I reconnected with an old friend today who is in town on tour. We had a good laugh when we both whipped out our CSRs to pay for dinner and then started comparing notes. He doesn't churn but instead puts all of his hotel and dining charges on his CSR and then uses his per diem allowance from his employer to pay it off. Voila, easy 3x points on almost all of the money he spends and very little of it is actually out of pocket. He has been doing this for three years now, gathers enough points for an all-inclusive vacation every year, and just signed up for another long contract. It's a winning strategy for someone who doesn't have the day-to-day bandwidth to keep on top of different MSRs but travels a lot for work. Just something to keep in mind if any of us ever go out on tour (unlikely for me but you never know!)