I just saw on the Mypoints website that they are now offering a mastercard. Sign up bonus is 250, earning is 1 point per dollar. No annual fee. The main page says a fixed rate of 9.9%, but if you click through to the terms and conditions, you will find no mention of that rate, just a few astronomical ones! Something is going on there. I have been looking for a good MC/Visa to supplement my AMEX, but I don't like this offer. Maybe if it was two points per dollar...maybe.