I wish I had discovered Plastiq a month ago before I picked up my TM3. for a 2.5% processing fee you can use a credit card where you usually cannot, like final payment on your TM3. BI had an article about a guy who did this and for just under $1.5K got about $5K in travel rewards. So if you have the cash and the 2.5% fee is less than what you'd get for travel rewards, This just might be an option. Just make sure you actually have the money to pay off the card immediately.