re: How much do you have built up in CC points/rewards?

As others have said, if you're just getting cash back, there is no financial reason to leave them on the card.

I got sign-on bonus a couple years ago with my Chase Sapphire with the intention of using the points for our 10-year anniversary this year. 130k points later and we're going to an all-inclusive resort in Punta Cana using only points. (Southwest flights are cheap at the right time of the year and Hyatt points are insanely valuable as a transfer partner...)