I can get 5X UR for groceries with Ink Cash and Staples/ODOM giftcards. Or roughly 4X AA by purchasing Visa giftcards when AA shopping portal offers 3X for giftcards.com (or 3X AA + 1.5X UR, if I use CFU). I use the giftcards.com approach because I can add their giftcards to Google Wallet and don’t need to carry physical giftcards around.

Obviously a bit more effort than just pulling out an Amex Gold card, but if I want simplicity, I can also use my Citi Premier and get 3X for $95 AF.