Honestly, I've recently realized that relying on just one high cashback rate card is a mistake. Simply using different cards for online shopping and regular purchases can make a huge difference in the points you earn. For example, if you're a Rakuten user, you get 3% cashback on Rakuten Ichiba; if you're a convenience store shopper, 7-Eleven offers 2% cashback. Choosing a card based on your most-used places is key.

After trying various options, it's safest to start with a card that has no annual fee and offers a cashback rate of over 1%. PayPay, Rakuten Card, and JCB Card W are popular choices, but each has its strengths in different situations. PayPay gives 5% cashback on Yahoo! Shopping, and Rakuten Card can go up to 18% cashback on Rakuten Ichiba. These high cashback rates at specific stores really help you feel like you're earning points.

Another often overlooked point is whether the high cashback rate card supports double earning points through charge-based transactions. Some cards, like those combined with au PAY, offer 1.5% cashback, while others do not. Choosing a card that matches your most-used payment methods can significantly boost your points efficiency.

Honestly, just holding one or two high cashback rate cards can make a noticeable difference in your monthly shopping. Starting with a no-annual-fee option is a good way to try it out.