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"I've heard of cases where the customer spent his points on plastic surgery for his wife, " Ferguson says.
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Regardless of whether you are a rewards junkie or a rewards novice, the way to get the most value from your credit card usage is to ditch the points and find some plastic that offers cash-back rewards.
FORBES: Credit Card Tip Of The Week: Your Rewards Points Are Worthless
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For in-store scenarios either at the register or in the aisle, MasterPass supports the use of NFC, QR codes, tags, mobile devices used at points of sale or traditional plastic cards.
ENGADGET: MasterCard announces MasterPass digital banking service, gives Australia and Canada first dibs
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In the streets surrounding the extensive blaze people gathered, grouping together and taking up high vantage points, lining up at the plastic police tape stretched between trees, railings and bollards, doing their best to get a better view.
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The ability to pay for products with points has been available online for years, but has yet to pass to plastic.
FORBES: Citibank's New Tech May Revolutionize Credit Cards