Credit Cards
Always pay full balance every month and never miss a payment.
Grocery
I utilize the Amazon Prime card, which provides 5% cashback on Whole Foods and Amazon purchases.
Online Purchases
I use the Bank of America Customized Cash card, offering 3% cashback on online purchases, capped at $2,500 per quarter.
Travel
I utilize the Bank of America Travel Rewards card for fee-free foreign transactions and 1.5% cashback.
Rent
Bilt card offers 1% cashback, which, while modest, provides better value than ACH transfers. However, it was too good to be true and Wells Fargo lost over $100 million every year, so the card was replaced by a new convoluted system. It was good while it lasted, and I can't complain as the points were used to pay part of my Japan trip.
Robinhood Card
After over a year of waiting, I finally got this 3% cashback card. I use it quite often for prescriptions and in-store shopping.