economy

January 31, 2026

Use up your credit card points now, expert says—no matter if a 10% interest rate cap is enacted

You may want to spend your credit card points now, expert says — but not because of the potential for a 10% interest rate cap.

Use up your credit card points now, expert says—no matter if a 10% interest rate cap is enacted

TL;DR

  • President Trump's proposal for a 10% credit card interest rate cap could change how credit card points are valued.
  • Experts advise spending credit card points now due to potential policy changes by issuers.
  • Reward programs may adjust point values or perks to offset reduced revenue from interest rate caps.
  • Points lose value over time as inflation rises.
  • Credit card reward programs can alter redemption policies without advance notice.
  • It is advisable to use points for planned benefits sooner rather than later.
  • The optimal number of points to hold varies by individual travel frequency and redemption opportunities.
  • Points can be used for future travel, and rebooking may be possible if prices drop.

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