The combined 2% rewards rate — 1% when you make a purchase and 1% when you pay it off — is among the best on any cash-back card, especially for an annual fee of $0. Many or all of the products ...

Terms apply. If groceries, gas and online shopping are significant parts of your budget and you refuse to pay an annual fee, this card is a fine choice.

Over my forty years or so in and around dealing rooms and financial markets, I have heard many theories as to how to approach that problem and have settled on a process that has worked for me.