Well I obviously can't speak for everyone, but here's a bit of a breakdown on where my points have come from. First for a starting point, I have as of this past month redemed 215,000 AGR points for trips. The last redemption knocked my account down to less than 1,000 AGR points.

Of that total, 20,000 points came about because I've always been either a Select member since it first came out or a Select Plus member since it first was introduced. The 25% bonus when I was Select, and now the 50% bonus as a Select Plus member helps a bit as you can see.

Next, I've been a loyal Hilton Honors Double Dipper, so Hilton has graciously contributed 36,525 points to my AGR account. The rest of my points have come from rail travel, many Acela/Metroliner rides between the matched city pairs, and taking full advantage of any bonus programs over the years.

If one can squeeze in a few rides on Acela in FC during double or triple point promos, the points add up fast.

Not one of my points came from the AGR credit card, since I have never signed up for it.