Bingo. It is up to you to read the terms when you get a card. There usually is no further description of the rewards unless you call and ask them how it works. You should have read the description of the program and figured out it would not to be to your advantage. I throw away a lot of Rewards applications because they won't be of any use to me. I use Cash rewards programs - I know I can use cash.

As far as expiring - this is a wake up call for you Brian. All rewards programs that I have ever seen have time limits on the rewards. They count on a percentage of people "Not Responding", so to speak. You know these programs cost them money; the cost would be higher (and rewards lower) if they assumed everyone would redeem their rewards.

Don't hold Sony (really Citi) responsible here - you need to read the terms of any credit program you get involved with.