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  1. I have a fairly ample number of points on my Chase Quicken Visa (I crossed out Quicken because Chase has discontinued their relationship with them). Now that I'm thinking about it, it's actually the blue Chase "Freedom" Visa, which was substituted for the silver Chase "Quicken" Visa sometime earlier this year. Anyway, up until about a year ago, you could get a discount for air travel, e.g., you could redeem 25,000 points for $400 of travel (as opposed to getting $250 in cash). However, Chase unceremoniously changed the redemption rules, and now 25,000 points only gets you $250 of travel (as well as the option to get $250 in cash). You have to buy the travel through their own agents, so I don't think there are any discounts or transferable points. My question is the obvious one: Is there any reason *not* to take cash? If the answer is "no," then why do these credit cards offer *so many* different types of rewards, when the customers aren't getting any discounts for selecting them? Long-term agreements which they must honor? From what I see, it makes absolutely no sense not to take the cash, so what reasons are there, if any? Thanks a bunch in advance.
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