I have the Schwab FIA card and the HSBC Orchard card which are 2% on every purchase. Amex is 3% on gas/travel/restaurant. Discover is 5% on gas/other-stuffs s

I have the Schwab FIA card and the HSBC Orchard card which are 2% on every purchase. Amex is 3% on gas/travel/restaurant. Discover is 5% on gas/other-stuffs sometime. Sometime there are promotion on Amex gift cards with 2% to 4% rebates. I would buy those with my Schwab card, getting effective 4% to 6% rebates. Edit: Funny story, I used this $3000 Amex gift card in Starbucks and the cashier said someone was really nice to you to give you that. I smiled. Yeah, I'm nice to myself.