> you can get 3-5% back on anything with the right card. That's around $4k/year if you spend $100k How in the world would a tpical person spend that much? That

> you can get 3-5% back on anything with the right card. That's around $4k/year if you spend $100k How in the world would a tpical person spend that much? That's over $8000/month with credit cards! Also... aren't your 5% cards capped at like $1500 spend per quarter ($500/month)? Do you use cash back cards in your own life, and does your usage even vaguely match the numbers you suggested here?