After which you get 1%. So let's do some math using the previous example.
11000 - (1500*4) = 5k(0.01) so $50
Add your $75/quarter = $350/yr. Cash
Or, if they do as you say and they max out the 5% then use the Amazon card they make $300 cash from chase freedom and $150 in amazon free purchases.
That works out to $38/month some of which is only good on amazon. Enjoy micromanaging your finances, paying 8 extra bills per month. That's the cost of your free lunch. I don't need that headache and neither do most people.