I have used these sorts of credit cards for years but am calling it quits. I have had it with the difficulties of ever usinig the points you accumulate. Instead, I am getting a rebate Visa that pays 1.25% back and, unlike Discover, does so from the first dollar.

If I charge $30,000 in a year, that is $375 CASH no strings attached, as compared to 30,000 or perhaps 35,000 miles that are harder then hell to use.