When it comes to groceries, two cards stand out, Citi custom cash and American express blue cash preferred. Amex is free for the first year then it costs $95 dollars annually, while Citi custom cash is free with no annual fees. They both have caps, so it’s good to get multiple cards if you spend over the cap. Do note that most of these credit cards don’t consider certain places like “walmart super center” as a grocery store, unless it’s a “walmart neighborhood market or grocery delivery service”. This means that Walmart purchases are not eligible for the card’s bonus.
First, we have the blue cash preferred, which currently stands at the top because it provides 6% cash back on groceries up to $6000 per year, 6% cash back on streaming, and 3% on transit which includes parking, gas and tolls. You can add your Amex to Dosh App and get an extra 2% for a total of 8%. It has 0% APR for the first 12 months then variates from 18.74 to 29.74%. It also comes with numerous benefits like $84 disney bundle credit, $120 equinox credit, global assist hotline, car rental loss and damage insurance. Just from groceries alone, you’ll get back $360 a year, which is more than its annual fee, so you’ll definitely make your money back. If you go beyond the cap, it’ll be 1% for any purchases above the cap.
Then we have citi custom cash, which has $200 cash back after spending $1500 on purchases in the first 6 months of opening the account. This alone should get you applying for this card, not to mention it has no annual fees. This card provides 5% cash back up to $500 spent on each billing cycle, so it’s a good filler on top of a blue cash preferred card if you go over the $6000 limit.
Lastly, we have Discover it cash back with 5% on amazon, grocery stores, restaurants, and gas stations, up to quarterly maximum when you activate up to $1,500 in purchases. This is an additional filler that you can get if you have a big family. This card doesn’t have any annual fee and its cash back never expires, so you can slowly use it as a filler without worrying about its points disappearing.
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