What’s in my wallet

4x on U.S. supermarkets is hard to beat for everyday spend. I also reach for it at restaurants when I want MR points over Chase.

I have the Charles Schwab version specifically for the Invest with Rewards feature — I can cash out MR points at 1.1¢ each directly into my brokerage account. That's a reliable floor on every point I earn.

My default swipe for anything that doesn't have a better card. Costco only accepts Visa, so this covers gas and most in-store purchases there. I also use it for dining when I want to stack Chase points toward a transfer.

3x on streaming is the highest multiplier on any transferable points card for that category. I also use it for dining when I want Chase Ultimate Rewards instead of MR.

5x on rotating categories is one of the best return rates in the game — I activate every quarter and route my spend accordingly. Q2 2026 (Apr–Jun): Amazon.com + one other category. View current categories →

5x on your top spend category up to $500/month. My gym membership hits that category every month — effectively a set-and-forget 5% on a recurring bill I'd pay regardless.

Costco only accepts Visa in-store, and this card gives 4% on gas at Costco pumps. It lives in my wallet specifically for Costco trips — the Freedom Unlimited handles everything else there.

5% back on Amazon and Whole Foods when you're a Prime member. I swap to the Freedom Flex when Amazon is a quarterly category — otherwise this is the default for anything Amazon.