I have a AOL Visa card and I earn points that are strictly convertible to making payment against the AOL ISP service charges. One AOL Visa point equals 1 cent toward the payment of an AOL ISP service charge. You earn an AOL Visa point for each dollar charged to the credit card (effectively a 1% rebate). The AOL Visa points have nothing to do with the AOL Rewards points (although I wish they did). The initial reason I got the card was because I could write up to three $10,000 cash advance checks transaction free at something like 3.9% interest for 6 months. Over the 6 month period I wrote 3 checks and earned $300 worth of AOL ISP services. I paid off the $10,000 balance every other month. Afterwards I saw an Article in SmartMoney written by Andy Tobiasz that identified this technique. I think First USA has since closed this loophole.