I'm still well down in the MM food chain (600,000+) miles, but I do load up about 75,000 a year in credit card spend. If I pay my property tax, car payment, mortgage, car tax, and the like with the CC (assume a 2.5% fee from Plastiq), that would be an additional 35,000 million miler points. Hmmm...... Almost all of my utilities are done via credit card (no fee).