Recommendation of Credit Card Usage

Things on this page are fragmentary and immature notes/thoughts of the author. Please read with your own judgement!

Tips and Traps

Avoid AMEX as it is nutorious for closing many customers' credit cards without valid reasons.
Costco is a wholesale. It is not considered as a grocery or supermarket for cashback bonus purposes.

Category	Coupon/Credit	>=5%	>=4%	>=3.5%	>=3%	>=2.5%	>=2%	>=1.5%	1%
Rent									Bilt ^[1]
Mortgage									Bilt ^[9]
Costco					RGC	BOA-M	Citi-C
Amazon		ASC ^[3]			BOA-V RGC			BOA-V
Other Online Shopping					BOA-V RGC			BOA-V
Restaurant			VVC		RGC Citi-C
Supermarket					RGC
Other Grocery			VVC		RGC Sapphire^[6]	BOA-M
Macys		AMEX-M			RGC
Uber Eats					RGC
Airline check-in bag	BOA-V: $100/yr				RGC
Flight		Sapphire^[5]			RGC	BOA-V
Travel		RGC ^[4] Sapphire ^[5]			RGC Citi-C ^[2]	BOA-V
Hotel	IHG Sapphire[7]	Sapphire^[5]			RGC
Car Rental	Sapphire^[8]				RGC
Home Depot	HDCC			BOA-M	RGC
Home Improvement & Furnishings				BOA-M	RGC
Gas			Citi-C VVC		RGC
EV Charging			Citi-C VVC		RGC
Verizon Purchases			VVC		RGC
Other					RGC		BOA-V

[1]: Use the Bilt card at least 5 times each statement period to earn points.
[2]: On eligible travel purchases only
[3]: Amazon Prime membership is required to enjoy the discount.
[4]: Robinhood Gold Card gives you 5% cash back when you book travel through the all-new Robinhood travel portal. For more details, please refer to Robinhood Gold Card waitlist .
[5]: For purchases through Chase Travel. And points are worth 25% more when redeemed for travel through Chase Travel.
[6]: For online grocery purchases excluding Walmart, Target and wholesale clubs.
[7]: Earn up to $50 in statement credits each account anniversary year for hotel stays purchased through Chase Travel.
[8]: The card comes with trip cancellation and interruption insurance, lost luggage reimbursement, auto rental coverage, etc.
[9]: Bilt does not officially support it yet even people reporting successful mortgage payment using it.