Back before I started paying better attention to CC points/rewards, I was a sucker who used a Citi card that earned 'Extra Cash'. You can purchase items from the extra cash portal with a combination of real money and a set amount of extra cash - example buy a DVD for $3 extra cash, $4 real. I have found that the amount after the extra cash discount is applied is never cheaper than the same item being bought elsewhere (amazon, target, etc..). I still have about $2000 in 'extra cash' and I was wondering if anyone ever found a good use for it? They do offer discount giftcards - $500 Macy's for $50 extra cash, $450 real - but even then I don't really have a need to spend that much at Macy's.