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@killerkea
@jorge-freeman-1 are you sure it is only 0.25% because using the formula I gave earlier shows you are still getting 0.75% for each card.
7.5% + 15 * .75 = 18.75%
The amount I gained when going from 29 stamps to 30 stamps was 0.5% (27% discount became 27.5% when I hit the 30th stamp) which leads me to conclude that the current formula is 7.5% plus 0.75% for each stamp up to 20, then 0.5% for each stamp between 21-30, then 0.25% for each stamp after that. If they follow this pattern, then the discount will be capped at 30% and 40 stamps.