A new deal from Microsoft Rewards can net users The Lord of the Rings trilogy and The Hobbit trilogy for a surprisingly low point cost.

I think about credit cards all the time. As a personal finance journalist, I've written about credit card rewards for a decade now, and have more than three dozen active cards of my own.

Earn 2 miles per dollar on purchases. Redeem miles (at 1 cent apiece) for credit on your statement against any travel purchase, with none of the restrictions of airline cards.