Can someone please check my math/reasoning please? I booked 3 nights via the UR portal at the HRH for this June, at a cost of $2,449 or 163,277 UR's on DH's CSR. There's an AP rate available for the HRH directly through the hotel for the same 3 nights for $1,784 total. Because I can use PYB on grocery/gas purchases on DH's CSR thru 3/31, I think if I use the AP rate I'm better off ($1,784 = 142,687 UR's at 1.25) minus original booking 163,277 means of savings of 20,590 UR's.
Currently we only have $1,152 (92k UR's) of PYB transactions available, so we'll need to spend an additional $632 ($1,784 - $1,152) at gas/grocery stores in time to use PYB before it ends on 3/31.
Does that all sound correct? Also, just to verify, we don't really have a balance remaining on that card, so if we use PYB and end up with a credit balance, we can request a refund from Chase into our bank account, correct?
Thank you for anyone willing to go through all this math with me! I think it's worth it to save approx $205, but only if I'm thinking of everything correctly.