Anonymous
My take home pay of $2.8k
My Card spending is about $400
My Insurance spending is about 5k total annually (both yearly and monthly payment)
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For the card spending of 400, I would say Maybank platinum visa can be one of the better card for you. 3.33% if you hit >300 for 3 month.
For insurance, I don't think most card give reward...
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I am using crypto.com Ruby Steel Card and I love it (all my friends love it too). 2% cashback on EVERYTHING. But note that you will need to put an upfront 'investment' of about $1k