Which would mean that I would have to LOAN them money by pre-paying. How much is the automatic payment to be setup? Sometimes I charge a LOT of money on my card. And 90 percent of the time, it gets paid off. But sometimes, I'm out of the country and I don't want to expose my banking account to the Eastern European, Latin American internet, so yes, once or so a year, I don't pay the full balance off.

Perhaps what you are really saying is that if you don't automatically autopay the balance off every month, on the same day, from a banking account that always has enough money in it to pay whatever you have to charge on it every month, then Sapphire isn't for you.

Sometimes I don't get reimbursed on a ratable basis. I don't think I'm alone.

Look, maybe if one just uses it for domestic travel and one's reimbursement cycle matches with the payment cycle properly and its a rateable amount of purchases or one is willing to keep huge amounts of cash in one's checking accounts, then Sapphire works for you.

By the way, if you effectively have to pay it all off in full every month, you really don't have a CREDIT card, you have an expense card.