There's a new development in the banking world that Clark is excited about. For years, airlines have had great success buying customer loyalty through frequent flyer programs. Now Capital One has a new program that's built on the same idea. The company offers a Rewards Money Market Account that earns 4.66 percent -- slightly lower than Capital One's normal rate of five percent. But you can get travel rewards based on how much money you have in the account and how long you keep it there. The best part is that when you redeem your points, you're not locked into one level or rate of ticket. So if you can find a super cheap travel deal, you'll get the ticket and also get to keep the points you might otherwise have "spent" on a ticket of average price. It's like being rewarded for being a good airfare shopper. This is a potential win-win situation all the way around. Look for similar loyalty programs from banks and credit unions in the future. As Clark says, they're all about the "sticky," which means they're always trying to come up with new ways to retain you as a customer.