Hi all - I'm active with my first round of card and had even met some of the min. spending thresholds. I'm now diving into more non-mainstream ways to build points like BlueBird and Vanilla Reload Cards. I did a search by both topics and read everything I could find. I still don't entirely understand. Am I correct in thinking this: Sign up for Bluebird account online. This will allow me to load cash on the card in a prepaid format to make online payment for Mortgage, car payments and the like. Then, find a CVS or Walgreens that sells $500 Vanilla Reload Cards, and buy one a day with a Chase Ink or some other card that has more than 1X the points for shopping there. Then, load the cash from the Vanilla Reload onto the Bluebird and pay my mortgage, car payment or anything else not payable by my active credit cards. Benefit: I get more than 1X the points for the $500 purchase I get to pay for mortgage, car, etc.. essentially with a credit card (when typically I can't) If I find a CVS or Walgreens that will allow me to load up on $500 Vanilla cards over the course of a week, I can make monthly payment for a $2,500 mortgage getting points for this at more than 1X the value because of having purchased these at a CVS. Is this all correct? This seems very confusing but I think I'm getting it. Darius at MMS suggests newbies be careful and buy the right cards. I need the Vanilla Reload correct? Whew! Blue.