Just wondering how setup I am given the credit options out there. I never carry a balance, so low APRs don't matter to me, and I don't fly one airline enough to get status, so perks I can get through the card are used (e.g. Hilton Gold, Priority Pass for me + people who I travel with).

I'm carrying with me now:

Associated Bank Cash Rebate: use exclusively for food/pharmacy @ 5% back, up to $300, no fee.

PenFed Cash Rebate: use exclusively for gas and all other purchases @ 5% gas, 1.25% everything else, no fee.

Chairman Mastercard: Use for airline purchases, and some web purchases depending on additional TY points from the merchant, love the Priority Pass for me + 3 guests, $395/yr.

Without question, I come out way ahead each year, but could I be doing better on my returns?