not quite true. you get one point for every dollar. you get an additional 1 point for every dollar at a gas station or restaurant. then you also get an additional 2 points for every dollar spent at a hd dealer. so they do add up quick.
i put purchases that i'm going to make anyway on this card, then pay it off at the end of the month. no finance charge. and while i don't have enough points saved up to buy a $1000 tour pak, i do have almost enough to get a set of daymakers. and besides, wouldn't a $700 or even $800 tourpak be just so much easier to take?
I understand the concept of reality, but find it too confining for a way of life.