i think of it as a little investment,I tend to use them for day to day visa purchases then clear out balance to health fund online
after april these cards wont be financially viable
and since we can get 3ppd only for the promo period,
im happy to stock up as much as I can reasonably handle,
also happy to prepay or overpay bills
I regret not considering local champion, I could have easily become champion had I split the transactions up,FYI (and I am generalising here) the main reason most people use this strategy on these types of promos is to earn 3/4 Amex MR points/$ instead of the 0.5/1.0 FF point gained from paying another bill/expense where that business does not accept Amex Directly (or has a punitive surcharge for the use of Amex.
The bonus WOW points offsets the cost of the VISA1 card fee. with some past deals the WOW points (or discount) gain was more than the card fee allowing an instant profit.
but oh well , live and learn
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