Originally Posted by
time_stamp
You are going to want the Schwab version of the Platinum card so you can cash out at 1.25cpp. You have more the $36K worth of points, the Schwab card is a no-brainer for you.
Is this a cash back option? While I only have about a third of the points of the OP, I question whether I'll be able to use them within the next few years and wouldn't mind considering a cash out of ca. $10k. How does the Scwhab card work? I have a Schwab account but don't keep a substantial balance in it (I opened it because it was the best option for a large forex transfer a while back).