You were probably initially attracted to the Roamans credit card because of its benefits. It offers a few cardholder benefits as well as a rewards program. Their rewards program allows cardholders to earn two rewards points for every dollar that they spend at Roamans. Cardholders are allowed to trade these points in for rewards certificates that are redeemable at their store. For every 400 points earned, a $10 rewards certificate is earned. Instead of this approach, we would recommend that you look for a general rewards credit card issued by a major bank. You might be interested in one of the cash back rewards credit cards because they allow you to get cash back at a much wider range of places. They also allow you to redeem your cash back on a much wider range of things.