Looks like you need to be in debt to the company to get this for "free", i.e. you must have a "qualifying" outstanding balance to get the 2 miles for every dollar spent or in their words: "Those new accounts that do not transfer a balance and elect the upgrade that includes the NextCard Rewards Program will pay an annual membership fee and receive single points, currently equivalent to 5 BonusMail credits, for every $1 in net purchases charged to their account each month, whether or not the previous balance is paid in full." They do not state what the annual fee is.