I gave up on optimizing and just use the Robinhood Gold 3% cashback card everywhere (except Amazon/WF, where I use their 5% Chase card). I can probably get more than 3% cashback in some categories on other cards, or more ROI by switch to points, high-tier cards like Chase Sapphire, and churning, but I just don't care.
The gain of a few thousand per annum is not worth the mental distraction.
The gain of a few thousand per annum is not worth the mental distraction.