The card's rewards structure isn't the easiest to remember. But its useful bonus categories, flexible rewards and outstanding welcome offer make it a top contender among cash-back cards.

While it might seem like cheating, the truth is that loopholes in anything from game rules to laws exist only because someone didn’t do their due diligence. As they say, don’t hate the player, hate ...

For how much longer can the government foot the bill? The assumption is, another revenue stream would enable banks and fintech firms to innovate.