Chart understanding presents a critical test to the reasoning capabilities of Vision-Language Models (VLMs). Prior approaches face critical limitations: some rely on external tools, making them brittle and constrained by a predefined toolkit, while others fine-tune specialist models that often adopt a single reasoning strategy, such as text-based chain-of-thought (CoT). The intermediate steps of text-based reasoning are difficult to verify, which complicates the use of reinforcement-learning signals that reward factual accuracy. To address this, we propose a Code-as-Thought (CaT) approach to represent the visual information of a chart in a verifiable, symbolic format. Our key insight is that this strategy must be adaptive: a fixed, code-only implementation consistently fails on complex charts where symbolic representation is unsuitable. This finding leads us to introduce Visual Programmability: a learnable property that determines if a chart-question pair is better solved with code or direct visual analysis. We implement this concept in an adaptive framework where a VLM learns to choose between the CaT pathway and a direct visual reasoning pathway. The selection policy of the model is trained with reinforcement learning using a novel dual-reward system. This system combines a data-accuracy reward to ground the model in facts and prevent numerical hallucination, with a decision reward that teaches the model when to use each strategy, preventing it from defaulting to a single reasoning mode. Experiments demonstrate strong and robust performance across diverse chart-understanding benchmarks. Our work shows that VLMs can be taught not only to reason but also how to reason, dynamically selecting the optimal reasoning pathway for each task.