[Selena]

Have similar spending.

I took Venture X Business.

2x points on all uncapped.

Capital One points are good.

[Leonard]

If you’re spending at that volume, I would imagine that keeping $100K in cash or investments at Bank of America / Merrill Edge should be doable, no?

If yes, then Bank of America Premium Rewards or Unlimited Cash Rewards could be a good bet at 2.625% with Platinum Honors.

The issue could initially be the need to spend $50K monthly, but I believe Bank of America will still let you shift credit limits, so you could open 2 or 3 cards if you don’t get a big enough limit on the first one and then call them to shift most of the limits to the card you want to have a big limit on (probably need to pace yourself a bit on that — keep in mind the 2/3/4 rule for them).

There’s also a business version of the Unlimited Cash Rewards card, but getting 2.625% with that would require $100K in business accounts, so it might be easier to go for the consumer side (since moving something like an IRA to Merrill Edge would work if you have $100K in it).

Assuming $50K spent monthly, that would be about $15,900 a year in cash back.

I don’t disagree with other people that I’d still be working in at least a couple of welcome bonuses here and there (at least cash-back bonuses!) because even three or four new cards a year could easily increase that annual cash-back amount by 25% or more.

If you opened 3 INK cards at the 90K bonuses, that’s another $2800+ if you take them as cash back (and the rewards from the minimum spend requirements included).

[Willis]

The US Bank Altitude Reserve has 3% uncapped mobile wallet, and eBay takes Apple Pay.

If you actually redeem towards travel, multiply that by 1.5X for 4.5% cashback.

US Bank will almost certainly deny you unless you have low inquiries as well as new accounts, and it would help to have an existing account (get a checking and/or business checking sign up bonus).

However, you definitely also should be doing sign-up bonuses as it is free money.

If AMEX likes you, you could be doing a Biz Gold & Biz Plat every 3 months and probably some other cards from them too, and SUBs from Biz cards at other banks basically every month, including an Ink every 3 months.

Cash-out AMEX with Charles Schwab if desired.

It seems you don’t care about status (reconsider this) but if that changes then this spend could also easily get you some airline & hotel statuses.

You might run into credit limit issues and need to use multiple cards, but AMEX biz cards and maybe Capital One could help get around that with their charge cards.

[Joan]

I don’t see it mentioned but the PayPal cashback card would get you 3% back since you can check out using PayPal on eBay.

[Lorena]

Assuming you’re already into a full cash flow stage since you didn’t ask about 0% APR, then the Capital One Spark Cash is the answer.

It gets 2% cashback.

Consider two more things:

1) Churning sign-up bonuses even if only for cash

2) Cashing out your 2 million points.

That’s a potential up to $20K in hard cash that you can use to buy more inventory, pay down personal debt, or even just stick it into a high yield checking account.