I'm pondering paying at least part of my son's college tuition with my Bonvoy card. But the charge for using a credit card is 2.85% which has scared me away from doing this in the past. Is there an amount where it would be worth it for the points. For example is it worth a $285 charge for 10,000 points? I'm wondering if anyone has figured out a good way to value points, anything out there?