I've never had one of these "Flybys" cards simply because I read a while ago that you have to spend around $50 to get around 10 Flyby points. So you might spend $10,000 on your card each year & only get enough to get a $100 gift voucher or something. Is it really worth the effort? What real benefits do you see? I've also never done the spend up on the credit card to buy all your monthly expenditure & then pay it off consistently at the end of the month. Is it really worth the effort? What real benefits do you see?