you can get pretty creative with cash back cards to get 2% or better on everything. combining chase freedom, discover it, citi double cash, and maybe one of the amex blues should get you quite a bit of cash back for little to no annual fee. plus, they're generally easier to get than premium cards.

if you don't travel, i don't really see the point in getting a card that earns flexible points. it's nice that they offer sign-up bonuses which can be converted to cash, but you'll have to be diligent about picking ones with waived 1st-year fees and canceling them in time to avoid the 2nd year fee. given the cash redemption rates for flexible points, annual fees are going to wipe out way too much of your return to be worth keeping open.

just curious - do you not like traveling? i didn't used to travel much until "the hobby" (ugh that term) unlocked a lot of opportunities for me.