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Well, that what my Fidelity does - points I can deposit as cash into the IRA or Fidelity checking. I guess I was unclear in what I define as points :)

I asked because I'm not a fan of miles cards but I made an exception with the barclaycard. I could covert every 10,000 miles into a $100 credit towards any travel expenses. There was a 40,000 mile bonus for getting the card so I converted all the bonus into a $400 credit towards my airline tickets.

I think a lot of people would quickly sign up for a $400 cash back signing bonus but some people wouldn't look at the terms of a 40,000 mile bonus and realize its a cash bonus if used correctly.

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