Starting with only autopaid non-flexible spending is a good bet, and there are credit cars that will de facto get you an ~3% discount on those categories just for using them.
Remember, all cash rewards / points systems exist to make you spend more money, though. Like the cards, they’re designed to increase your spending. So it’s the same advice – only think hard about it for fixed costs.
All of those headings are single words.
Taste is subjective, but mine says either color the whole heading or don’t color it at all.