A cash back reward is a reward for not behaving badly enough that your account gets closed (or the bank shuts down). If you want to get rid of all ability to co

A cash back reward is a reward for not behaving badly enough that your account gets closed (or the bank shuts down). If you want to get rid of all ability to consume things, you could stop working so you don't get paid. Actually, I think points are more like a savings account than a consumption reward, since the best deals are on international flights you have to save up a lot of points for…