Credit card balances were down $76 billion in the second quarter as Americans cut back on spending. Chase is trying a different tack to get clients during the pandemic: cash back on groceries and drug store purchases. U.S. Bank recently launched a card with perks for takeout and streaming services, and another new card, called Grand Reserve, offers points when you buy wine. Plus: Americans are producing a lot more residential trash and how New York subway cuts could hurt essential workers.