An incentive method is provided for encouraging use of a credit or debit card sponsored by, or affiliated with, a first vendor having consumer offerings, such as a casino offering gambling on games of chance, food, lodging, or other goods or services. The method includes offering the card to a person, such as a casino patron, tracking transactions on the card after acceptance by the person, including transactions for consumer offerings purchased from a second vendor, and rewarding second vendor transactions with a discount on a consumer offering purchased from the first vendor. An incentive system is provided for rewarding casino patrons who enroll in a tracking system which monitors various player characteristics. These monitored characteristics are used to assign a player rating which is used to enhance prize payouts and/or award bonus prizes.