As the keeper of our households finances, I was making sure that our accounts were reaping all the benefits one receives from not paying cash. Borne out of the interest and fees collected from those in debt, I revel in what I can get back from credit cards. I genuinely feel bad for those who are tied down by debt, but I’m equally as angry at the credit card industry and their shenanigans to capitalize on our weakness to consume and procrastinate.

I’ve been earning and spending points for years, but Snuff has been missing out on that fraction of dollar until I signed him up. With all the incidental purchasing that he does I thought I would have some gifts coming my way in no time until I saw the hard figures.

	Visa WorldPoints	Visa Extras	AMEX Rewards
Apple iPod Classic 80GB	39,200 Points	177,500 Points	42,000 Points
Sony® Bravia™ Home Theater System	41,600 Points	186,500 Points	53,998 Points
Cash Back	scaled from .5 to 1% 2500 Points = $12.50 350000 Points = $350	set rate of .2% 2000 points = $4	set rate of .5% 20,000 points = $100