i have significant deposits at bank direct and called to ask about mile caps.

they allow 2 accounts per person with no mileage cap. ive earned more than 100k AA as well.

for me i leave money there to be liquid... money i need to have in cash. i had 2% 1 yr citi CDs but prefer to earn the miles instead. 2% post tax is about 1.4% cash. id rather buy my miles at 1.4 cents.

once i have lifetime AA though i may move it out of bankdirect.