有關保底的卡，其實2%的cashback 並不多，我用BOA premium rewards, 1.5%, 但如果你有10萬在BOA（保括所有帳戶，including brokerage account), 就還乘以1.75，所以是2.625返點。我用這個卡交estimated tax，因為費用為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%.
