Some rewards cards let you select "online shopping" as your high rewards category. You can extend that to in-store shopping at Walmart by enrolling that card in Walmart Pay and then paying in-store via that.

For a lot of people, "online shopping" and Walmart together will cover 95+% of their credit card use.

Yes. I understand this. I'm asking, why do they keep the others' accounts open?

> I'm also not aware of any across-the-board 5% rewards cards

I'm not either, but many people just rotate to a different card instead of using the same card for less cash back. And who never miss a payment or rack up interest. Meaning they always use those cards at a loss for the company. I'm asking why do these peoples' accounts get kept open.