Some prepaid credit cards work with AutoPay, some don't. A Mogo Prepaid Visa Card worked for me in the past, but the rules might have been different when I signed up long ago.
AutoPay will always use available funds before charging anything to a card, so you can enable it (to collect $2 Reward and bonus data) while actually depositing payment vouchers to pay for the plan instead of having your card charged. "Broken AutoPay" is a recurring problem for some subscribers - something to do with PM's payment pre-auth setup - which can be entirely sidestepped with this method.
Community Rewards can save you a few bucks, but the raw payout is not really worth the time you have to commit online, plus the awards vary month-to-month so you can't really bank on them (unless you're an Oracle).
Loyalty Rewards just take time. Easy. But can't be rushed.
Referral Rewards all add up. I always keep a spare PM SIM card or two ready to score more referrals. If you can configure someone's phone to work with PM on the spot - and if you can show them your own ever-decreasing phone bill - and if you can cash in on a decent promo - then it's not too hard to hook referrals. And once they start getting Rewards (or Referrals) of their own they're likely to stick around. It helps if you know how to configure Android and iOS phones, select the operator, setup the APN, use the online Activation and Number Port forms, etc - or if you at least know how to find the instructions for these things in the Community forums.
I avoid all the hassles of looking up phone specs, trying to determine if the phone is (un)locked, figuring out whether it's radio-compatible, etc ... I just plug my own PM SIM card into the (potential) referral's phone and it works or it doesn't work. Only takes a couple minutes to confirm compatibility.
