I know not everyone travels as much as I do. I applied for my PenFed in March - traveled in April, May and early June. I earned sufficient points or credits that they are sending me a $500 prepaid visa card. I'm sure my wife will take good care of that card but I've already figured a Scangauge Diesel is the first purchase. She can have it then. The PenFed card seems to work well for me and I'll continue to recommend others use it.