Mike I would have to agree with scott, it really seems as if you aren’t too sure where to go with your campaign. I mean the guys marketing at that level are going to conserve their ideas so that you don’t walk onto their turf.
Giving away free money is ludicrous as once people get the free money they will leave so so quickly. The idea is to be able to retain your customers with enticing offers that will draw them away from the competion. If you give them $50 then they will take it and leave to go somewhere else as you wont be providing any more benefits for them.
You need to go back to the basics and figure out your target market and all that, then maybe approach some search engines and do some ppc and see your conversions.
good luck…