The Dallas-based luxury retailer famous for its Christmas catalog sold its credit cards division to HSBC last year, but it still offers a rewards program to loyal cardholders who spend lots of money in its stores (or those of its sister, Bergdorf Goodman). In-Circle’s entry point is 5,000 points (meaning you’ve spent $5,000 on your card in the last year), but perks balloon as you go up the food chain. This year, 50,000 points gets you a Sony Vaio FS series notebook; 300,000 earns you a trip to Italy with a custom gentleman’s shoe fitting by Ferragamo or a trip to New York for Fashion Week. Two million points puts you behind the scenes on the set of daytime TV drama The Young and the Restless.
