That's foolish having no plans to spend them. I'm not impressed with those balances. <slap hand on forehead> You should've gotten a 2% cashback card since you had no liquidation strategy. I would have big balances if I didn't spend them. If the wife hates to travel, I would definitely stay away from points and miles when playing this game. When I get these points, I have trips planned already with the exception of a small balance for family emergencies.