Flat-rate vs category cashback
Flat-rate cards pay the same percentage on everything — simple and predictable. Category cards pay more on specific spends (online, dining, fuel) but less elsewhere. The right pick depends on how concentrated your spending is.
Don't ignore the fee waiver
A card with an annual fee can still beat a lifetime-free card if its higher cashback clears the fee and its waiver threshold matches your spend.
Stacking cards
Many savvy users hold one flat-rate card plus one or two category cards, swiping whichever earns most per purchase. Our wallet optimizer does this math for you.