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- 6% on groceries beats its 1% base rate
- Annual fee waived the first year
The Blue Cash Preferred holds the highest grocery rate among major cards: 6% at U.S. supermarkets on up to $6,000 per year, plus 6% on select U.S. streaming subscriptions and 3% on transit and U.S. gas. The annual fee is $0 intro for the first year, then $95, and a family spending $6,000 at supermarkets earns $360 at the 6% rate alone. A 0% intro APR for 12 months covers purchases and balance transfers. Light grocery spenders should take the fee-free Blue Cash Everyday instead.
- 4% on groceries beats its 1% base rate
The Gold Card fits people who put most of their spending on food. It earns 4X points at restaurants worldwide on up to $50,000 per calendar year and 4X at U.S. supermarkets on up to $25,000 per calendar year. Monthly Uber, dining, Resy and Dunkin' credits can return up to $424 per year against the $325 annual fee. The credits post monthly, so they reward steady use rather than one big trip.
- 6% on groceries beats its 3% base rate
- Annual fee waived the first year
Built for regular Hilton guests who also want strong everyday earning. Gold status raises what stays earn, and up to $50 in Hilton statement credits each quarter can cover most of the $150 annual fee. Spending unlocks more: a Free Night Reward at $15,000 and Diamond status at $40,000 in a calendar year. The credits require Hilton purchases, so value depends on actual stays.
For drivers and families whose biggest costs are fuel, groceries and dining out. It earns 5X points on fuel and EV charging, 3X at supermarkets and restaurants and 1X elsewhere, with no annual fee and no foreign transaction fee. Balance transfers made in the first 60 days get 0% intro APR for 12 months with a 3% fee. PenFed creates your credit union membership during the application. The caveat: points redeem for gift cards, merchandise or travel rather than straight cash, and they expire 5 years from the date earned.
This card is for college students building credit who spend on food and entertainment. It earns 3% cash back at grocery stores, on dining, entertainment and popular streaming services, and 1% on everything else. There is no annual fee and no foreign transaction fee, and a $50 bonus comes after $100 in purchases in the first 3 months. The caveat: the purchase APR is 18.49% - 28.49% Variable, so carrying a balance costs more than the rewards pay.
This card is for households whose spending runs through the supermarket, restaurants and streaming bills. It earns 3% cash back at grocery stores, on dining, entertainment and popular streaming services, and 1% on everything else, with a $0 annual fee and no foreign transaction fee. New cardholders get a $200 bonus after $500 in purchases in 3 months and 0% intro APR for 12 months on purchases and balance transfers. The caveat: superstores like Walmart and Target do not count as grocery stores.
The Blue Cash Everyday covers the three places most households actually spend: groceries, gas and online shopping, each at 3% on up to $6,000 per category per year. There is no annual fee, and a 0% intro APR for 15 months applies to purchases and balance transfers alike. Monthly Disney streaming and Home Chef credits add quiet value. Bigger grocery budgets outgrow the caps and belong on the Blue Cash Preferred.
This card fits travelers who stay at Hilton brands a few times a year and want no annual fee. It earns 7X points at Hilton properties and 5X at U.S. restaurants, U.S. supermarkets and U.S. gas stations. Hilton Honors Silver status is included. Hilton points run lower in value than flexible currencies, so the card rewards Hilton stays more than general spending.
The Earner fits road trippers and value travelers who sleep at Days Inn, La Quinta, Super 8 and other Hotels by Wyndham. It earns 5X points at Wyndham hotels and 3X on dining, grocery stores, gas and EV charging. Gold member level comes automatically, and cardmembers redeem 10% fewer points for go free awards. There is no annual fee; the anniversary bonus of 7,500 points requires $15,000 in yearly spend.
The Earner Plus rewards travelers who keep coming back to Wyndham brands. It earns 6X points at Hotels by Wyndham and 4X on travel, dining and grocery purchases. New cardmembers hold Diamond member level for the first year, then Platinum. The 15,000-point anniversary bonus on its own covers a typical go free award night, which answers the $95 fee for anyone who stays at Wyndham at least once a year.
For people who spend most in one area and are happy to pick it. You choose one category (gas and EV charging, online shopping, dining, travel, drug stores, or home improvement) for 6% cash back in the first year, then 3%, and get 2% at grocery stores and wholesale clubs. One category at a time, up to $2,500 in combined choice and grocery purchases each quarter, then 1%. No annual fee, and 0% intro APR for 15 billing cycles. The caveat: the quarterly cap limits big spenders, and a 3% foreign transaction fee makes it a poor card abroad.
This card is for people who fly American now and then and want to collect AAdvantage miles without paying a fee. It earns 2 miles per $1 at grocery stores and on eligible American Airlines purchases, 1 mile on everything else, and 25% off inflight food and drinks. New cardmembers get a $100 statement credit plus 15,000 bonus miles after $500 in purchases in the first 3 months. The caveat: purchases abroad carry a 3% foreign transaction fee, which is awkward on an airline card.
