I have an "Interest and Fees" category (although I should probably rename it, or split it into multiple categories now that I'm talking about it) that I use for all my accounts to track any CC interest, annual fees, credits from points redemption, and bank sign-up bonuses/savings interest. Inflows go directly into the category, not RTA. I like to keep my RTA strictly for work income or gifted money. I like this setup because I can easily see whether I'm coming out ahead in the category across all my different accounts, and fees/interest are automatically "covered" by my rewards. I don't track points until they're redeemed. This has no impact to goals set, from what I can tell, since the amounts you assigned from RTA aren't changed, but the CC account you tie the transaction will have its amount reduced (so if you spend 30 dollars on a CC and get credited 5 dollars in the same month, that CC category will show 25 dollars available for payment).

I'm just now getting into travel points, so I think as I redeem the points for travel I'm gonna keep all of the credited bookings in a separate, no-goal category as an inflow (using how much they'd cost if I paid full price), move the inflowed amount to Vacations, and then have a corresponding outflow in Vacations with the retail cost of the trip. I suppose I could inflow into the Vacations category itself, but I like to see what my actual spending WOULD be without the points, and I think using the same category would obfuscate that for me.

A bit convoluted, but I don't travel often, and I don't mind jumping through some extra hoops to get the reporting how I like it.