Maybe everyone knows this, but I suspect not. For years, I've been using the points I earn on a Chase Freedom card directly on Amazon. I just found out today that I'm only getting 80% of the value. Redeeming 26,345 points at Amazon yields $210.76. Redeeming 26,345 points on the Chase website (for an Amazon gift card) yields $263.45.

The Chase Amazon Prime Visa does give 100% of value directly on Amazon's site.

I live in the EU. I recently applied for a credit card, and the banker asked me (about my job): "Is it a management role?"

I realized that it is a question I have been asked several times in the past by banks. I tried a cursory google & Reddit search, but I haven't found anyone being curious about this.

I'll try here then. Does anyone know why bankers ask this question? How does it matter? Are "individual contributors" seen as worse/riskier customers than managers?

I have my own informal, anecdotal opinion, but I'm hoping to hear some more informed answer.

Does anyone here have any experience with Aspiration or Amalgamated bank? I am interested in opening a new credit account and can't seem to decide which one to pick.

I've picked these two because of their environmental commitments, but I'm leaning towards Amalgamated since it's based in the East Coast.

Edit: Unfortunately, Beneficial is only in the West