What's missing (so far) is a reason for receiving a paper statement. For a cash-back card, I recommend the CITI Visa through Costco. It costs the price of a Costco membership. It gives back 4% on gas, 3% on travel and restaurants, 2% on Costco purchases (which is matched by CITI), and 1% on everything else. We use this card to pay every bill that doesn't charge a fee (car and home insurance, etc.). We have paperless statements for it (as well as bank and other credit cards). When the statement cuts we download and print the transactions, balance them against the receipts, then shred them all. At the end of the year we download the annual statement and keep them for historical purposes. For our bank account, the first of every month we reconcile transactions to entries in our check registers (credits and debits). We make and keep paper copies only of whatever we will need to file our taxes.
Costco cash-back happens in February when CITI emails a barcode. You have to take that code to a Costco to redeem it for cash. At the register, they will either count out the cash or issue a paper check. The Costco purchase 2% cash-back comes in the mail as a separate paper check.
https://www.costco.com/my-life-benef...here-visa.html