I only care about meeting the bonus spend requirement. Chasing even 5% on certain category spend usually just incentivizes overspending. I’ve been lucky to be

I only care about meeting the bonus spend requirement. Chasing even 5% on certain category spend usually just incentivizes overspending. I’ve been lucky to be on some promotion where I can pay my rent for free using a credit card, so usually I just do that or buy prepaid Visa cards, which then isn’t tied to my identity when I transact with it.