[LouisVanDerWright]

I have businesses where we spend a shit ton on expenses and can use cards responsibly and just rack up mountains of points. I basically run a big chunk of materials purchases for my rehabs through my AMEX and pay it off literally same day since I am constantly drawing on my construction line to pay those expenses anyhow. I also put my car down payment on my card and we put our entire wedding on cards. We paid all the bills off immediately and now have huge credit limits and lots of points. We were able to cover almost our entire honeymoon with points, basically only had to pay for stuff we actually bought while there since the hotels and flights were covered with points. If you use cards responsibly you win as the consumer.