Cash Back Cards
Discover It
Welcome Bonus: double cash back in first year
Multiples: 5% cash back in rotating catagories on first $1500 (limit 2 cards, double cashback in frist year)
2022 Q1 Grocery Stores & Fitness Clubs
2022 Q2 Gash Stations & Target
2022 Q3 Restaurants & Pay Pal
2022 Q4 Amazon & Digital Wallets
Annual Fee: $0
Chase Freedom Flex
Welcome Bonus $200 after $500 spend in the first three months and +5% back at gas stations up to $6000
Multiples 5% cash back in rotating catagories on first $1500, 5% chase travel, Lyft, 3% dinning, drugstores
2022 Q1 Grocery Stores & Ebay
2021 Q2 Gas Stations & Home Improvement Stores
2021 Q3 Grocery Stores & Streaming Services
2021 Q4 Walmart & Pay Pal
Annual Fee: $0
US Bank Cash+
Welcome Bonus: $200 after you spend $1000 in four months
Multipliers: 5% cash back on $2000 in each quater on top two catagories, 5% on US Bank Travel, 2% Gas Stations, Grocery Stores, Restaurants
Fast Food, TV Internet & Streaming, Cell Phone Providers, Home Utilities, Department Stores, Electronic Stores, Sporting Stores, Movie Theaters, Gym Fitness Centers, Furniture Stores, Ground Transportation, Select Clothing Stores
Annual Fee: $0
Citi Custom Cash
Welcome Offer: $200 back after $750 in the first 3 months
Multiples 5% cash back on top spending catagory up to $500 each billing cycle
Restaurants, Gas Stations, Grocery Stores, Travel, Transit, Streaming, Drugstores, Home Improvement, Fitness Clubs, Live Entertainment
Annual Fee: $0
Chase Ink Cash
Welcome Bonus: $750 or 75K Points after $7500 in purchases in 3 months
Key Benefits: 5% cash back at office supplies stores, internet, cable, phone services up to $25K spent. 2% cash back at gas stations and resturants up to $25K
Annual Fee: $0
Amex Blue Cash Everyday
Welcome Bonus: $200 after $2000 in purchases in the first 6 months
Multipliers: 3% cash back on online purchses up to $6000, 3% back on grocery stores up to $6000, 3% cash back on gas up to $6000
Annual Fee: $0
Capitol One Savor One
Welcome Bonus: $200 after you spend $500 in three months
Multipliers: 3% on dinning, entertainment, streaming, grocery stores, 8% at Vivid Seats
Annual Fee: $0
US Bank Altitude Go
Welcome Bonus: $200 after you spend $1000 in four months
Multipliers: 4% cash back on Dining, 2% Gas Stations, Grocery Stores, Streaming
Annual Fee: $0
Gas Card
USAA - for military and families 5% back on up to $3000
Sam's Club - for Sam's Club users 5% back on up to $6000
Citi Custom Cash - 5% back on up to $500 each month
Costco Card - for Costco users 4% back on up to $7000
Annual Fees: $0
2% on Everything Else Card
Citi Double Cash - 2%
Wells Fargo Active Cash - 2%
SoFi Credit Card - 2%
Pay Pal Cashback - 2%
Annual Fee: $0
2% on Business Expenses
Chase Ink Unlimited - 1.5% - $0
Amex Blue Cash - 2% - $0 - (50K Spend Cap)
Capital One Spark - 2% - $150
Chase Ink Premier - 2%-2.5% - $200
Bank of America - 1.5%-2.62% - $0
Annual Fee: $0
5% on Mobile Pay - Kroger
Welcome Bonus: NA
Multipliers: 5% cash back on mobile pay for up to $3000, 2% cash back at Kroger
Annual Fee: $0
Connor's Recommendation
The Ultimate Free Cash Back System
5% Grocery Stores - Citi Custom Cash
(5% Q1 Discover It & Freedom Flex)
(3% Grocery Stores - Savor One, Blue Cash)
4% Dining - US Bank Go
(5% Dining - Citi Custom Cash)
(3% Dining - Freedom Flex, Savor One)
5% Gas Stations - USSA / Citi / Sam's / Costco
5% Phone Services - Ink Cash
5% Internet - Ink Cash
5% Cable - Ink Cash
5% Home Utilities - US Bank Cash+
5% Airfare - Freedom Flex & US Bank
5% Transit - US Bank Cash+
5% Gym Fitness Centers - US Bank / Citi
5% Office Supplies Stores - Ink Cash
5% Various Types of Stores - US Bank, Citi, Kroger
3% Streaming - Savor One (up to 5%)
3% Entertainment - Savor One (up to 5%)
3% Drugstores - Freedom Flex (up to 5%)
2% Everything Else - Citi Double Cash
3% Online Pay - Amex Blue Cash Everyday
5% Mobile Pay - Kroger
General Strategy
Maximize the rotating Discover It and Freedom Flex categories, move Citi Custom Cash and US Bank Cash+ categories around for best uses, fill in with others and use a 2% cash back card for all non category spent. Many people like to take their cash back and invest it