Benable — create shareable lists of things you recommend!

E.g., products you love, local businesses, travel recs - you can add anything to a Benable list!

Discover

💳 Best Credit Cards for Maximum Cash Back (Every Category Covered)

25 items

Simon Rishty

This list is built to maximize rewards in every major spending category—groceries, dining, gas, travel, online shopping, home utilites, and more—using the best-performing credit cards available today. Most top cards offer 3%–6% or more cash back in s...

Sections

⚙️ The “Use It Everywhere” Cards

🧩 Custom Cashback: Pick Your Own 5% Categories

🔄 Best Rotating 5% Categories Cards

🛍️ High-Use Shopping Cards

✈️ Premium Travel Without the Hassle

🛒 Groceries That Pay You Back

⚙️ The “Use It Everywhere” Cards

These are your workhorse cards—the ones you use for everything that doesn’t fall into a bonus category. These cards give you a strong flat return (typically 2% cash back) on all purchases. They’re the foundation of any optimized setup: Use category c...

Earn a flat 2% cash back on everything —1% when you make a purchase and another 1% when you pay it off. There are no categories to track, no caps, and no activation required, making it one of the simplest and most reliable cards out there. This is th...

Citi Double Cash®

Simple, no-nonsense 2% cash back on everything with $0 annual fee, making it one of the best “set it and forget it” everyday cards. Earn a $200 bonus (after $500 spend) and take advantage of a 0% intro APR period, plus perks like cell phone protectio...

Wells Fargo Active Cash®: Earn 2x on Everyday Purchases | No Annual Fee

Earn 1.5% cash back on all purchases, plus elevated rewards on travel, dining, and drugstores. The real value comes when you pair this with the Chase Sapphire Reserve Credit Card. By transferring your rewards into the Sapphire Reserve, your points ca...

Chase Freedom Unlimited

🧩 Custom Cashback: Pick Your Own 5% Categories

These cards let you choose 5% cash back in the category that matters most to you or already give high rewards consistently for specific categories. Unlike rotating category cards, this setup gives you full control and consistency. Set a category (lik...

My strategy with this card is to assign it to one category at a time and treat it like a dedicated 5% card. You don’t have to manually select anything—just spend in a different category and it will automatically apply 5% to the category you spend t...

Citi Custom Cash (Great For Gas, Tolls, & More!)

Earn 5% cash back on TWO categories you choose each quarter (on up to $2,000 combined spend). This is one of the most customizable 5% cards available, letting you tailor rewards exactly to your spending instead of adapting to preset categories. My fa...

U.S. Bank Cash+ (5% On Home Utilities, Clothing, Gas & More!)

Earn 5% cash back on office supply stores + internet, cable, and phone services (up to $25K/year), plus 2% on gas and dining, and 1% on everything else. This is one of the most underrated high-reward cards, especially if you know how to use it: Offic...

Chase Ink Business Cash (office supplies internet, cable, & phone services)

🔄 Best Rotating 5% Categories Cards

These are the cards that offer rotating 5% cash back categories, changing every quarter—think groceries, gas, Amazon, dining, PayPal, and more. When used correctly, these can deliver some of the highest rewards of any credit card, often outperforming...

Rotating 5% cash back categories (on up to the $1,500 quarterly limit) plus a $100 signup bonus when using my referral link. What makes this card stand out is the Cashback Match in the first year—Discover matches everything you earn. That effective...

Discover It (My First Credit Card)

Earn 5% cash back on rotating quarterly categories (up to $1,500 per quarter when activated), plus: 5% on travel through Chase Travel 3% on dining and drugstores 1% on everything else Typical rotating categories include things like Amazon, grocerie...

Chase Freedom Flex

🛍️ High-Use Shopping Cards

For shopping, I’m intentional about which cards I open. Every application comes with a hard inquiry, so I want cards that I’ll actually keep using—not something tied to a store I may never shop at again. My focus: Cards I can use across multiple reta...

If you have Amazon Prime, you need this card. Earn 5% cash back at Amazon and Whole Foods, plus elevated rewards on dining, gas, and travel, with no annual fee (Prime membership required for the 5%). This is one of the easiest high-reward setups ...

Amazon & Whole Foods

Rakuten Credit Card — Maximize Rakuten Rewards (5%–20%+) This card turns Rakuten into a high-return rewards engine. When you shop through Rakuten, you get an extra 4% cash back from the card on top of Rakuten’s normal rates—meaning you’re typically e...

The Rakuten American Express® Card

Earn 3% cash back on purchases made through PayPal, with no annual fee. This is one of the simplest ways to consistently earn elevated rewards on online spending. PayPal is accepted across a huge number of sites, so a large portion of everyday online...

PayPal Cashback Mastercard®

Get $75 back (or discount) after your first purchase, making it a solid option if you’re already planning a large order from Wayfair. Earn 5% back at Wayfair (or 7% on qualifying items), which can add up quickly on big home purchases like furniture a...

Wayfair Credit Card

A strong option for rehabbers, landlords, and contractors who spend heavily at Lowe’s. You can often negotiate better pricing on products you buy frequently through a dedicated account representative, plus earn 5% discounts on many eligible purchases...

Lowe’s Commercial Account (Great for Rehabbers & Contractors)

✈️ Premium Travel Without the Hassle

Travel cards are where you can unlock some of the highest overall value, combining strong rewards with perks that directly offset real costs. The best travel cards offer: 2x+ rewards on everyday spending Elevated rewards through travel portals Cr...

Earn 3x points on a wide range of everyday categories—including dining, travel, gas, transit, streaming, and phone plans—with no annual fee. This is one of the best all-in-one, no annual fee cards because it covers so many common spending categorie...

Wells Fargo Autograph® (Best No Annual Fee Travel Card)

The $395 annual fee more than pays for itself very easily if you spend $400 in travel. You get a $300 annual travel credit, 10,000 bonus miles each year (worth $100), and perks like a Global Entry / TSA PreCheck credit and Priority Pass lounge access...

Capital One Venture X Travel Rewards (Best Mid Tier)

Premium travel card with strong, easy-to-use value. $300 annual travel credit Priority Pass lounge access Global Entry / TSA PreCheck credit And more High-value points (best when paired with Chase cards) Strong dining rewards (3x points on dining wor...

Chase Sapphire Reserve (Best-Value Premium Card with Easy-to-Use Points)

🛒 Groceries That Pay You Back

Groceries are one of the highest-spend categories for most people, which makes them one of the most important to optimize. The best cards earn 3%–6% cash back at supermarkets, turning everyday spending into meaningful rewards. This category is powe...

Top-tier grocery card with 6% cash back at U.S. supermarkets (up to $6K/year), plus 6% on select streaming and 3% on gas/transit. The $95 annual fee is easy to justify—maxing the grocery cap earns ~$360, or about ~4.4% net after the fee. Break-even p...

Amex Blue Cash Preferred® Card

If you use Instacart, you should have this card. Earn 5% cash back on Instacart purchases (up to $6,000/year) This is a very straightforward, high-value card if Instacart is part of your routine: Covers groceries, household items, and everyday essent...

Instacart Mastercard® from Chase

Best no annual fee option for everyday spending. Earn 3% cash back on groceries, gas, and online shopping (up to $6K per category), making it perfect for anyone spending under ~$3K/year on groceries who still wants to maximize that category. Simple, ...

Amex Blue Cash Everyday®

🍽️ Dining Rewards That Actually Hit

Cards that turn everyday meals into real rewards. Whether you’re dining out, ordering in, or grabbing something quick, these picks deliver strong returns without overcomplicating things—simple, high-value rewards on spending you’re already doing.

Simple, no-annual-fee card built for everyday spending—especially dining. Delivers strong, easy cash-back value without overcomplicating rewards. Key Highlights: 4X points on dining (takeout & delivery included) 2X points on groceries, gas, and s...

U.S. Bank Altitude™ Go Visa Signature® Card | U.S. Bank

Best for someone who spends heavily on dining and groceries and can go well beyond typical cashback caps. With 4X points on restaurants and supermarkets , it’s a strong upgrade if you’re outgrowing cards like Blue Cash Preferred and want more upside ...

American Express® Gold

🛠️ Credit & Cashback Tools

Smart, simple tools to help you understand, monitor, and improve your credit—while also maximizing cashback and everyday rewards without guesswork. This section focuses on clarity: seeing where you stand, what’s impacting your score, and how to move ...

Free, easy way to stay on top of your credit without any impact to your score. You get regular updates, alerts for changes, and clear breakdowns of what’s helping or hurting your profile. It’s especially useful for monitoring progress, catching iss...

Credit Karma (Equifax and Transunion Reports)

A simple way to potentially increase your credit score by getting credit for bills you’re already paying—like utilities, phone, and streaming services. It works by adding positive payment history to your Experian credit report, which can help if you ...

Experian Boost - Improve Your Credit Scores for Free

One of the best tools for actually using your credit cards the right way. It tracks all your cards in one place, shows which card to use for each purchase, and automatically surfaces offers (like Amex Offers) so you don’t miss easy savings. What ...

MaxRewards – #1 App to Manage Credit Cards & Maximize Rewards

Rakuten — Cashback Tool (Website, App & Extension) Earn extra cash back on purchases you’re already making by using Rakuten through their website, mobile app, or Chrome extension. Review Note: One of the easiest “tools” to boost rewards without c...

Rakuten — Cashback Tool