You might also ask your family and friends if you could use your card to pay their bills. A lot of people don't care about points/miles or are happy with a card that pays them 1-2% cashback. You could offer them 4% cashback. You get your 100,000 points/miles/whatever for around $320 and they get twice the cash that they would have ordinarily received. A win-win. Unless they don't repay you or you go over your CL and some critical bill doesn't get paid.:eek: