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- Built for cash back, which is what you asked for
- 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.
- Built for cash back, which is what you asked for
- 3% on groceries beats its 1% base rate
- No annual fee
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.
- Built for cash back, which is what you asked for
- 3% on groceries beats its 1% base rate
- No annual fee
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.
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 want maximum cash back with zero maintenance. Every purchase earns 1% up front and another 1% as you pay, with no caps or categories. There is no annual fee, and balance transfers get 0% for 18 months. The caveat: a 3% foreign transaction fee makes it a poor travel companion abroad.
Discover it Cash Back is for people who will activate a quarterly category and want an outsized first year. You earn 5% in rotating categories on up to $1,500 in purchases each quarter when you activate, and 1% on everything else. At the end of your first year, Discover matches every dollar of cash back you earned. There is no annual fee. The caveat: the 5% requires activation each quarter and stops at the cap.
This card is for people who want one number: 2% back on everything, forever, with no annual fee. The $100 bonus requires only $500 in purchases in three months, one of the lowest hurdles among major cards. It also carries a 12-month 0% intro APR on purchases and qualifying balance transfers. The caveat is the 3% foreign transaction fee: leave it home when traveling abroad.
This card is for people who want one no-fee card that earns on everything. Every purchase pays at least 1.5%, dining and drugstores pay 3%, and Chase Travel bookings pay 5%. New cardmembers get a $200 bonus after $500 in spend and 0% intro APR for 15 months on purchases and balance transfers. The 3% foreign transaction fee makes it a poor card to take abroad.
Altitude Go is for people whose biggest everyday category is food. You earn 4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter, and 2X at grocery stores, gas and EV charging stations, and on streaming. There is no annual fee. The caveat: the 4X rate is now capped each quarter, then dining earns 1X.
This card is for people who shop at Walmart often, above all Walmart+ members. It earns 5% cash back at Walmart with a linked Walmart+ membership, 3% without one, and 1.5% everywhere else Mastercard is accepted, with no annual fee and no foreign transaction fee. You apply on Walmart.com, in the Walmart app or in a store. The caveat: the purchase APR depends on the account type you are approved for, 20.24% or 30.74% Variable, and the higher one erases the rewards on any balance you carry.
