Many of us got the US Bank Travel Rewards card which offers 33xxx bonus points for $2500 in spend during the first 5 months. US Bank has been crappy, but there are threads about that..... anyway, I got the card, and several family members did as well. This morning I read on a blog that US Bank is offering 3x points for charitable spend. And a couple bloggers have confirmed that Kiva counts. So if you do $2500 'spend' at Kiva, you'd get 7500 points, in addition to the 33xxx signup bonus. This is significant, as the Flexpoints award chart is quantized, and the next tier is 40,000 points. Moving from the 30,000 tier to the 40,000 tier is worth an additional $200 in rewards. So, my purpose in posting this is that I'm considering lending $2500 through Kiva. I originally opened a Kiva account when MP offered the $25 match. I had a good experience, but haven't really done much since. I basically know how Kiva works. I know there is risk. Some may say that funding Kiva with $2500 just to meet a CC spend target is lending for all the wrong reasons -- hopefully others will be happy to have another big Kiva lender on the MP team. In my eyes, it's a win-win for me and the people Kiva supports. Maybe it's a loss for US Bank and Paypal..... I don't really care. I read that Kiva has a 1.14% default rate. So I should expect to lose $30 for each $2500 lended. Since I earn an additional $200 for 'spending' $2500 and getting the bonus points, that's roughly a 600% expected return. My goal then is to get the 1.14% expected default rate. I'm fine with that. What should I read and study to insure that happens? How to I reduce the variance on the expected return? And yes, if I lose the entire $2500, so be it. It won't kill me. I'd rather lose $2500 to Kiva than to the stock market, and as you can see, I think I have a better RoR in this case! I believe in 'Go Big or Go Home'. With all that said, tell me what I'm missing and what else I need to consider. Thanks.