Don't be so hard on the non-believers. We all were probably in that category at one time or other. If I had known about Affinity Cards back when I was doing several hundred dollars a month keeping gas in my company truck (in a prior life) I would have been able to fly frequently just on that alone. But I have seen the light, and have convinced my better half that free hotel rooms and upgraded flights are what we deserve. She is slowly coming around and will use the affinity card for most purchases. BUT she still has that one card that gives no points, no miles, but is free of a yearly fee. CANNOT get her to drop it.