US card-issuing banks compete by offering varying bonuses for using their card. Typical offers will be 1% cash back or 1 frequent flier mile per dollar spent, b

US card-issuing banks compete by offering varying bonuses for using their card. Typical offers will be 1% cash back or 1 frequent flier mile per dollar spent, but this can flex up to 5X in whichever category that particular card specializes in, often linked to a particular merchant. If you can shift the lion's share of your purchasing onto rewards cards, you can bank hundreds of dollars per year, especially if you use the card for business travel and expenses. There's an opportunity for that to increase by 2X or more if you can put your purchases on the "best" card.