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Catherine Cozzolino signed up for the Tropicana casino's Diamond Club card in October 2003. She earned enough reward points for a free room on her next trip, but it took spending (and losing) $500 to do it. On a recent visit to Vegas, SmartMoney signed up for an MGM Mirage Players Club card. After 90 minutes on a Treasure Island casino 5-cent slot, we had enough points for a free T-shirt, but we spent $85 in the process. Bottom line: Don't rack up points solely with the goal of getting freebies. There is, though, one way to get something for nothing. Many of the loyalty cards offer discounts on lodging and food just for signing up. 3. "Our ATM machines are the real one-armed bandits." While ATM fees are creeping up everywhere these days, perhaps nowhere are they higher than at casinos, where access to cash is king. Patrice Traina found that out the hard way three years ago when she was short on cash at the Paris Las Vegas casino. 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Taking a cue from retailers, casinos often circulate oils and scents into their ventilation systems to try to put gamblers in a good mood. In 1991, the Mirage Hotel and Casino in Las Vegas started circulating the smell of coconut butter on its property to match the casino's tropical resort theme. At 500,000 square feet, the gaming/hotel section of the Mohegan Sun complex in Uncasville, Conn., is the largest scented building in the world. It has more than a dozen different smells circulating within its walls, says Mark Peltier, cofounder of AromaSys, the firm that installed the system. The Venetian casino in Las Vegas, also an AromaSys client, circulates an array of herbal scents, including lavender, throughout the casino floor. Why the olfactory overload? It's generally believed that people will stay longer — and therefore spend more — in a place with a pleasant smell, says Peltier. 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So at any given point, some machines pay out nothing while others pay out much of their take. To arrive at the 95% figure, casino management simply limits the scope of their claim to a subset of slot machines that will deliver a 95% payout. State gambling regulators will punish any casino they discover advertising a particular payback on its slot machines and returning less. But again, the regulators are looking at a very long time horizon. So don't be fooled by the casino's marketing efforts. If you feed $100 into a slot machine on any given day, there is no guarantee that you will get $95 back. 6. "The less you play, the lower we pay." Think you're saving money by playing the penny slots? Think again. Slots and video poker machines with lower denominations have lower payouts than their more expensive cousins. The reason? The house takes in a lot more money on higher-value machines and wants to drive customers to them, says Rick Santoro, senior vice president at Trump Hotel Casino Resorts. The Argosy Casino in Lawrenceberg, Ind., is typical of many in the U.S. In November 2004, for example, Argosy kept just over 11% of the $23.5 million that customers wagered at its 232 penny machines. But at its 97 $5 machines, Argosy kept less than 3% of the $57.5 million that was wagered, paying out the balance in both cases. So customers, on average, got a much better payout percentage at the $5 machines than they did at penny machines. Players can increase the payouts on a penny or nickel machine by increasing the amount they gamble on each individual bet. Wagering 100 nickels, $5 worth, on each pull of a nickel slot can make newer machines pay more like a $5 slot. That's because the payout is based on the amount of money that is being bet, not on how many times the machine is being used. 7. "Card counting is legal. " Tempting as it may be, don't try to use X-ray glasses, electronic devices or other gadgets to give yourself an edge on the casino floor. That type of cheating can get a player thrown in jail. But you are perfectly entitled to keep track of how many aces are left in a six-deck blackjack game by using just your brain. If you're good at it, you're a casino's nightmare. Nowhere in the United States can a casino have someone arrested for counting cards in his head. "There's nothing against using what God gave you to make you a better gambler," says Cory Aronovitz, founder of the Casino Law Group. Still, the fact that a casino can't have you arrested for counting cards doesn't mean it can't make things extremely uncomfortable for you. Casino employees have been known to change the rules in the middle of a blackjack game or even spill drinks on players to deter card counters, according to I. Nelson Rose, a gambling law expert at Whittier Law School in Costa Mesa, Calif. In some states, casinos can also ask a guest to leave for any — or no — reason. If you refuse, they can have you arrested for loitering. 8. ". but the police believe us, not you." At many casinos, employees can legally detain anyone if they have probable cause to suspect a player is cheating or causing a disturbance. If the police get involved, the law often takes the casino's side, say lawyers and civil rights advocates, even if it appears the casino has overstepped its rights. In October 2002, Raymond Cagno was having a field day playing blackjack at Las Vegas's El Cortez casino. The dealer was inadvertently showing both her cards (only one of the dealer's cards should be visible), increasing the odds of winning at her table. When casino personnel noticed the error, they asked Cagno to stop playing. 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