Providing incentive award programs to promote credit card use and the sale of products and services of others; promoting the use of credit cards and the goods and services of others through the distribution of consumer coupons and by offering consumer discounts through use of a discount membership card and through use of a website; administration of discount programs for enabling participant members to obtain discounts on a wide variety of consumer merchandise and services through use of a discount membership card and through use of a website; providing information regarding discount shopping services for shoppers, travelers and businesses; advertising services, namely, promoting gift certificates and gift cards of others; issuing gift certificates and gift cards which may then be redeemed for goods or services of others; arranging for others the repair and replacement of a wide range of consumer products pursuant to warranties; arranging for others the repair and replacement of items purchased with a credit card pursuant to warranties