Join Date: Oct 2014
Location: USA
Programs: Chase Ultimate, Amex, Delta, AA, BA Avios, United, US Airways, Marriott, Hilton
Posts: 260
Also, if you do fit the average consumer....its probably better to just do app o rama's and churn credit cards.
If you get lucky like with AA 100k offers, you could easily beat what the above MS'er example generated in a year. (Although this assumes, you value AA miles or similar currencies more than cash back.)
The one advantage the MSer has is they could conceivably use cash back cards and generate income rather than miles.