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Cashback Pragmatist
Points Are Cope. Cash Is King.

Cashback Pragmatist

You want a simple, high-yield setup that puts actual dollars in your bank account. No transfer partners, no award charts, and no blackout dates—just cold, hard cash at the highest possible percentage.

warning ANNUAL FEES
-$0
verified_user CREDIT VALUE
+$0
POINTS/MILES
+$0
emoji_events NET VALUE
+$0
bolt

Build Your Loadout

SLOT 1

The Flat Rate Core

Uncapped 2% (or more) on every single purchase. This is your default card when no other category applies.

SLOT 2

The 5% Category Nukes

Surgical cards used to hit 5% cash back on your heaviest spending categories like groceries, dining, or home improvement.

SLOT 3

Lifestyle & Utility

Boosters for recurring household bills, including 6% on streaming and groceries, or 5% on Amazon and utilities.

SLOT 4

The Specialist Booster

Niche rewards for the road and retail, ensuring 4-5% back on Gas, EV charging, and Wholesale clubs.

Rules of Engagement

1

Index Fund Transfer

Treat your cash back like an investment—automate monthly transfers from your rewards to a brokerage account.

2

No Net AF

A Pragmatist never loses money to a bank. If a card has an annual fee, its specific credits (like the Disney or Hulu credit) must make the card net-positive.