well, what I said is that you're only "supposed" to get the points if you use your Chase card. Yes, most people can generally get away with using another card, but it's not a guarantee. Good luck arguing about points with Chase if the charge isn't on your statement. And gift cards are different again; many stores, when you pay with a gift card, show it as a 'discount' on the purchase rather than a payment method. So the UR record would show a 'purchase' of $0, thus no points. Again, depends on the store in question and their specific site coding.