This might sound silly to some but when I was in my crunch on the southwest visa having to charge 10k in 3 months for the 1k giftcard(was working 2 cards for this) I ordered coins from www.usmint.gov. Free to order and free to ship but they are trying to get the 1.00 coins into circulation. So I ordered twice from this. Got me the points I need and I wasn't out the cash so to speak but it was here in a different form! I went to costco and bought a large gift card with the coins since they dont' accept visa, etc.