Assuming that you spend enough travel on the card such that you can use your points to cancel out that travel, which is different than a chase bonus where you have to spend those points in the portal and book in the portal, U.S. Bank also does that, but you can just book the travel and they'll let you credit it off your statement.

So that makes mobile wallet and travel spending four and a half percent cash back, which is really amazing. I've actually heard people booking travel, redeeming the points to credit it off and then canceling it if it's a refundable airfare and then still being able to keep the points. But I don't think it would be that hard to make sure that however much you spend on the card, you put four and a half percent of your spending into the travel