AFT is obviously not the best way to MS but it is A way to MS for miles and points. I use it to meet min spend and then I put $800 a month on 2 AFT cards. I shop at Target often and live directly across the street from a fee free ATM. It's not going to get me an Explorer Award with AA (but then again, nothing will anymore), but every little bit counts. It's slightly less than the current 100% trade bonus for US Air points at 1.5 cents a mile with my US card but I am starting to rack up my Club Carlson points and get 5/$1 with that card and I value those points very highly.