I use Citi and there are no limits. I pay my balance in full every month and it's actually better IMO because it incentives payments. PenFed you don't have to be military, you can be a member as well and it's a pretty good bank anyways. Fidelity you can use their checking account, so it's as good as cash.
Apple requires you to use Apply Pay to earn 2%, so it comes with it's own caveats.
Citi has late fees (but yeah, it looks pretty good)
Looks like non-active duty PenFed members get 1.5%
Fidelity Checking account sounds alright, but why not just balance credit?
Until apple pay is much more widely accepted that's a caveat for them. Probably stick around with Capital One 1.5% for now.
Apple requires you to use Apply Pay to earn 2%, so it comes with it's own caveats.