What do you want out of your credit card rewards? For just straight cash back, the math is pretty straightforward, with 2% back being the best you'll get for default earn rate, not bonus multiplier spend categories. But the highest rewards value is going to come from business or first class International flights, where you can potentially get 10 cents per point of value. Do you plan to fly to Asia or Europe? That bucket list trip to the Maldives in over water villas? You don't have a ton of business spend, and not any that would fit in bonus categories, so you would have to save up for a while. Rewards programs can change over time, so a more flexible credit card rewards program will offer the best safeguards against certain airline or hotel rewards program devaluations. Chase is the best for this, but your earn rate would only be 1.5x from the Ink Unlimited , giving you 112.5K points for 75K spend. Amex is the runner up for most flexible rewards program, and can earn 2x with the Blue Business plus, but only on the first 50K of spend, so you'd only get 125K points from your 75K spend. Not all of your vendors may accept Amex either, so the extra 12.5K points may not be worth it. Capital One Spark 2x would earn 2x all day long. The $95 fee is fully offset by the $100 travel credit, and is also waived the first year. You'd have no problems getting a full 150K points, which would probably justify the fee already. And the better earn rate matters more as your spend increases. And not have to worry about a MasterCard being accepted. If Capital One rewards has the right transfer partners for you, then this may be the best option. You would just need an excellent credit score to get approved. More on reddit.com

I detected that your post may be about utilization and its impact on credit score. Please read the info below: Ignore the 10/20/30 utilization %. It’s only applicable when you need to apply for a new line of credit, 1-2 months out. Utilization is suppose to fluctuate, can be easily manipulated, and holds no memory. It doesn’t build credit--think of it as a finishing touch when you need to optimize your score. Feel free to safely and organically use 100% of your credit limit within a month and let whatever utilization report, provided you pay off your statement balance in full before due date. Every month. Every time. For more info, please read this post: Putting the "30% rule" myth regarding revolving utilization to rest Credit Card Basics - Utilization I can be summoned to comment by using command(s): !utilization Sometimes my comment may not pertain to your post. If this is the case, please ignore this and downvote it. I am constantly improving my detection algorithm. I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns. More on reddit.com

My current setup: Bank Of America Customized Cash Rewards (with Platinum Honors): Restaurants (5.25%) Bank Of America Customized Cash Rewards (with Platinum Honors): Gas (5.25%) and Costco (3.5%) Citi Custom Cash: Groceries (5%) US Bank Cash+: Utilities and Phone bills (5%) Bank of America Unlimited Cash Rewards (with Platinum Honors): Catch all (2.625%) More on reddit.com

Cash back. It’s just easier. More on reddit.com