CNBC Points Pro: Are credit card rewards worth it if you pay a surcharge?

Welcome to the Points Pro, where I answer your credit cards and travel rewards questions each week. If you have a question you'd like answered, you can submit it here . This week, CNBC lead reporter Jasmin asks: Are credit card rewards worth it if you're getting hit with a 3% surcharge on a big purchase? ( This question has been edited for clarity and brevity. …