does it make sense to stack all your earnings onto one specific chain? For me, I earn about 500k Marriott points a year without any cards and that's more than enough for me to redeem per year. Same with AA. That covers all my personal vacation travels per year. I'd rather diversify by using the Chase Reserve card and use those points for anything. I just redeemed a Herman Miller Aeron chair with points which I think is worth it. Just trying to understand the rationale, maybe I'm missing something...