This was a bit of a sneaky way to earn miles/points/cashback, and a very unintended one. I booked a hotel room about a year in advance. It's a hard hotel reservation to get, so I just waited until the day it opened up, and took it. I paid in full, as required. The cancellation policy allows for cancellations up to 30 days in advance. We scheduled another trip that took the place of this one, so I had to cancel. This was about nine months later. But the original deposit was paid for with my 2% CB Schwab card that B of A brilliantly changed around so broadly that there was no trace of the old card (or its history) and I then fully closed the new account. So I was a bit concerned that I'd have a problem with the hotel deposit refund. Well, they had a solution. Fax them a sheet with my info and with another credit card for the refund. Now, I was worried about losing points in some other program until I thought of my debit card. Perfect! The money went right into my checking account. And I got the 2% long ago. Not that I'd try this whole scenario on purpose, and I only netted about $15, and in a world with actual interest (not today's world, obviously) the time value of money would outweigh the earnings, but I certainly won't be shy about laying out cash for hotel reservations either.