Actually, I do spend the $15k for the Surpass FNC, which I have already done for this year, that can be valued up to $2k, if used at the correct place. Last year we had 4 FNCs, 1 earned from the Surpass, 1 free and 1 earned from my Aspire, and 1 free from my wife's Aspire. But groceries and gas mostly at Kroger using the Kroger card and then online Costco using the Costco card. We have actually never been in the local Costco here... Or gotten gas there but did just fill up both cars, that require premium gas, at Kroger's for about $2.60/gallon. We take both cars and park on both sides of the pump, then fill both up to maximize the discount.