Here's my current problem... as I wait for my SPG Biz, the only minimum spend I have to meet is for my CFU. I'm about halfway through the $500 and have almost two months left. I'm not worried about meeting it, I'm just having trouble getting it over with, for lack of a better term, because I keep using other cards to maximize my points when I buy things. Like, if I get something from the vending machine at work, I use my CSR because it codes as dining... because 1.5 points vs 3 points will make a huge difference on my $0.75 charge lol. Or I spent about $50 at Target the other day, and debated for a moment before pulling out my Discover card.