Join Date: May 2011
Location: NYC (LGA, JFK), CT
Programs: Delta Platinum, American Gold, JetBlue Mosaic 4, Marriott Platinum, Hyatt Explorist, Hilton Diamond,
Posts: 5,116
For iPhone users Apple Card is actually pretty good. 2% cash back, basically instantly, as long as you can use Apple Pay, no fees of any kind.
pair that with either Chase Sapphire Preferred + Freedom Unlimited combo (Visa) and you should be covered for $95 in total fees.