Regarding the chase United explorer card —- Maybe someone could help me with some advice. I got this United explorer card 11 months ago with the intention of getting the bonus (was 60k at the time, first year fee waived) and then cashing out somehow (through selling) and then downgrading or closing the card. I have now 65k points. I called up and 2 different reps confirmed with me that I can cash out my United points at a rate of 1.5 per point as a statement credit against previous charges. I would have to call up and redeem over the phone. So im thinking about cashing out and downgrading to the United gateways… the question is maybe I should keep this card/ the points. I’ve seen from different posts that United award flights could be helpful and the United points could come in handy….but I really don’t fly that often. Married for 4 years and flew Nyc-Miami 2x. If I keep the card I pay 95$ but maybe it’s worth it for the ability to book award flights (which I don’t have a clue how to do) the free bags/lounges and other perks etc and ….and 2 - maybe even if i downgrade to save the annual fee is it smart to cash out the points at 1.5 each? Or save them for flying? Which honestly who knows when the next time I get on a plane would be…..sorry for the long post and thanks for the help