3. Schwab Visa with 2% back on all purchases
I have a RBS card that gives me
3% cash back paid each month in the category that I use most (as far as I know, there are no excluded categories). So this card would work for this purpose even with the fee they charge.
The only thing is that I do not know how one would get the card today. I got it through a direct mail and have been using it for over 2 years now.