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- Location: US
Based on that information I would go for the BCP. If the cap is a DRAWBACK for you, then you are spending at least $6K annually at merchants categorized as supermakets. That would make the BCP worthwhile for ONLY using on groceries as you would net at least $285 annually ($6,000 spending times 6% is $360, less $75 AF). If you are spending a TON on Amazon this may change things, but I think this may be your best bet. I'm not seeing an AF from Chase on the Amazon card, so when you factor in 2% on restaurants you may want to go for both. If you only want one new card though, the fact that Discover gets 5% online 1/4 of the year would be enough to nudge me personally towards the BCP.
I use Discover for everything I can and the acceptance hasn't been an issue at all for me (and the same would go for Amex). There have been a very small handful of times where I haven't been able to use it, but I would rather use a debit card extremely infrequently and keep a card with better rewards for me. Just my personal experience and preference. I am not aware of anything off the top of my head that would be good for subway or eBay (doesn't mean it's not out there).
I would also consider the Amex EDP. You have a strong cash back card in Discover, so getting MR points could be a good complement. It does have a higher AF of $95, but it gets 3X MR on groceries. If you can use it for 30 swipes a month to get the 50% bonus on everything, you will be getting 4.5X just on groceries.
EX - 804 (9/16) | TU - 803 (10/16)
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now