I have one from Bank of America, I get 1% on everything, 2% on groceries, and 3% on a category of my choice. For the first 12 months, the 3% gets doubled to 6%. My category is “online shopping” and it’s restrictions are very loose, so if I’m going to buy something at the store I just order it for pickup online and get the 6% back.
There was also a $200 bonus if you spent a certain amount in the first 90 days, which since it is my primary card was met almost instantly. Including that bonus, I’ve got close to $400 in rewards since mid-August.
Edit: no annual fee.
Small businesses are also generally going to be more than 4% more expensive than big box stores.
I get what you’re saying, really, but when you’re broke, you’ve only got so many bullets to fight with your wallet.