Fun weekend challenge for Team Cashback: Build your dream setup for 2026

Show what your ideal cashback setup would look like and inspire others. There are only 3 ground rules:

1. All of the cards must have true $0 AF (no coupon counting).
2. Your setup should be easily replicable (i.e. no wait-listed card like Robinhood GC or reward structure that requires special relationship with bank).
3. You can have at most 5 cards in your setup.

Your setup will, of course, depend on your spend pattern and preference (e.g. you may want to avoid doing business with Citi or WF). That's totally fine.

Here's how my setup would be:

1. Amazon Prime Visa (5-7X on Amazon)
2. AAA Daily Advantage (5X grocery + 3X Costco)
3. US Bank Altitude Connect (4X travel)
4. WF Autograph (3X in many useful categories including gas and dining)
5. Fidelity Visa (2X everywhere else)