Just an unsolicited pointer, but if you're US-based you might consider computing the cost/benefit of an Amex blue cash preferred. It carries an annual fee of $

Just an unsolicited pointer, but if you're US-based you might consider computing the cost/benefit of an Amex blue cash preferred. It carries an annual fee of $95, but the 6% back on groceries (on your first $6000/yr) and 3% on gas add up pretty quickly.