This is a little off-topic, but not entirely. I have been a FTer for several years and have learned a lot. I don't fly a lot and earn rewards primarily from credit cards. I have been involved in purchasing savings bonds, gift cards, CD's, etc. using credit cards. However, I have never understood why many people use miles cards rather than cashback cards. I have the 5% Citi cards for gas & groceries, 5% Discover card for restaurants, 5% Discover card for home improvements, but my primary card for other purchases is the MBNA Fidelity 529 card which pays a straight 2% for purchases up to $75,000. I actually have three of these cards - in my name, wife's name, and son's name. The reward money is transferred quarterly to a Fidelity 529 account which I then withdraw immediately. There is no federal income tax or penalty since there are no earnings. Are there any airline cards or hotel cards where if you spent $75,000 per year, you will receive $1,500 worth of airline tickets or hotel stays? If there are, please let me know.