So I'm about to take the plunge and buy a ring for my girl. I was wondering people's experiences with using credit cards (prob amex PRG for consumer protection and contributing to $30k spend) vs cash discount? I hear from a lot of folks that cash discount supersedes any bonuses from credit cards. Wondering if this is true? The ring is going to be in the $10-15k range, so its a lot of points. I could even do blue nile for 6x UR pts with Chase. Unfortunately online shopping takes away a lot of my bargaining power on the purchase price. Anybody have any thoughts or care to share experiences?