我的经验

有关保底的卡，其实2%的cashback 并不多，我用BOA premium rewards, 1.5%, 但如果你有10万在BOA（保括所有帐户，including brokerage account), 就还乘以1.75，所以是2.625返点。我用这个卡交estimated tax，因为费用为1.87% and back 2.625%

 

另外CSR is better than CSP, it includes rental car primary insurance, also 3%travel, restaurant, a lots more benefits 

 

I also use chase ink business, which is 5% for office and internet, phone,tv. I have Airbnb, so it accurate a lot points.

 

Pay all my utilities (auto pay) mostly use credit card, 5% or 1.5% points, the really cash back should be more than 5% and 2%.