conversation: User (bloogza): "Credit card offerings are not "one size fits all".\n\n\nThe rewards will differ based on the type of expenses you have and the type of rewards you want (some people want airfare miles, some prefer points or cash back).\n\n\nI spent about 5 hours combining the offers of 45 different cards from Amex, CapitalOne, Citi, Chase and Discover, Bank Of America and Wells Fargo.\nYou can fill up your personal monthly expenses (https://imgur.com/VFjbSy0), then see the list of credit cards (https://imgur.com/vPgCCTL) and see which one will give you the most rewards (https://imgur.com/EHFqA3C)\n\nSee the spreadsheet: https://docs.google.com/spreadsheets/d/1KoyGO844SQqi8_heA-OXdKa6fwLQe-9SEvlhxrReMSk/\n\nEdit: Added Amazon\n\nEdit2: fixed link to remove "/edit""
  Self: "I think Citibank double cash is the best for the lazy. I used to keep 3-4, cards and sit at the register trying to remember which one offered the best return wherever I was and typically screwed it up. I'm happy with the 2%"
  EthericIFF (EthericIFF): "If you qualify for the USAA limitless cashback, it's 2.5% on everything.\nIf you are willing to keep &gt;=$100k in BoA and Merrill Edge assets (could be IRAs), the BoA Premium Rewards card is 3.5% on travel and dining, 2.6% on everything else.\n\nUSAA: No annual fee, no foreign transaction fee, chip+PIN option, but you need to qualify for USAA checking and maintain &gt;= $1000 direct deposit/month for the full 2.5.\n\nBoa: $95 annual fee, but it may be fully offset by an odd travel credit"
  frasermunde (frasermunde): "+1 for usaa limitless. I’ve earned $530 in cash back this year!"
  joe183288 (joe183288): "My stepdad is retired military, any idea if that would qualify me? "
  Jsn1986 (Jsn1986): "My stepdad was former Navy and I have USAA."
  