Posted by William Charles on March 23, 2017
Credit Cards

Published on March 23rd, 2017 | by William Charles


Best Credit Card For Grocery Store Purchases

According to the US Bureau of Labor statistics the average American will spend $3,899 per year on Food at home expenses, this means their grocery store spend will likely be much larger as this doesn’t include non-food items this represents a 7.6% share of the average American’s annual spend.

This is why a lot of credit card companies offer cards with category bonuses on grocery store purchases. We’ve compiled this list of credit cards that give you the biggest rewards on your grocery spend. It’s important to note that you’ll only receive these amounts if the store you shop at codes itself as a grocery store, you can read more about how merchant category codes work here. Discount stores such as WalMart, Costco & Sam’s Club will generally not code as a grocery store.

[Read: Credit Cards That Earn 5%+ Cash Back]


Best Personal Cards

Bank of America Cash Rewards, 2-3.5% Cash Back – No Annual Fee, $2,500 Quarterly Cap

This card normally earns a flat 2% cash back on grocery stores. If you have a lot of funds held with Bank of America this can be boosted to 3.5% cash back. The downside is that you’re limited to only $1,500 in spend per quarter.

Bank of America Asiana Credit Card, 2x Miles, $99 Annual Fee, 200,000 Points Cap

Read our full review of this card

Annual fee isn’t waived the first year but the card does come with some benefits to help offset the fee such as a 10,000 mile certificate and $100 rebate for paid flights. Be aware of the 200,000 points cap ($100,000 on grocery stores)

American Express Premier Rewards Gold, 2x Membership Rewards Points, $195 Annual Fee Waived First Year

The personal premier rewards gold card earns 2x AmEx membership rewards points per $1 spent at U.S supermarks & gas stations (3x points for flights booked directly with airline) grocery stores. There are no caps on the amount of points you can earn, but there is a hefty annual fee of $195.

AmEx Everyday, 2-2.4x Membership Rewards Points No Annual Fee, $6,000 Per Year

The AmEx EveryDay card earns 2x American Express membership rewards points on all U.S supermarket purchases. You also get an additional 20% bonus on all points earned if you have 20 or more transactions on your credit card each month. It’s possible to easily increase the number of transactions you have by using the self check out at a supermarket and doing one item at a time (obviously do this when it’s quiet).

Santander Bravo 3% Cash Back, $49 Annual Fee, Limit Of $5,000 Per Quarter

The Santander Bravo earns 3x points on all gas, grocery & restaurants. You can earn a limit of 15,000 points ($5,000 in spend) per quarter. Points are redeemable for cash and are worth 1¢ per point.

Blue Cash Everyday, 3% Cash Back No Annual Fee, $6,000 Limit

This is the little brother to the Blue Cash Preferred card and earns 3% cash back on U.S supermarket purchases. Unlike the preferred card there is no annual fee on the Blue Cash Everyday but you only earn 3% on the first $6,000 in grocery store spend per year.

In addition to this it only earns at a rate of 2% cash back on all U.S gas stations & department stores.

Consumers Credit Union Visa Signature 3% Cash Rebate, No Annual Fee, $6,000 Annual Limit

This card earns at a flat 3% cash back on all grocery and convenience store purchases (2% on gas and 1% on all other purchases). The card comes with no annual fee but you do need to pay $5 to join the credit union. They limit you to a maximum of $6,000 in cash back rebates per year and $6,000 per year in grocery store spend.

Huntington Voice 3% Cash Back, No Annual Fee, Limit Of $2,000 Per Quarter

The Huntington Voice allows you to pick one 3% category each quarter, one of the options they give you is grocery stores. There is a limit of $2,000 per quarter ($60 cash back) but there is no annual fee on this card.

Golden 1 Credit Union 3% Cash Back, No Annual Fee, No Cap on Rewards

The Golden 1 Platinum Rewards Visa earns a flat 3% cash back on all grocery store spend. There’s no cap on the amount of rewards you can earn. See our full review here.

American Express Hilton Honors Surpass: 6 Hilton Honors points per $1 spent, $75 annual fee

Hilton points aren’t that valuable for most people, but if they are valuable to you then this can be a good option especially as there is no cap.

City National Bank Visa Infinite 3x Points, $400 Annual Fee

Read our full review

This card has a massive annual fee but that is offset by the airline credits and the fact that authorized users also get these credits. Points are worth ~1¢.

U.S Bank FlexPerks Travel Rewards 2x Points (up to 4% in travel), $49 Annual Fee Waived First Year

The U.S Bank FlexPerks card earns 2x points on all gas, grocery & airline purchases. When points are redeemed you can get up to 2¢ per point in value. There are no limits on the amount of points you can earn. The annual fee of $49 is waived for the first year only and a sign up bonus of 20,000 FlexPoints after $3,500 in spend.

It’s also possible to downgrade/product change this change to the U.S Bank Cash+ card which has 5% cash back categories you can choose from (no grocery category unfortunately).

AmEx EveryDay Preferred 3-4.5x Membership Rewards Points, $6,000 Cap Annually & $95 Annual Fee

The AmEx EveryDay Preferred card is a new card that American Express introduced earlier this year. It earns 3x membership rewards points on all U.S supermarkets, but you get an additional 50% bonus on all points earned if you have at least 30 transactions within the month.

It’s easy to increase the amount of transactions you have by using the self check out aisle at a supermarket or purchasing small gift cards through amazon. Depending on how much you value MR points, this could be the best grocery card of them all.

Old American Express Blue Cash, 5% Cash Back After $6,500 In Spend, No Annual Fee, $50,000  Limit

The Old American Express Blue Cash card is still available for new sign ups, but it’s no longer published on the American Express website. This card earns at 5% on all purchases at U.S gas stations, supermarkets & select drug stores & 1% on all other purchases. Unfortunately it doesn’t earn at this rate until you’ve $6,500 in spend on this card.

Before you hit this threshold it only earns at 1% on U.S gas stations, supermarkets & select drug stores and 0.5% on all other purchases. This card is really only suited for people doing manufactured spending at any of the 5% categories or those who are spending well over $6,500 per year in these categories.

This card now has a $50,000 limit on 5% categories.

American Express Blue Cash Preferred, 6% Cash Back, $95 Annual Fee, $6,000 Annual Limit

This card earns 6% cash back on all grocery store purchases, but only on the first $6,000 in purchases every year. It also has an annual fee of $95 which is not waived for the first year. This is going to be the best option for people with high grocery store spend but not absurdly high (otherwise you will be better off with the Old version). It also earns 3% on gas & department store purchases.

Location Restricted

There are a number of cards that are only available in specific areas, I thought I’d put those here rather than in the main section of the site.

UMB Simply Rewards – 3x, No Annual Fee Or Cap

Our full review

This card earns 3x points on gas stations grocery stores, discount stores, restaurants & fast food. There is no cap on the amount of points you can earn. This card is available in Arizona, Colorado, Illinois, Kansas, Missouri, Nebraska, Oklahoma, Texas. It might also be available in different states under a different name  (e.g First National Bank offers same card. This comment covers other states)

Bank Of The West Cash Back Mastercard – No Annual Fee Or Cap

Our full review

This card earns 3% cash back on groceries, dining & gas purchases. It has no annual fee and no spending cap (apart from gas, there is a $1,500 cap on that). It’s available in the following states: AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY.

Honorable Mentions

Chase Freedom 5%, Rotating Categories With $1,500 Cap, No Annual Fee

The Chase Freedom card earns 5% in rotating categories and one of those categories for Q2 2017 is grocery stories. There is a quarterly spending cap of $1,500.

Wells Fargo Cash Back Card 5%, First Six Months, No Annual Fee

The Wells Fargo cash back card earns 5% on all gas, grocery & drug store purchases. Unfortunately it only earns at this rate for the first six months and then it defaults to a flat 1% on all purchases. This is another card that isn’t really worth it unless you have ridiculous high spend in those categories, in which case I’d recommend getting a card dedicated to each of them instead.

It’s also important to keep in mind that by getting a card like this you’d be forgoing getting a card with a high cash sign up bonus.

TD Easy Rewards Visa Credit Card 5%, First Six Months, No Annual Fee

The TD Easy Rewards card is very similar to both the cards above. It earns 5% on dining, groceries, gas & cable and utility bill payments but only for the first six months after account opening. It then drops to 1% on all purchases.

Cards That Didn’t Make The Cut

  • American Express Hilton HHonors: 5 Hilton HHonors points per $1 spent, no annual fee
  • PenFed Platinum Rewards Visa Signature: 3x points on all grocery store purchases (worth 2.5% in Visa gift cards)
  • Barclay Arrival Plus: 2x miles on all purchases $89 annual fee (2.2% cash back when redeeming against travel statement credit)
  • Fidelity Visa: 2% cash back on all purchases, no annual fee
  • AAA member rewards: 2% cash back on gas, grocery & drugstores, no annual fee
  • U.S Bank Cash+: You can pick grocery stores as a 2% cash back option, no annual fee
  • Chase Disney Premier: 2% cash back, no annual fee
  • Union Bank Graphite Amex: 2% cash back, no annual fee first year and then $99 annually

If you know of any cards that earn at a high rate on grocery store purchases. Please let us know, we’ll be happy to include them in this post. You can contact us or comment below. This post is an affiliate link free zone and you won’t find any affiliate links on this page. We appreciate you using our links where ever possible.

If you’d like to see similar information for a different category, then click on one of the below links:

117 Responses to Best Credit Card For Grocery Store Purchases

  1. Gaston says:

    I don’t understand what the criteria were for the rankings. For example, we have an aspirational trip planned with Hilton stay. Which card would be better than this one that did not make the cut? And why would it be better?

    “American Express Hilton HHonors Surpass: 6 Hilton HHonors points per $1 spent”

    • In our rankings we try to use the best cash back rate, we also try to include any cards that earn a high category bonus on grocery store spend. Personally I don’t find Hilton points very valuable (less than half a cent each) which is why it didn’t make the cut. We include it in the post anyway so you can make your own conclusions.

      • Culinarykid92 says:

        Isn’t Huntington Voice restricted to their geographic area?

        And I’d like to see you evaluate Amex’s MR points and Chase’s UR points in a post. People know the penny a point for Chase and up to 50% extra by booking through their portal (through other cards). But does the 1:1 transfer offer better value all the time?

        And I don’t know Amex enough to know the value of points at all. And considering you have 3 cards on the list that reward them, so I’d like to know.

        • Huntington voice is nationwide. Points valuations are way too speculative so I don’t really like doing those.

          • Culinarykid92 says:

            Ok. I understand. It was just I see many show values of 2 cents or more for either rewards points. As I said, UR can be redeemed for 1 cent per point in cash and up to 1.5 cents per point with a card like CSR when booking travel through Chase.

            Amex MR points I know are worth less than 1 cent per point in cash. I know GCs and travel through AMEX at least used to be 1 cent per point.

            Transfer partners are where things are tricky. I haven’t found an article showing the value of points for all major airlines and hotels. But this might be because the value may depend on the flight/location.

            My biggest confusion is you clearly value MR points at more than 1 cent per point. Otherwise the Everyday at 2 MR (possibly 2.4) is a 2% card as is the Premier Gold from Amex. I’ll give the Everyday Preferred some breathing room, though the $95 AF makes it worse than the BCP other than flexibility to transfer points. I only mention this because I’ve noticed many 2% grocery cards (Cap1 Premier Dining as an example) getting flack from you even if they have no AF. But many of these cards do, or one has to jump through hoops and pay to join. And that offsets any bonus points one gets over a no Af card unless the card has a credit/benefit that wipes the AF. I guess I just wanted clarification.

          • It’s not so much that I clearly value MR points at more than 1¢ it’s just that most readers do that’s why I rank it higher.

  2. Gaston says:

    Thanks. It looked like it was based on equivalent cashback and I read that on your FT post. I like the Amex Surpass for groceries because the equivalent cashback is better than the other 16 cards I currently have. HHonors @0.4 CPP x 6x = 2.4 CPP versus my next best card (Barclays Arrival+) @2.2 CPP.

    Of course, the Barclays statement credits are more versatile than the HHonors points. Cash is king 🙂 However, I do have many other non-grocery store ways to spend on the Barclays card….

  3. Trevor says:

    Thanks for the great posts. I read in a forum awhile back (and can’t find it now) that someone mentioned that there’s a Wells Fargo card that gives 5% back for grocery purchases with no time/spending caps. The poster said that it’s not advertised and is only offered to longstanding WF bank customers. I’ve searched and searched to find out more but the regular 5% WF card fills the search results.

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  5. Michael says:

    Thanks for the timely post! Just what I was looking for.

  6. rick b says:

    There’s Diners Club Elite, which is now temporarily closed to new applicants, but will reopen real soon now, after they sort through all the “fraud” alert cases with the 1000s of MSers who signed up.

    3x and transferable to tons of good airlines / hotels.

    • Will add it when it’s open for sign ups again.

    • sdsearch says:

      Are you serious about when BMO Harris will reopen Diners Club card applications (source?), or is “real soon now” being sarcastic? BMO Harris has been saying the same thing for several years, and applications never restart.

      I haven’t ever heard anything from BMO Harris which indicates that IF they ever restarted DIners Club cards, that it would be the same Elite card with the same earning.

  7. NoonRadar says:

    Doc, maybe you can make this correction/update:

    Citizens Cashback currently earns as follows:
    – 5% grocery for the first 90 days.
    – 10% gas for the first $1K.
    – Everything else, and thereafte, its at 1%.


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  14. lorretta says:

    I’ve been surfing on-line more than 3 hours today, but
    I by no means found any attention-grabbing article like yours.
    It is lovely value sufficient for me. In my view, if all website
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  16. I just stumbled on you roundup today. Good stuff.

    I’m just reaching out because I recently published some content on store credit card that might
    be a good fit.

    Either way keep up the awesome work 😀

  17. Charles Dashkowitz says:

    You mention that if you’re going over the 200K limit on the Consumer Credit card that you should be using a different card. Would you let me know which card(s) that would be? Thanks for all the information and keep it up!

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  20. James Carson says:

    I realize this was published in 2014, but Consumers CU has since added a *spending* limit of $6,000 on in the grocery category, while still having a $6,000 limit on overall *rewards*.

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  38. Ben F says:

    Article is stale and should be updated. Among other things, the Sallie Mae Rewards MasterCard is kaput and the Amex Blue Cash Preferred annual fee is now $95.

    Also, the article gives the BoA Cash Rewards cards short shrift. The base 2% rewards are nothing to write home about, but if you have a BoA checking account then they are boosted by anywhere from 10% to 75%. The effective reward rate works out to 2.2%, 2.5%, 3.0%, or 3.5%.

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  41. Ferris says:

    If you have utilized your 5% Savings accounts to the max, the CCU Cash Back (NOT points) Credit Card is a great option if you stash another $11,000 – $20,000 in their account. Just make sure you hit either the $500 or $1,000 thresholds. After the death of the Sallie Mae, life is different. I will just ride the Freedom 5% category until July and then use CCU. Even with mostly MS use and Plastiq/activation fees, the CCU Signature should generate over $1,000 per year with $20K in cash and 4.59% earning.

    • icemule1 says:

      Just sucks that the CCU Cash Back card is capped for the 3% at $6,000/yr, so if you’re spending $1,000/mo to meet the top tier then you’ll have an extra $6,000 to spend on it while getting 1% cash back.

      • Ferris says:

        Yea, but at the end of the day you don’t really get that much cashback from Groceries/Gas. Even at 5% spending $6000 per year combined only nets you $300. With the CCU card vs a BCP 6/3 there isn’t that much spread. Spending $12K a year assuming 2K of grocery MS & Plastiq with $4K in groceries spent and $2400 in gas + $3600 in 1% spend

        BCP: $323 (includes $95 AF)
        CCU Signature: $232

        Plus you can earn $918 in annual interest if you keep $20K in CCU for doing that. You would just have to check your account towards the end of the month and do a Plastiq payment to make sure you get 4.59% vs 3.59% if that’s what you’re aiming for. Or you could just do the 12 debit card transactions and earn 3.09% on 10K, which amounts to $309, bring BCP to $632, still far short of the $1150 ($232+918) you could earn with CCU CC.

  42. bluecat says:

    Ugh. I hate having to think of which card to use for which store…and that’s after I make all my spending challenges.

    Can’t it be as simple as: (1) always spend down your sing-up bonus challenges first and then (2) use XXX card?

    This sort of “optimal card usage” gets lost in the noise in my brain…. 🙂

  43. N says:

    I think the Citizens 5% card was discontinued quite some time ago.

  44. Michael says:

    Is it still possible to MS the crap out of the 5% WF card during the first 6 months at CVS? I remember reading on reddit a while back of the cancelations and whatnot and people maybe not getting their $5k+in cash back

  45. Marge says:

    (Accidentally posted the comment below in the best Amazon card, reposting here. Sorry about that!)

    @William, how about including a suggestion that people who have Prime check whether Amazon sells gift cards for their grocery store? If so, they should be able to get unlimited 5% cashback with a no-annual-fee card. (Plus JetBlue points?) Of course this will only work for actual grocery spend, since grocery stores are unlikely to let you buy gift cards with their gift cards.

    If anyone tries this, I’d recommend first reading the reviews on Amazon to see whether people are having trouble redeeming the specific type of card. I know that with Safeway, the e-mail gift cards are a lot of hassle and aren’t worth it IMO (must print out, can’t use self-service checkout, cashiers get confused, some people ended up not being able to redeem at all), but the physical $100 gift cards work like a charm and in my area, Amazon even has free one-day shipping on them — which can be a nice way to meet the $35 minimum to get free shipping on other items.

    (I haven’t tested buying grocery store gift cards with an Amazon credit card, but the Chase Amazon T&C say that all purchases on count, including Amazon gift cards, and at least currently Amazon allows you to buy other companies’ gift cards with Amazon gift cards.)

    • Steve says:

      Amazon has some kind of limit on how many gift cards you can order. e.g., for the Safeway physical $100 gift card, the maximum quantity is 3. Though, maybe that’s per order, and you could then buy 3 more in a future order; but if so, I don’t know why they would bother having a per-order limit, unless they also limit the number of orders you can make; maybe the limit doesn’t reset until the next day, or until the first order ships, etc.

      • Marge says:

        Good point, I’d forgotten about that. For Safeway, the limit seems to reset on delivery (e.g. if you ordered two cards in separate orders, the limit goes from 1 to 2 when the first card is delivered). I’ve ordered around 10 cards over a couple of months (got 10% off Amazon for the second half of 2016 from Discover it), so there might be some higher limit I haven’t run into.

    • Yeah, the same hold’s true for most categories. I think it’s just easier to focus on cards that actually earn at high rates on those specific purchases rather than throwing GC into the mix as well.

      • Marge says:

        I mean, one of the things I love about your site is that you always tend to put things in the right context for making an informed decision: like, putting cards that earn 3% in one category in the context of across-the-board 2% cards; comparing high-interest accounts to 1% accounts, rather than 0.01% accounts; always mentioning that you pay interest on bank bonuses; etc. I really appreciate the difference to the typical finance site, which gives you the terms of the offer but leaves you to figure out half of the trade-offs yourself. (Thanks!)

        I see the point about not wanting to complicate the category-specific posts, but IMHO it might make sense to have a standard short reminder that you may be able to get 5% or more off by buying gift cards instead, similar to the reminders about 2% cards and so on that you have elsewhere. E.g. when I tried to figure out what would be good for grocery cashback cards a while ago, I calculated that BCP would yield 4.4% on groceries after the annual fee if maxed out, and calculated the level of spend where it would become better than a 3% card without annual fee, but I completely missed the possibility that the Amazon store card might allow me to get 5% off as well.

  46. Lrdx says:

    Bank of America Cash Rewards has a quarterly cap of $2500, instead of $1500. It’s also listed in the “didn’t made the cut” list 🙂

  47. Curmudgeon says:

    UMB Bank has a credit card with 3x points at gas stations, grocery stores, discount stores, restaurants and fast food locations. 1x points on everything else.

    If you redeem for gift cards points are worth 1 penny each. Looks like points can also be redeemed for cash, but I can’t find anything that says if they’re still worth a penny or not for this.

    No cap on spending either.

  48. Jeff G says:

    Maybe I missed something, but Chase Freedom for 5% in 2nd quarter? Maybe you are just looking for year round spend?

  49. Jeff H says:

    Considering DoC just did a Bank Of The West Cash Back Mastercard Review, I was surprised it did not at least make Honorable Mention despite the limited number of states it is issued in.

    3% On Groceries, Dining & Gas Purchases [AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY]

  50. BestPal says:

    Forget all this business and just use your rotating categories alongwith gift cards to buy everything. If you spend more than $1500 per quarter like me then get 2 freedoms and 2 discovers. Unless you have a sign up bonus to meet, there is no point in spreading your spend…

  51. blake says:

    Jetblue card from Barclays – 2x (worth ~3% cash value)

  52. kory says:

    Target redcard gives you 5% discount.

  53. E Dantes says:

    Great and helpful list, as always!

    I do think Hilton Surpass is being underscored a bit here. I get that Hilton points are valued below 0.5 cents by some, though the range seems to be 0.4-0.6 depending on how you calculate. Even so, with 6x on grocery purchases and 5th free night redemptions, there are plenty of ways for that 6X to eclipse 3%.

  54. A says:

    I know it’s harder to get approved than other cards but the CNB Crystal Visa gives 3x points at grocery. And considering that the points can be worth a bit more than 1 cent each when booking flights I think it’s worth a mention!

  55. Mark says:

    Hilton points are valued at about $0.05 each. The Hilton HHonors Surpass cards earns 6X on groceries, so a 3% return. For those saving up for a stay at a Hilton property, I think this is very good for a hotel card.

    • sirtheta says:


      The Surpass is great if you need Hilton points but it’s a pretty bad grocery card. It’s not easy to redeem for 0.5cpp or more, in my experience, and cash back is much easier.

      • E Dantes says:

        Sirtheta – Very interested to know why you and Will are so down on Hilton point redemptions. I see pretty good ones all the time (maybe they’re just better in places I am scouting for travel?)

        For example, take a look at this Reykjavik booking for Aug. 12-17 at the Hilton Canopy there:

        This is 41,233 Krona per night at the lowest advanced purchase rate, which = $373. $373 x 5 = $1865. That same room is 70,000 Hilton points per night, which with the fifth night free is 280,000 points. That’s 0.67 cents per point, which would make using the Surpass at the grocery story = 4% per dollar.

        (Not to mention that you can cancel your points reservation any time, but advanced purchase is locked in price, so really they are worth even more than that. PLUS, because you have Surplus, you likely get an updated room that’s worth even more cents).

        I do see plenty of bad redemptions, but it seems like if you’re smart about it and book the Hilton hotels in high season, you can get so much bang for your buck at the grocery store.

        I ask this not to pick at your theories, but because I’m really curious if there’s something I’m missing here and really value both of your expertise opinions. Just seems to me that — sure — if you want a no-hassle experience, then get the sure thing in cashback, but for those who take the extra step to be creative and seek out the really good redemptions, you can do so well.

        • I probably wouldn’t stay at a hotel that costs $373 per night, so I’m not able to get that sort of value from the points. I typically stay at cheaper properties and I find that the better Hilton redemption are for more expensive properties like you mentioned. Also even with that property you’re basically getting less than 1.5 free nights with a 100k point sign up bonus.

          • E Dantes says:

            Credit to you (no pun intended) for resisting the swankier places and getting more nights for your points. I used to do that, but I stayed at a couple nicer hotels and developed a little taste for the finer things — especially when I would never pay for it otherwise.

            Best part about collecting points and miles is it’s up to each person to find how best to use it. Figuring out how to get those points is where you come in, and that’s why we’re all indebted to you. Thanks for taking the time to respond thoughtfully here.

          • Yeah I try to avoid indulging myself too much because I know how easily I’d be tempted to stay at top properties and fly first class all the time. I’m lucky in that I get more vacation days than most people so like to spread it out a bit more. Definitely don’t begrudge anybody that likes the finer things in life, like you said it’s all up to personal preference!

  56. Russ says:

    Small fix: in “Cards that didn’t make the cut” you list Amex Fido. That card is now the Fidelity Visa (issued by Elan)

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  58. John says:

    Love this series Will. Is there one for restaurants since I eat out a lot


  59. IOException says:

    I think a really important point is unless you are doing M$, shopping at different places will often net you much better prices. Saving a dime or two on each item you buy is well and good, but shaving a couple dollars off by willing to try a new place is even better.

    It always surprised me how many people will religiously go to the same HyVee/Safeway/Fareway/etc.

    However, like most consumers, I also hate shopping at multiple stores. The only store I rarely venture away from is one of those newly remodeled Aldi stores that have a greater selection of products. Unfortunately, not everyone has access to one…

  60. Christian says:

    Which business card would you suggest for the grocery category that’s not an Amex?

    • Christian says:

      I”d really appreciate any response. Instead of saying that they just don’t know, every blogger I’ve asked just pretends that I never brought up the question. It’s a touch insulting, actually.

      • Curmudgeon says:

        Here’s a response: You waited barely 22 hours, on a HOLIDAY WEEKEND, before whining about not getting an instant response.

        What a cry baby.

    • No good category bonuses on business cards for grocery, why not just use a personal card?

      • Christian says:

        The amount is over 100k per year, which, along with personal ms and spending, would put my credit utilization pretty high. I’m considering the United Club card, which I think comes in a business card. At least, when my 5/24 clears in a few months, I’ll check into it.

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  62. David L says:

    Don’t believe this was mentioned before, but if I missed it apologies:

    The United Select card is no longer available, but if you still have it > it offers 2 miles/$1.
    When there are VGC promos at supermarkets, it’s incredibly easy to MS United miles.
    And that’s in addition to normal spending of course, if you want to maximize United miles

    My personal approach is to normal use a cashback card, and use the United Select if I
    need to top off miles to reach an award ticket threshold, or to buy V or MC GC when
    they’re running promotions.

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  64. David says:

    Blue Cash Preferred card by Amex seems to be a good deal to me right now. 6% cash back for groceries and $150 statement credit after spending $1000 in first 3 months. It carries a $95 annual fee after the first year, but if spending around $4500 /year in groceries it still comes out better than a 3% cash back on groceries card. Should this not be in the list, or am I missing some important detail?

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