[thebean11]

You can get more if you are willing to deal with the points. For example, Chase will give you 3 points per dollar on some cards on some categories, and Amex will give you 4. Those points can be >$0.01 each transferring to airline miles (or in the case of Chase $0.015 "paying yourself back" for restaurants). No card will give you 4.5% cash back on restaurants.

[ThunderSizzle]

That "3 points per $" on Chase cards also translated to credit statements when 2020 happened. It was an effective cash back at the same valuation of the points if used on travel through thr travel portal.