Just call me Baldrick. Because I have a plan more cunning than "a fox who’s just been appointed Professor of Cunning at Oxford University" There are trusted people in my life who have no interest in earning free rewards, people like my mum, best mate, neice, etc. So what if, with their full knowledge and agreement, I referred them for a card which they never use themselves. But they request a supplementary card for me (possibly additional rewards) and then I spend on it and manage the entire account on their behalf, making all the payments ? The biggest issues I can see are these, assuming trust and rogue spend are no problem : 1. how can they transfer their points to me ? I'm hoping you experts have already got ideas for some convoluted myriad of transfers which would enable the points to eventually get into an account with my name on it. 2. can we setup the direct debit from a bank account which is in my name and not theirs ? less of an issue as I can always transfer money to them, but DD is always better.