<prompt> Human: I have been building up my cash back rewards on my card but recently realized that isnt helping me in any way really. I was just curious how often people are redeeming.  <response>: As often as I am allowed to per the account rules, unless there is a financial incentive to hold onto points. Some banks offer increased value for holding onto points and redeeming them for a larger amount. I hold and build these up for max value and then redeem.Other banks give you a fixed value for them. I redeem these ASAP.Remember, if you cancel your card or your account gets closed, you lose your points. So, there is a small risk in holding a large amount of points that you could never get to redeem them. 