Edit: My utilities are included in my monthly apartment rent, which I pay with Bilt Mastercard. Not cashback so didn’t include it.

Edit 2: hot take: BCP with annual retention offers is the best card in the game right now.

Have you seen a cash back setup more beneficial than this?

Blue Cash Preferred:

-6% Groceries

-6% Streaming

-3% Gas

-3% Transit / Rideshare

Amazon Visa

-5% Amazon (online retail)

Citi Custom Cash

-5% Dining

US Bank Cash

-5% Cell Phone & Internet

TD Double Up

-2% Everything

This setup gives me roughly $150 per month. I don’t use a cash back card for travel. Very happy with how the chips fell for me. Any suggestions to improve is encouraged!