I got an email today from my choice hotel privileges with my points balance. I never use the things so the email just about went to the round bin when I noticed you could exchange points for charitable donations. It works out to be a penny a point. AmEx has a similar program (a little harder to find).
Between the two, I donated $320 to the red cross and it didn't cost me a penny. Something to consider if you're like me and never use the things, its a good way to help with out putting yourself out.