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Maximize credit card rewards by matching 3% cash back to your biggest spending categories with top card picks.

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21 Oct 2026
Fool - Investing News
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Maximize credit card rewards by matching 3% cash back to your biggest spending categories with top card picks.

Earning 3% cash back on credit card spending can significantly boost annual rewards, but no single card offers 3% on all purchases. The key is to match high cash back rates to your largest spending categories, such as groceries or travel, while using a 2% flat-rate card for other expenses. Recommended cards include Bank of America's Customized Cash Rewards for flexible bonus categories, American Express Blue Cash Preferred for groceries, and Wells Fargo Active Cash for everyday spending. This strategy helps optimize rewards without complex tracking or multiple cards.

This story about 3% cash back on spending offers context for readers interested in financial rewards. For readers following Financials-sector US stocks, here is Pluang's market snapshot as of Oct 21, 2026 16:51 WIB: out of 142 priced stocks, 79 rose and 53 fell. Notable movers include CLSK at USD 8.62 with a 2.25% increase and 100% buy order activity, GLXY at USD 16.11 with a 2.19% rise, and PSEC at USD 1.52 with a 2.01% gain and 94% buy order activity.

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