So if you had a $1,000 mortgage, you could use this service and get, say, 1,000 miles, for the cost of $44.89.

Or, you could send flowers from USAir->FTD, for $45 and earn 945 miles (900+45 for card spend). - free flowers, and no worries about a new company having a mix up that ends up with a late payment and mark on your credit report.

Maybe this makes more sense for someone with a million-dollar mortgage, but not me.