This situation came out the way I thought it might, but the degree of difference was much larger than I envisioned. I'm in the early stages of looking at $30K of home improvement, and still at the point of deciding whether the "lost opportunity cost" of taking the money out of cash (meaning less interest and dividends coming in) exceeds the cost of getting a home-equity loan. So I "Googled" "AAdvantage miles home equity loan" and came up with two separate URLs, one saying Wells Fargo offered 1,000 miles per $10K funded, and one saying that same bank was giving 3,500 miles per $10K. So I decided to call the "800" number for more information, and an interest rate quote. Background to this is I had stopped at my local Wichita bank this morning and gotten their quote. Had to wait two minutes to see a banker, then got quick, concise answers: current rate on a fixed $30,000,10-year home-eq loan (not HELOC) 4.5% with a $350 loan origination fee. Then I came home and called Wells Fargo. Had to talk to four different employees and call two different toll-free numbers, and was placed on hold three times, and once got a "my computer keeps freezing up, I apologize." Was told the correct number of miles was 1,000 per $10K, which I had feared. But far worse was the rate quote on the same product the local bank had quoted me: rather than the local 4.5% A.P.R., with Wells Fargo it was 7.365 % (which mysteriously went up to 7.372 % during the course of our phone conversation, and he couldn't explain the difference). And when I got such a high-rate I stopped even writing down what the closing costs were. Plus having to listen through all sorts of legal mumbo-jumbo disclosures which the local banker an hour earlier had distilled down to simple, harmless English. No way in God's Green Earth am I going to pay a rate more than half-again higher and go through that sort of phone-maze bureaucracy to get 3,000 miles. But hey, I tried!