My most used card is Amex gold. 4% points on restaurants and grocery stores uncapped. I then convert to delta points which are worth about 1.4c when used for first class tix on the nonstop from SAN to Detroit, which I do annually for thanksgiving. So about 5.6%. The annual fee is made up for by the $1000+ welcome bonus. They also put $10 a month into your Uber account for either rides or food, but it doesn’t roll over.
Second best card IMO is the Wells Fargo 2% on everything card. It is slightly better than the other 2% cash back cards, easier redemption and higher welcome bonus.
