How are you getting 3%? I take the fiat 1% because it’s on the full amount. If I decide to gamble and spin, getting something like 3% comes with a reward limit (I think $100) so it comes in at less than 3% of the full amount. After lots of experimenting I’ve come to the conclusion taking the flat 1% is the way for large spends like credit card and mortgage.
Discussion
Lmao flat 1%**
Oh snap, I didn't know there was a reward limit... Thanks for pointing this out! And followed!
Only if you choose to spin. The flat 1% is on the full amount with no limit.
And followed back :)
The most you should use for any bill is $1250. That's $25 at 2%, which is the 2% cap. I just pay bills over multiple payments and sometimes over multiple days if I need to earn more spins. It's a bit of work, but worth the sats IMO.
Ah okay this makes sense! To be honest, didn’t really think about paying off my bills in multiple payments. Definitely a nice little hack! May experiment with it and see if it’s worth the work for me. Thanks!
You're welcome and good luck!
I can almost guarantee to get 2% on every large purchase. I do the daily game and save spins. Usually I'll have 12 to use for my CC or mortgage. And now with bitcoin purchases giving spins, I just smash buy some bitcoin and then pay the bill. My 3% was just extra lucky this time.
Gotcha! I guess I could manage my spins better but seems like a lot of work. Also with the rewards limit when spinning, I’m not sure 2% would yield anymore than the flat 1% for my mortgage (~$3600)