rockyrock wrote:We spend $10k-$15k a year on groceries, I didn't think it was possible but I guess my wife is just good like that
I routinely purchase Amazon and Starbucks GCs at the supermarket with my BCP.
I consider MS a loop that never closes. When I buy a GC and use it as an actual-- wait for it-- gift or to buy a cup of coffee that's just maximizing reward potential. That is the whole point of bonus cats and higher CB cats.
If I open a new card with a spend requirement and buy reloadable cards to fund an account to in turn pay off that balance, that is MS.
Right, using it as an actual gift I can see. But let's be honest. The large majority of people are not using them as gifts when buying them for rewards. They are MSing.
The line between "reward optimization" and MS can be blurry but at the end of the day it's subjective. One has to do what they feel comfortable with, knowing that heavy GC purchases will likely get you flagged or shut down eventually when your issuer picks up on your habits.