I like having the option of gaining points with my check card, as long as I use it as a credit card and sign for it. That doesn't bother me, I know they make money by having that rule. I would like to see a higher return rate. I think by the time I can get a $15 gift card, I have spent $8000 dollars since it is 1 point for every $4 I put on the card. But I usually just let the points build up and then see what I can get since I am going to use the card anyway. I do have other point cards that I use for higher priced things, and they have a better return rate.