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Have You Ever Used Credit Card Rewards Points For Hotel Stays?

We recently spent a few hours trying to decide how to spend our credit card rewards points on a hotel stay on the east coast of Australia. Something about using rewards points brings out the worst in us – we want to get the best possible value for our "money"; after all, it's taken a lot of spending to get us those points.

But we're also never quite sure if it's worth it to deplete more than half of our points on a hotel stay. Would buying two iPods be better? Or a Best Buy gift card and some airlines miles?

Aside from shopper indecision, our particular credit card rewards program offers a choice. You can buy a gift voucher for a hotel (in various denominations like $50, $150 and $200) or you can buy a night at the hotel. Choices, choices.

What would you do?

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