Use a 5% CB card, and you earn (profit) $21.05 for every 500 VR you buy. Buy 20 VR per month, and you end up earning $420 per month. Sometimes I throw in sign up bonuses, but usually just the 5% card as I value the money way more than the points. I'm happy to fly coach and have to okay for it, but the sign up bonuses usually take care of the coach flight.