I was just going through my bills.  I have a hospital bill here for $778.28.  That is after the insurance payment.  Gotta pay those yearly deductibles.  I am thinking if I am going to pay a bill that big I should be getting some air miles racked up on the Visa.  So I visit the URL on the bill, follow the instructions.  I put in the account number and the total bill.  I get back an option to pay off in full for, $700.45.  That is a 10% discount.  Typically I just pay online through my checking account.  I will have to remember this and so will you.