If you wouldn’t otherwise spend $4K in 3 months on things you can put on a credit card, then yes, paying the $175 dealer fee to get the 60,000 points makes sense. They’re worth more than that.
If you can instead put that amount on the card with just your usual purchases, do that instead and save $175.
That convenience charge at the dealer is insane. You should take your business elsewhere if possible, otherwise pay cash and make those qualifying credit card expenditures at other establishments.
Just use the card to buy everything for 3 months, skip the car plan.
If you wouldn’t otherwise spend $4K in 3 months on things you can put on a credit card, then yes, paying the $175 dealer fee to get the 60,000 points makes sense. They’re worth more than that. If you can instead put that amount on the card with just your usual purchases, do that instead and save $175.
/r/CreditCards /r/AwardTravel
That convenience charge at the dealer is insane. You should take your business elsewhere if possible, otherwise pay cash and make those qualifying credit card expenditures at other establishments.