I have a credit card (I would have to look up the details if anyone is interested) where it is a "point" system of 1/1. When I reach 8,000 points, I get a voucher for $100 off any airfare. I can either use the voucher or save 4 of them and get a free ticket (up to $500). The benefit I like of this card is the they pay you points for your finance charge each month, at the rate of 3/1. For example, if I pay $50 in finance charges in a month, I earn 150 points. I try to pay all my balances also, but this slightly takes the sting out of the times when I do carry a balance. If anyone wants me to post which card this is exactly, let me know. It's no secret, I just don't have the card with me now and I won't remember unless I see it posted here