Rookie Wednesday: Creative Spending Warnings for 2018 – The Banks have had Enough!

René’s Points for Better Travel has partnered with CardRatings for our coverage of credit card products. René’s Points for Better Travel and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our advertising policy, visit visit this page.

RenesPoints Rookie

Welcome to a weekly feature on the Renés Points blog. This blog series covers in a “rookie” way either a Delta or travel related theme and attempts to break down to a basic level each topic. You can read up on all the previous posts HERE. Now on to this week’s feature.

Ugg. They are not playing “games” anymore!

If you have not peeked at any of your Amex Membership Rewards (MR) statements recently you may have missed some rather explicit wording as you see above. To put it plainly, the banks have had enough of those who have been, for a long time now, enjoying unlimited opportunities to make very valuable points out of “thin air” if you will. Does this mean the fun is over? Not just yet, but that time is coming (maybe).

First off let’s touch on the trend of banks protecting their own points the most. Chase has their Ultimate Rewards. US Bank has their FlexPerks and specifically the Altitude card while Amex we are talking MRs. These in-house points they do not want “gamed” if you will – they only want organic spending like most folks do. Sure they are happy if business owners spend big but they only want “real” purchases.

This means, as you can see from the above, they are on the lookout for anyone they even THINK has been using their cards in a way they do not approve of. It is at their sole discretion as to if they close you down and kick you to the curb. Ouch!

So does this mean creative spending is dead for next year? Like “The Key Maker” from the Matrix said – “Always another way, there is always another way“. There are many choices that are simply AOK with the banks like paying taxes (with a fee), loans to (that take time to pay back and can result in a loss) as well as in Amex’s case, they WANT YOU to buy their gift cards (also with a fee clearly). What about everything else?

I think there will be many opportunities in 2018 but they will come with warnings. Clearly new card bonus spend and bank specific point spend should be focused on normal spend or as shown above, approved spend. But beyond that how stores report purchases to the banks will matter i.e. what stores do or do not report level 3 data to the banks (see this Reddit thread for more). There will be locations that code as something generic or an approved category and all is well. Plus, and we will see after the 1st of the year, I think many lesser points (think SkyMiles etc.) will not be as minutely scrutinized as bank proprietary points – again time will tell.

Bottom line is there will be risks for those who engage in ANY mega spending for even 100% approved and blessed spend. 2018 will be a marathon not a sprint for those seeking to reach some spend goals for points to enjoy whatever perk, vacation or flight you are seeking to enjoy! – René


PS – Don’t forget about the chance to WIN a 25x use Gogo pass HERE!



  1. Well, there still is Plastiq for mastercard mortgage payments. In Plastiq, you can code the transaction. Why not code a mortgage payment as a car payment instead of real estate. I have both mortgage and car payments to Wells Fargo. One I can pay with Visa and the other not so with Plastiq. I may give it a try, but mortgage payment is too important to mess with.

  2. I’m still smarting over the Plastiq mortgage restriction. Not really a fan of MS but that was one of the easiest way to “manufacture” spend I would have made anyway. Wish there was any alternative for AmEx.

  3. Plastiq is having an Amex issue currently. I just don’t see the fun in trying to game for 250k of spend… buy a $15,000 ticket in January and be done. I am more concerned that this may be a year or two away from not being able to qualify for anything with spend, and all be based on ticket price.

  4. Plastiq told me that it was Visa and Amex that came to Plastiq and said no more mortgages. I was able to get my 20K on the BA card this way.

  5. But, if you have mastercard, then you are OK to do your mortgages that way. They are the only ones that have not said no. I am guessing Barclay is OK too. Just Amex and Visa said no.

Leave a Reply

Your email address will not be published. Required fields are marked *