This student card earns 2% cash back on up to $1,000 per quarter in combined spending on gas and at restaurants, plus 1% on everything else.

The combined 2% rewards rate — 1% when you make a purchase and 1% when you pay it off — is among the best on any cash-back card, especially for an annual fee of $0. Many or all of the products ...

It’s this variety that fuels the hybrid approach, combining credit cards, bank transfers and digital wallets to pay bills.