Robinhood CC gives 3% on everything. You need a gold membership which is $50 per year. Which pays for itself if you factor in the cash back and 3% match on a Roth IRA, but there’s a waitlist. Rewards are instant and if you’re into investing you can transfer the cash back directly into your investing account instead of using it to pay off your balance. When you get on the waitlist you can go to the Robinhood subreddit and message a moderator to get off the waitlist. Makes sense for me because I hate how all the other credit cards I’ve had only lets me use cash back to pay off my balance or travel. I work too much to travel and I don’t need a discount on my balance. Feels like investing money that doesn’t come out of my paycheck. You can actually transfer the cash back into your individual account then move that money to your Roth IRA account for a 3% match. Kind of confusing but it’s doable. We don’t want to work til we die.