Technically you don't even need to loop through the bank account, you can also do statement credit. It doesn't count against your minimum payment, but it does

Technically you don't even need to loop through the bank account, you can also do statement credit. It doesn't count against your minimum payment, but it does count as a credit/payment towards the statement balance. But yes, always charge the full amount and then handle rewards at a lower layer, never "pay with points".