury Points
One of the best ways to increase the number of Drury points that you earn is to apply for a Drury credit card. That can also help you reach a higher status tier in the Drury Gold Key, further boosting your earning potential.
The easiest way to calculate the value of Drury points is to determine the dollar value of what you're redeeming for, minus any taxes and fees that you'll still have to pay, and then divide that amount by the number of points you're required to redeem. For your convenience, here's the formula:
Dollar Value of Redemption Item / Number of Drury Points Needed = Drury Point Value
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