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One of the tremendous benefits of using a credit card is the ability to earn cash back on your everyday transactions. The smart credit card consumers will analyze their expenditures and get a card that pays the most rewards on their top categories of expenditures.
Everyone has to buy groceries, so it is good to know which credit cards pay some of the top grocery rewards. Here are some of those cards:
The Capital One ®Savor® Cash Rewards Card is a relatively new card in the industry. It gives cardholders 4% back on all dining and entertainment expenses, 2% cash back on grocery store purchases, and 1% back on all other transactions. There is no limit to the rewards you can earn. Plus, there is an early spend bonus of $300 if cardholders spend $3,000 on the card within three months of approval. There are no foreign transaction fees, but there is an annual fee of $95 that is waived during the first year. The APR is between 16.74% - 25.74% (Variable) depending on your credit worthiness.
The Citi® Double Cash card offers you the chance to earn cash back twice on everything you buy. You earn 1% cash back on all purchases at the time of the transaction, and another 1% when payment is made for a total of 2% cash back. This card also offers 18 months of 0% APR introductory financing on balance transfers, with a 3% balance transfer fee. Once the promotional financing rate expires, a standard interest rate of 15.99%– 25.99% (Variable) will apply to the remaining balance, which is a variable rate based on the Prime Rate.
The Capital One® SavorOne® Cash Rewards Card is marketed to people who love dining out or creating meals at home. Cardholders earn 1% cash back on all purchases, but the rewards are particularly good on dining out and entertainment (3% cash back) and grocery store purchases (2% cash back). New SavorOne cardholders receive a $150 cash bonus when they spend $500 within the first three months of being a card member. The SavorOne card offers an introductory 0% APR for the first 15 months on purchases and balance transfers. After that, the rate increases to 16.24% - 26.24% (Variable), depending on the cardholder’s credit.
The Wells Fargo Cash Wise Visa® Card enables you to earn a $200 cash rewards bonus after spending $1,000 in the first three months. Cardholders will earn an unlimited 1.5% cash rewards on all purchases, and 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google PayT, during the first 12 months from account opening. The card also has a 0% introductory APR for 12 months on purchases and balance transfers (fees apply). Balance transfers must be made within 120 days of opening the account in order to qualify for the introductory rate and fee. After the introductory period, the rate will be 16.24%-28.24% (Variable) APR, depending on your creditworthiness. Cardholders also receive up to $600 protection on their cell phone (subject to $25 deductible) against covered damage or theft when their monthly cellular telephone bill is paid with their Wells Fargo Cash Wise Visa® Card. The card has no annual fee.
The Capital One® Quicksilver® Cash Rewards card offers customers the same 1.5% cash back rewards on all purchases with no limits. Rewards never expire, and you can redeem them in any amount and at any time. New applicants also receive a $150 cash bonus when they use their card to spend $500 on new purchases within the first three months of account opening. This card also offers new applicants 15 months of 0% APR promotional financing on both new purchases and balance transfers, with a 3% balance transfer fee. After the promotional financing period expires, the standard interest rate of 16.24% - 26.24% (Variable) for purchases will apply, and the rate you receive will be based on your creditworthiness when you applied.
The Bank of America® Cash Rewards Credit Card is an outstanding cash back card. It offers 1% cash back on all purchases, but 2% on transactions made at grocery stores and at wholesale clubs, and 3% on a category of your choice: gas, online shopping, dining, travel, home improvement/furnishings or drug stores. These increased payouts are applicable on up to $2,500 in combined choice category/grocery store/wholesale club purchases each quarter. Cardholders can update their choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and the category stays the same. If you’re a Bank of America Preferred Rewards client, you can receive a 25% – 75% rewards bonus on every purchase. New customers can earn a $200 online cash rewards bonus after spending $1,000 in the first 90 days of opening an account. In addition, new applicants will get 15 billing cycles of 0% APR on both new purchases and balance transfers. The balance transfers must be completed within 60 days of account opening, and a 3% balance transfer fee applies. The card has no annual fee but there is a 3% foreign transaction fee on transactions made outside of the United States.