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If you: spend lots on travel
Card: Pentagon Federal Premium Travel Rewards American Express
You earn: Five points for every dollar spent on airfare and, through 2010, three points for every dollar spent on hotels and dining.2
Caveat: You must be a PenFed credit union member; anyone can join for a one-time $20 fee.3
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Last updated May 12 2010: 10:39 AM ET
1Minimum initial deposit of $2,500 required. 2Point valuations vary. One example: 30,000 points can earn a $400 roundtrip plane ticket. Go to penfed.org for more info. 3Via membership in the National Military Family Association. Government or military employees or family join free.