You could open a ready credit account - a line of credit, no charge if you never use it. Also, just having the debit card with your checking account gives you the first two - I believe even if you don't ever use it as a debit card. Or, a money market account also counts as a savings vehicle, even if you keep only a $1 in it. You only need 1 check payment to count. I forgot one month, and one citigold account got 300 less. I need to open a checking plus on that account in order to get the full 1200 points.