u/Tryin2bReasonable

I made a rookie mistake, and I hope others can learn from this. When you are trying to earn your SUB (sign-up bonus), but only want to just spend the minimum amount, you cannot include the annual fee as it is not a purchase. I just lost out on 75,000 points with Chase because I did not read the fine print carefully enough. I’m embarrassed to tell anybody about this, but hopefully this post will help others.