1) When buying a car, you can pay a part of the total amount with a credit card - ask your BMW sales representative. I had CAD$23,000.00 charged to my AMEX last year.

2) With some telephone, cable, hydro companies, you can use your credit card to pay your bill every month - call and ask.

3) Some insurance companies will take credit cards for premium payments - call and ask.

4) If you own a business, get the American Express card for small businesses and subscribe to the Membership Rewards option ($50 annual fee; 1 mile per dollar spent). Charge all expenses to that card.