Just doing a year in review. I haven't checked my P2 card yet which I know wasn't quite as lucrative as P1....but I will have cleared 1.1 million SYW points, almost all redeemed for VGC with the 5% bonus, and $4,130 in statement credits in 2024 just on 1 card with well under $20k in spend. No credit pulls, no new accounts on my credit report. It's almost hilarious to think how hung up I used to be on earning UR or MR points.