I have been thinking about applying for the Arrival card in my next churn. I may or may not end up using the points for actual travel. But I was wondering how to get the most out of my points if I wanted to cash out at the 1 cent per mile rate as opposed to the .5 cent per mile rate for non-travel related expenses. Here is what has run through my brain. Buy a fully refundable airline ticket and use points to pay for it. Cancel ticket and money gets credited to my account, use AP to cash out? Would this work? Anyone try anything similar. PM me if too sensitive to talk about on open forum. Thanks.