Notes

Excellent card! 4x Dining and Groceries. Make sure to utilize the credits as well for a lower effective annual fee. Also, pairs great with the Schwab Platinum card (1.25cpp base value) and the Blue Business Plus (2x MR on everything).

Notes

Amazing card to pair with any Amex card, but especially the Schwab Platinum. This card is effectively 2.5% cashback on everything (up to $50,000) with no annual fee. That's minimum value; of course, it can go higher with transfer partners.

Notes

Excellent benefits for travelling. The biggest perk of the Schwab card over the regular Platinum is the ability to cash out at 1.25cpp cash value (versus the 0.6cpp on the normal card). I would not recommend using this for normal/everyday spend, but the 5x on flights is unbeatable. Has a ton of perks. Make sure to utilize all the credits they give you. Tips: Uber credit can be used for UberEats. Airline credit will activate for cheap flights, such as Southwest flights for $79.

Notes

Great benefits for travelling. I would not recommend using this for normal/everyday spend, but the 5x on flights is unbeatable. Has a ton of perks. Make sure to utilize all the credits they give you. Tips: Uber credit can be used for UberEats. Airline credit will activate for cheap flights, such as Southwest flights for $79.

Notes

I use this as a backup to my Amex/Discover cards. It's good all-around, but not great for anything. The Blue Business Plus, for example, beats it handily, especially when paired with the Schwab Platinum. If you used this in a Chase trifecta, it would compete a little better, but it's just alright, honestly. It's a fine card. Jack of all trades.

Notes

Discover is almost on par with American Express for quality of customer service. I highly recommend them as a company. The student cashback card is great because it has 5% rotating categories (like Chase Freedom), but you also get a bonus $20/yr as a student for having a GPA above a 3.0 (have to manually claim it).