I did the same thing twice.
Two different employers that really deserve to be absolutely thrashed but as soon as I got to the point where it was asking me my true identity I realized there was no hope it wouldn’t come back to bite me in the long run.
I understand why in their business model they want to be able to verify employment. I’d even say it’s reasonable. But the Privacy implications of it are just too tremendous and they I’ve never been practically or systemically trustworthy.
And knowing this about them means they aren’t a reliable place to be warned off of a bad employer either. The primary purpose of their site is completely undermined by this bad policy.
Starting with only autopaid non-flexible spending is a good bet, and there are credit cars that will de facto get you an ~3% discount on those categories just for using them.
Remember, all cash rewards / points systems exist to make you spend more money, though. Like the cards, they’re designed to increase your spending. So it’s the same advice – only think hard about it for fixed costs.