"Discover: 1.5 Miles per $1 spent on all purchases." - Yes, but you missed something, they do a cashback match the first year, making it 3% for the first year.

https://www.discover.com/credit-cards/resources/earn-more-re...

>With Cashback Match, Discover automatically matches all the cash back new cardmembers have earned at the end of their first year on their credit card.1 Discover will apply the match after the first 12 consecutive billing cycles, within the following one or two billing cycles.

At the end of the first year you can apply for a new one and get cashback match again for another year. You can hold two Discover cards at once, so the third year you'd have to close the first card, before applying for a third and at the fourth year close the second, and so-forth (people talk about actually doing this, not worth the hassle for me, and I got the USAA Limitless 2.5% card)

As for a Fidelity account - a Cash Management account has no fees and no minimums and is a useful account to have (offers ATM reimbursements)

I thoroughly believe that late fees and such are taxes on poverty and contribute to inequality, but I feel like without at least a nominal one, people will just pay bills late all the time. I suppose they’ve done research on this but it seems risky.