Originally Posted by
javabytes
It can still be worthwhile. Certainly not for making any purchases that could be made with credit cards (you should never have been doing this anyway), but if you have high enough spend in areas where you cannot use a credit card, you can still earn 24,000 miles in a year for a $95 AF.
True, but you also have to factor in the $3000 that has to sit in a Sun trust savings account that earns next to 0% interest. I could instead put it in a 5% rewards checking account and make $150 per year. So I'm losing $150+$95.