Takeoff: A Points and Miles Podcast · Wednesday, July 15, 2026
While flexible bank points offer significant value, Bryce notes that their primary drawback is the learning curve involved in understanding their redemption options. He contrasts this with co-branded cards, which people often choose due to brand association rather than optimal value, missing out on better earning potential through transferable points.
“And I I feel like the first one here is really the biggest one and the reason why most people don't even think of these and that is learning curve.”
“But most people overlook these because they go to that immediate brand association of like, I often fly Delta, therefore I should get a credit card that says that name on it.”
“And they don't even realize that in a lot of these situations, if you really dive into the nuance, that the best card for one particular airline is often not that airline's card.”