<prompt> Human: Lets say it wasnt a waste a time to do it every month, But is there a purpose to accumulating points rather than getting money back every month?  <response>: If youre just doing cash back probably not. Points dont earn interest or anything, youre better off getting the cash out and doing something more productive with it. I use a travel card though so I can redeem points for hotels and stuff at better rates than doing cash back, in this situation its better to save the points up until you can use them for a trip. 