@Aim_High We do have verizon but she is on my phone plan so that eliminates the verizon visa, BOA might be an option but she isnt a big BOA fan...
@SouthJamaica wrote:
@Aim_High wrote:The value of TY points for cash, gift cards, or statement credit can be as-high as 1 cpp but is often less, sometimes as little as 0.5 cpp.
The cash value of TY points is exactly 1 cent.
Thanks for pointing that out, @SouthJamaica. I don't have a CITI TY-point earning card but I had added a link to a third-party website as you were posting your reply, which I had used to check TY value.
It appears that Citi changed the cash value of TY points to 1 cpp in 2022 per >this web article.< But also, while cash value of TY points on the Premier card is 1 cpp, it may be less on other cards. (I believe Rewards+ is still 0.5 cpp when redeeming for cash, so this might have led to some confusion in point valuation discussion.)
But yes, for this discussion, points could be cashed-out for 1 cpp, less any lost value from the $95 AF.
@Aim_High she has an iphone but she not that savy when it comes to stuff like that. She doesnt use apple pay at all.
The more you tell me, @Harvey26, the more it sounds like DM need to product change her Flagship Rewards to a cashRewards, as long as she has a direct deposit. (Please don't tell me that she doesn't!! Lol 
)
Keeping-it-simple sounds like the best approach. One login for banking and credit card. No AMEX. Baseline simplicity rewards. No mobile wallet. No AF. Easy-peasy. 
@Aim_High LOL yes she does! NFCU is her primary bank. I think i will write all these good options down and narrow down to one and report back!
@AndySoCal wrote:@Aim_High @Harvey26 Sorry I did not scroll far enough down to see the annual fee my error. So I remembered seeing some credit unions that had credit cards for gas and groceries
There is this card Pen Fed Platinum Rewards Signature Visa 5X on gas 3X on groceries and no annual fee. There would be the joining the credit union etc to do. See the link below
https://www.nerdwallet.com/reviews/credit-cards/penfed-platinum-rewards
No worries, @AndySoCal.
PenFed Platinum Rewards could be a contender also but I wanted to point out some caveats about this card that might not be readily apparent.
- The card earns "points," not cash back. So 5x or 3x is not necessarily going to be worth the same as 5% or 3%.
- Points are not redeemable for direct cash; Points are redeemable for travel, gift cards and merchandise.
- Travel redemptions normally yield the highest point value, usually about 1.7 cents per point.
- Value for gift cards and merchandise is normally only 0.85 cent per point outside of special promotions. So for gift cards, the rewards rate for gasoline is 5x (times 0.85) = 4.25%. And the rewards rate for groceries is 3x (times 0.85) = 2.55%. Not a bad return, but worth noting when comparing to cash back. And of course, redeeming for gift cards is less convenient and there is a small incremental "opportunity cost" on the gift card in lieu of earning additional rewards on that spending and then taking the cash.
- Rewards expire in five years if not claimed, unlike the PenFed Power Cash Rewards and other cards where they never expire as long as the account is in good standing. Program Rules link.
@Aim_High Update: DM is eyeing the CSP. She is in her "Travel Lady" era lol Probably will pull the trigger she is really loving the 1:1 Point Transfer.