I noticed that in Holland if you go to a bar about 33% of the time they will be ok with adding up to 100 euro to the bill and giving you that in cash. Using a Citi premier i get 3 points per Usd on that so i get at the very least around 3.33 dollars and i get a free cash advance ! . I would totally advise to do a pub crawl and check if a few bars will be willing to do this favor for you. I myself sadly have a bank account which charges me 3% +5 dollars when i withdraw so i saved that fee and got some points ! Let me know if you managed to do that in Holland ( btw you can do that in England as well but they normally charge a fee which really messes up the logistics of this plan.