I used to have a cool credit card that payed off my mortgage every time I bought something. I could spend $15,000 on a trip to New Zealand and think: "Hey, I'm being responsible. This trip will pay off my mortgage a month early." Unfortunately, thanks to new credit card regulations, this perk has disappeared. So I broke down and found a new card. It won't pay off my mortgage, but it does give me 1% cash back to do with as I please...and there are absolutely no transaction fees if I use it in New Zealand...and I got to upload a cool picture of Picton to put on the card.