Keith W, Dallas, TX:
I believe it was 1994 when I first received a Discover Card. Over the years I have had plenty of cashback rewards. Recently I have been exchanging for partner gift cards and have had the most fun. I consider them wardrobe updates that don’t come directly from my pocket – a wonderful feeling, new clothes and no bill. I also plan for things that make spending the points even more fun – recently burned up an extension cord, redeemed an ecert at Sears and had a new one without any pain. The only change I would make is to compete with VISA and get rid of the graduated tiers.