I get the no shopping, cars, & hotels as I am the same way. Curious about the no dining though. It doesn't cost anything and I don't see what opportunities are being lost by signing up for it. I won't go out of my way to find a restaurant, but them being a participant is often used as a tie-breaker when deciding. The town I live in only has two participants and one is Applebees, which I refuse to go there. My wife likes a couple things on there menu and went once when I was out of town. Got a few points out of the deal and I didn't have to eat there.