Originally Posted by
cjw2001
There are lots of options, just not in a single card. Get a flat rate 2% cashback card as a base (Wells Fargo Active Cash, Citi Double Cash, etc.) then add other cards that offer 3% in specific categories (e.g. Wells Fargo Autograph for 3% on travel, ransit, phone service, streaming, gas, and restaurants and Amex Blue Cash for 3% on groceries and online shopping). Sprinkle in a few 5% rotating category cards for seasoning (Citi Custom Cash, Discover, Chase Freedom). Use each card only for the appropriate high payout category and put the remainder on the 2% card.
Spread the above card acquisition strategy out over a reasonable amount of time (based on your credit score, number of recently acquired cards, and spending habits) and enjoy the sign up bonuses along the way.
If OP is willing to play the game with combo of multiple cards, yes lots of options. One of the best to consider for their case may be the
Citi Custom Cash Credit Card. It is 5% cash back in highest
ELIGIBLE spend category each billing cycle (up tp $500 spent).
If the goal is to get bonus on the $600/ month insurance spend, this could be worth considering - would bonus at 5% on $500, then 1%, but still cover a category that few cards cover (insurance) - pun intended.
EDIT as noted in a post below, insurance is not an eligible category on this card.