Great idea but a few things concern me. 1.] If you put $20,000 into Acorns, their fee starts to become more than trivial -- $50 a year. 2.] There are manageme

Great idea but a few things concern me. 1.] If you put $20,000 into Acorns, their fee starts to become more than trivial -- $50 a year. 2.] There are management fees (.05% to .20%) charged by the ETF's in addition to Acorns fees. 3.] You lose the points by not using an airline or hotel credit card.