I have looked at the option of boosting my balance to increase my reward level and here are my initial thoughts.
If my balance is $1,000 my rewards go to 3.5, 3.5 and 1.0 or with a $3,000 balance to 4, 4, and 1. So I would need to maintain that balance to boost my rewards, but that account only pays 0.1% interest. So I think that I am better off keeping my funds in the high interest saving account earning 4% rather than an account that earns nothing to potentially get a reward on CC expenses. $3,000 would earn interest of $120 per year. Keeping it as a minimum balance in order to boost my reward by 1% doesn’t make sense in my mind. I think I would need $12,000 in CC charges just to break even. If I am thinking of this incorrectly, please enlighten me. But that is what I thought when I looked at the plan. Plus Gas and Groceries are max’d at $500 in spending. So cashback potential is limited by that.