Originally Posted by mudd_stuffin

One thing you forgot is that the 1:1 ratio kicks in only at a minimum $10k spending. Moreover, it is not entirely 1:1.

If one spends 19,999, the points awarded are as follows:

10,000 base points
5,000 bonus points for $10,000 spending
for a total of $15,000.

So it is not necessarily 1:1.