Agreed, especially for those who have the patience to navigate various loyalty programs to maximize the value of MR points transfers to hotels and/or airlines (not me). There is incredible potential there.
For “groceries” I have 6% cash back with Amex Blue Cash Preferred ($95 AF, which I’ve never actually paid) or 4.5% back when I use my US Bank Altitude Reserve via Apple Pay at the grocery store.
Or 5.25% cash back on one of my no-AF B of A 3/2/1 cards and Platinum Preferred relationship bonus.
Now I’m hungry. 