Here’s a different kind of rewards card, instead furthering more material consumption, the Brighter Planet Visa card lets you earn “EarthSmart” points. These points are automatically used every month to fund renewable energy projects. Every 1,000 points funds about 1 ton of carbon offsets. (Carbon offsets are a way of breaking the cost of planting trees, reclaiming methane, building windmills, etc, into purchasable units). There’s a 0% introductory APR for the first 12 months, 9.99% or 15.99% APR thereafter, depending on your credit score. You get to feel good, renewable energy gets funded, and Visa and Bank of America get good PR –win-win-win-win. Gotta wonder, if you default on your payments, will they pull the trees out of the ground?