doctorofcredit.com is a decent place to start.
If you don't travel, and also rarely spend on fuel or restaurants at all that does cut into your potential returns somewhat... I assume you do eat SOMETHING though so you can certainly beat the hell outta 2% at supermarkets (3-6% at least depending how much you typically spend).
Likewise many (though not all) annual fee cards can be easily profitable over the annual fee but again mostly for folks who do travel and/or routinely spend in specific categories which doesn't sound like you
For business spending- depends on what (though again you'd be beating some of the #s below by quite a bit if you were using the rewards for travel instead of just cash back)
Chase Ink Cash for example gives you 5% (really 5x chase points which are 5% cash, or potentially 7.5% or more for travel) on phone, cable, internet, and everything purchased from office supply stores.
BoAs advantage cash rewards card offers 3% on category of your choice which could cover computer services or business consulting services if that fits your business spending at all- no annual fee... and that 3% goes even higher if you have any status with BoA.
But the "real money" would be in doing new card signups... where as I mention the 250k in spending can
easily net you something like $25,000+
per year in signup rewards
Now if you just want to be super lazy and hate money and just use ONE CARD FOR EVERYTHING you still can beat 2% easily... the two best options would be:
Visa® Signature Card | Alliant Credit Union
Flat 2.5% back on everything. $99 annual fee (waived first year) but you obviously make a LOT more than $99 more in cash back on 250k spend annually.
Or if you have BoA top status (meaning you have at least 100k in a BoA account including investment or retirement accounts with Merrill) you can get 2.625% back on everything (and more on some categories)- details on how to do that here-
Bank of America Preferred Rewards Program: 5.25% Cash Back On Gas, 3.75% Travel, 2.625% All Purchases - Doctor Of Credit
It is- it just leaves a ton of $ on the table each year- a LOT a LOT from not doing signups... but quite a bit still even from "regular" spending.
Hell even without doing any churning at all you should at least have 3 other chase cards (Freedom, Ink cash, and either Ink Unlimited or Freedom unlimited)- with which you'd be earning a lot more on your normal spend in a bunch of categories (5x on most, 1.5x on all the non-cat stuff you're currently only getting 1x on) and then get the same 1.5x added bonus on those points by using the Reserve to redeem em.
(also you can often beat the 1.5x bonus of the chase portal by instead transfering those chase points to specific hotel or airline programs.... for example Hyatt hotels you can usually get 2x-2.5x on bookings that way... coach airfare 1.8-2.5x isn't super hard.... and premium airfares like business or first you can often get 4-6x or 6-10x respectively on your points)
