[frockington]

After and afternoons worth of research I've manged to get ~4% back on every purchase. As long as you have a decent credit sore you can really optimize your "cashback" and beat the fees. If you're one of the churner people I'm sure you could do much better

[azinman2]

What card gives you 4%? And how long will that last? Just wait until interest rates start to climb...

I opened years ago a Schwab checking account with 4% interest. Now it’s something like 0.04%.

Regardless, the merchant never got their 3-4% back! Which means everyone has to pay 3% more for their items, cash or credit card.

[volgo]

How do you get 4% cash back without using any of those airline points? I mean straight up cash back

[frockington]

Chase Freedom and Discover IT have 5% rotating, I also normally redeem my point for travel and get 1.5x multiplier for that