Go through the awards network. Wachovia is the only lender that is still participating in the HELOC bonus and have really tightened their rules and regulations (also made it more expensive and time consuming to get the loan) bc so many people got loans strictly for the miles. There is an entire thread on this subject if you search for it. I think you are better off getting the loan through another bank as you will get a better rate and end up paying more for the miles than its worth.