While we all on this forum do like to game the deals to maximize our miles, let's not lose sight of the fact that the BankDirect deal is one where both sides are happy: they're happy for our deposits, and we're happy for the miles.

While I don't understand how it makes economic sense for them, they continue to offer it and for that, I'm grateful.

This isn't like the Mint deal, or churning Citi cards where we're working the system. This is the unique deal where both sides have their eyes open and come away happy.