r/lists • Posted by Sarah Chen💰 Finance
Top Cash Back Credit Cards for Everyday Spending Categories (Groceries, Gas & Dining)
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| # | Title | Annual Fee | Key Cashback Categories | Typical Cashback Rate | Welcome Offer | Actions |
|---|---|---|---|---|---|---|
| 1 | Blue Cash Preferred Card from American Express | 95 | U.S. Supermarkets, Gas, Streaming, Transit | 6% U.S. supermarkets (up to $6K/year), 6% streaming, 3% gas/transit, 1% others | Up to $300 cash back after spending $3,000 in 6 months (variable offer) | |
| 2 | Citi Custom Cash Card | 0 | Top eligible spend category (e.g., Restaurants, Gas Stations, Grocery Stores) | 5% on top eligible category (up to $500/billing cycle), 1% on all other purchases | $200 cash back after spending $1,500 in 6 months | |
| 3 | Discover it Cash Back | 0 | Rotating 5% categories (e.g., Gas Stations, Grocery Stores, Restaurants, Amazon) | 5% on rotating categories (up to $1,500/quarter, activation required), 1% on all other purchases | Unlimited Cashback Match at the end of the first year | |
| 4 | Chase Freedom Flex | 0 | Rotating 5% categories, Dining, Drugstores, Chase Travel | 5% on rotating categories (up to $1,500/quarter), 5% Chase Travel, 3% dining/drugstores, 1% all other purchases | $200 cash back after spending $500 on purchases in the first 3 months | |
| 5 | Bank of America Customized Cash Rewards Credit Card | 0 | Choice category (e.g., Gas, Dining, Online Shopping), Groceries, Wholesale Clubs | 3% on chosen category, 2% at grocery stores/wholesale clubs (on first $2,500 combined/quarter), 1% on other purchases | $200 online cash rewards bonus after spending $1,000 in 90 days | |
| 6 | Amazon Prime Rewards Visa Signature Card | 0 | Amazon.com, Whole Foods Market, Chase Travel, Gas Stations, Restaurants, Local Transit | 5% Amazon/Whole Foods/Chase Travel, 2% gas/restaurants/local transit, 1% on other purchases | $150 Amazon Gift Card instantly upon approval (for Prime members) | |
| 7 | U.S. Bank Cash+ Visa Signature Card | 0 | Two chosen 5% categories, one chosen 2% everyday category (e.g., Gas, Groceries, Restaurants) | 5% on first $2,000 in two chosen categories/quarter, 2% on one chosen everyday category, 1% on other purchases | $250 bonus after spending $1,000 in eligible purchases within 90 days | |
| 8 | Sam's Club Mastercard | 0 | Gas (anywhere), Dining & Takeout, Sam's Club Purchases | 5% on gas (first $6,000/year, then 1%), 3% on dining/takeout, 1% on other purchases | $30 statement credit after making $30 in eligible Sam's Club purchases within 30 days | |
| 9 | Chase Freedom Unlimited | 0 | All purchases, Dining, Drugstores, Chase Travel | 1.5% on all other purchases, 3% dining/drugstores, 5% Chase Travel | $200 bonus after spending $500 on purchases in the first 3 months | |
| 10 | Costco Anywhere Visa Card by Citi | 0 | Gas & EV Charging, Restaurants, Eligible Travel, Costco & Costco.com | 4% gas/EV charging (first $7,000/year), 3% restaurants/travel, 2% Costco/Costco.com, 1% all other purchases | No direct cash bonus, comes with active Costco membership | |
| 11 | Capital One SavorOne Cash Rewards Credit Card | 0 | Groceries, Dining, Entertainment, Popular Streaming Services | 3% on groceries, dining, entertainment, streaming, 1% on all other purchases | $200 cash bonus after spending $500 on purchases within the first 3 months |
Annual Fee95
Key Cashback CategoriesU.S. Supermarkets, Gas, Streaming, Transit
Typical Cashback Rate6% U.S. supermarkets (up to $6K/year), 6% streaming, 3% gas/transit, 1% others
Welcome OfferUp to $300 cash back after spending $3,000 in 6 months (variable offer)
Annual Fee0
Key Cashback CategoriesTop eligible spend category (e.g., Restaurants, Gas Stations, Grocery Stores)
Typical Cashback Rate5% on top eligible category (up to $500/billing cycle), 1% on all other purchases
Welcome Offer$200 cash back after spending $1,500 in 6 months
Annual Fee0
Key Cashback CategoriesRotating 5% categories (e.g., Gas Stations, Grocery Stores, Restaurants, Amazon)
Typical Cashback Rate5% on rotating categories (up to $1,500/quarter, activation required), 1% on all other purchases
Welcome OfferUnlimited Cashback Match at the end of the first year
Annual Fee0
Key Cashback CategoriesRotating 5% categories, Dining, Drugstores, Chase Travel
Typical Cashback Rate5% on rotating categories (up to $1,500/quarter), 5% Chase Travel, 3% dining/drugstores, 1% all other purchases
Welcome Offer$200 cash back after spending $500 on purchases in the first 3 months
Annual Fee0
Key Cashback CategoriesChoice category (e.g., Gas, Dining, Online Shopping), Groceries, Wholesale Clubs
Typical Cashback Rate3% on chosen category, 2% at grocery stores/wholesale clubs (on first $2,500 combined/quarter), 1% on other purchases
Welcome Offer$200 online cash rewards bonus after spending $1,000 in 90 days
Annual Fee0
Key Cashback CategoriesAmazon.com, Whole Foods Market, Chase Travel, Gas Stations, Restaurants, Local Transit
Typical Cashback Rate5% Amazon/Whole Foods/Chase Travel, 2% gas/restaurants/local transit, 1% on other purchases
Welcome Offer$150 Amazon Gift Card instantly upon approval (for Prime members)
Annual Fee0
Key Cashback CategoriesTwo chosen 5% categories, one chosen 2% everyday category (e.g., Gas, Groceries, Restaurants)
Typical Cashback Rate5% on first $2,000 in two chosen categories/quarter, 2% on one chosen everyday category, 1% on other purchases
Welcome Offer$250 bonus after spending $1,000 in eligible purchases within 90 days
Annual Fee0
Key Cashback CategoriesGas (anywhere), Dining & Takeout, Sam's Club Purchases
Typical Cashback Rate5% on gas (first $6,000/year, then 1%), 3% on dining/takeout, 1% on other purchases
Welcome Offer$30 statement credit after making $30 in eligible Sam's Club purchases within 30 days
Annual Fee0
Key Cashback CategoriesAll purchases, Dining, Drugstores, Chase Travel
Typical Cashback Rate1.5% on all other purchases, 3% dining/drugstores, 5% Chase Travel
Welcome Offer$200 bonus after spending $500 on purchases in the first 3 months
Annual Fee0
Key Cashback CategoriesGas & EV Charging, Restaurants, Eligible Travel, Costco & Costco.com
Typical Cashback Rate4% gas/EV charging (first $7,000/year), 3% restaurants/travel, 2% Costco/Costco.com, 1% all other purchases
Welcome OfferNo direct cash bonus, comes with active Costco membership
Annual Fee0
Key Cashback CategoriesGroceries, Dining, Entertainment, Popular Streaming Services
Typical Cashback Rate3% on groceries, dining, entertainment, streaming, 1% on all other purchases
Welcome Offer$200 cash bonus after spending $500 on purchases within the first 3 months
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