From Fortune:

Credit card rewards can be a valuable resource, but navigating them can be a complex process. To maximize rewards and save over $1,000 on a trip, one traveler moved points between credit card accounts, cross-checked travel portal prices, applied for a Marriott Bonvoy card, and made strategic spending decisions. The process was time-consuming but ultimately saved money.

Wondering if AI could simplify the management of credit card rewards, the traveler tested OpenAI’s ChatGPT to see if it could provide advice on spending points, suggest which card to use for travel categories, and offer guidance on booking a vacation based on current card holdings. The algorithm showed promise in some areas, such as providing value estimates for various points.

ChatGPT demonstrated its knowledge of credit card rewards by advising on the best way to spend Chase Ultimate Rewards points, but struggled when asked which card to use for hotel stays. It was more successful in estimating the value of credit card points and offering suggestions on how to redeem them for maximum value. While the AI didn’t provide a clear comparison of two distinct rewards cards, its ability to offer insights on individual options was still helpful.



Read more: Can AI help maximize your credit card rewards? We turned to Chat GPT to find out.