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    Cashback Cards

    Earn on every purchase.

    Citi Double Cash

    • 2% on everything.
    • $0 annual fee.
    • Senior simple.
    • No categories.
    • Solid baseline.
    • Default card.

    Discover It

    • 5% rotating categories.
    • $0 annual fee.
    • 1st year doubled.
    • Senior bonus year.
    • Quarterly activate.
    • Up to $300 bonus.

    Costco Anywhere Visa

    • 2% Costco purchases.
    • 4% gas.
    • 3% restaurants + travel.
    • Senior frequent shopper.
    • Costco membership required.
    • Free with Costco.

    Amazon Prime Visa

    • 5% Amazon + Whole Foods.
    • $0 annual fee.
    • Need Prime $139.
    • Senior heavy Amazon.
    • Worth easy.
    • Apply online.

    Senior simplicity

    • Don't over-complicate.
    • 2-3 cards max.
    • Auto-pay full balance.
    • Senior easy.
    • Skip annual fee cards.
    • Track spending app.

    Watch outs

    • Don't carry balance.
    • 20%+ interest kills rewards.
    • Auto-pay full.
    • Senior credit smart.
    • Pay each month.
    • Else lose game.

    Citi Double Cash = senior simplest

    Citi Double Cash 2% on everything, no annual fee, no categories = senior simplest. Add Discover It 5% rotating + Amazon/Costco card if shop heavy. 2-3 cards max. Auto-pay full. $500-$1,000/yr cashback typical. Don't carry balance.