I have no idea how to beat the limits. I haven't really looked into it either.

To me this is just a min. spend/threshhold spend meeting tool. With the load and cash out fees I don't feel like I'm "printing" miles like I do buying beans at OD. Seeing as how you can fund as many WF cards as you have frends and family willing to let you bororrow their SSN, I think my needs will be met @ 4500/mo/acct.

P.S.

Don't fund multiple accts with the same CC number.