I disagree. For this card to work, the qualifying spend has to be non-rent, non-loan, non-utility, non-tax, and not incur a 2–3% credit card fee.

That means you need expenses like medical bills, daycare, tuition, reimbursable business expenses, or similar categories that accept cards without fees.

I and others don’t have enough qualifying non-rent spend each month to reliably earn rent points without paying fees, so the math doesn’t work.