My lineup, no annual fees, focused on getting cashback:
Dining: 5.25%, $2.5k/quarter/card - BofA Custom Rewards
Wholesale: 5.25%, $2.5k/quarter/card - BofA Custom Rewards with Costco e-gift cards
Online: 5.25%, $2.5k/quarter/card - BofA Custom Rewards
Travel: 5.25%, $2.5k/quarter/card - BofA Custom Rewards. For uncapped no FTF 3% - AAA Travel
Grocery: 5%, limit $10k/year - AAA Daily (can only have either AAA Travel or Daily per person)
Gas: 5%, limit $7k/year - AAA Travel
Utilities: 5% - Chase Ink Business Cash
Other: 2.625% - BofA Unlimited Cash Rewards
Overseas (No FTF):
- Dining, Grocery: 3%, Gas 5% - AAA-Travel
- Other: 1.5% - CapitalOne QuickSilver
Notes:
BofA Platinum Honors required for 5.25% categories and flat/other 2.625%
Wholesale: e-gift card works surprisingly easy compared to physical. ~30 minute delay from ordering until it's received in the email (e.g. can order on the way to the store), can leave an email draft with remaining balance, no losing cards, can tack on food court orders at regular checkout
Online: Things that also count: online order for in-store pickup, anything that can charge Paypal, online giftcards (
with separate cashback) to stores, in-person app payments like Kroger, Publix, and Walmart. Also anything that can charge through Paypal.
Comenity: people have
reservations, but I'm not concerned. #1 and #2 I don't care about. Well, #2 is apparently a semantic issue, current balance actually means last statement balance. Now #3 is an issue, but it's a new product, they have acknowledged it and said it will be fixed.