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Hi Bryan,
Just wanted let you know what we did this year. We have been using a Capital One Visa card to buy as much as we could and paid it off at the end of the month. We used the accumulated points to buy airplane tickets for Christmas this year ($700 – 1/2 our cost) to Arizona. It requires us to budget what we send with the Visa, but easy to do with a spread sheet. This is the second time we have done this (went to Florida with the previous time) . We have not paid any fees or interest. It has been worth the effort.
Coach