Best Credit Cards For Groceries

Citi Rewards+ Review

Rating: 5 Stars

Bottom Line:
Grocery and Gas Rewards For People Who Make A Lot Of Small Purchases

Card Details

Regular APR:	15.49% – 25.49% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	2 ThankYou Points per dollar at Supermarkets and Gas Stations for the first $6,000 per year, then 1 point per dollar 1 point per dollar on all other purchases Every purchase is rounded up to nearest 10 points ($3 cup of coffee earns 10 points, $12 pizza earns 20 points)
Credit Needed:	(670 ? 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
The Citi Rewards+ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase, with no cap
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
Earn 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year

Is Citi Rewards+ worth it?

Citi Rewards+ is a solid card for cardholders who shop at supermarkets and gas stations with high frequency. This card is also good for paying for purchases over time and balance transfers with 0% Intro APR for 15 months.

Pros

0% Intro APR on purchases and balance transfers for 15 months
15,000 bonus points after you spend $1,000 within 90 days of account opening
10% points back for the first 100,000 points you earn every year
No annual fee

Cons

ThankYou points convert to cash back at a lower than average rate than other points

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7% in USD
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	N/A
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Concierge Service

Get Started with Citi Rewards+

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Fifth Third Bank TRIO Credit Card Review

Rating: 4 Stars

Bottom Line:
Cash Back With A Capped Amount But Without An Annual Fee

Apply Now

Card Details

Regular APR:	16.24% to 25.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for 12 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	3% cash back at restaurants 2% cash back on gas, grocery store and drug store purchases (on up to $1,500 in combined qualified purchases per quarter) 1% cash back on purchases after $1,500
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
1% unlimited cash back on all other purchases
Earn a new account bonus worth $100! Earn 10,000 bonus points which can be redeemed for $100 cash back, simply spend $1,000 within 90 days of opening your account
0% Introductory APR on Balance Transfers for your first 12 billing cycles after the account is open, then your variable APR will be 15.99%-24.99% based on your creditworthiness
No international transaction fees on credit purchases
No Annual Fee
Click apply now and view the Notices & Disclosures section for Important Rates, Fees and Other Cost Information and Rewards Details

Is Fifth Third Bank TRIO Credit Card worth it?

Fifth Third Bank TRIO is a strong card for cardholders who spend a modest amount on dining, which earns 3 cash back, and on gas, grocery stores and drugstores, which earn 2% cash back, which, together with dining, earn at their respective cash back rates up to a combined spending of $1,500 per quarter across all categories.

The value of each point is $0.01, so you receive the $100 signup bonus if you spend $1000 in the first 90 days in the form of 10,000 Rewards Points, which you can take as a $100 check or as a deposit in a Fifth Third account. For small spenders looking for cash back and perhaps a balance transfer, this is a strong card.

Pros

$100 signup bonus after spending $1000 in first 90 days of account opening
0% for 15 months on balance transfers
No annual fee
No foreign transaction fee

Cons

$1,500 per quarter is a low cap for many cardholders in combined gas, grocery stores, drugstores, and dining spending
Higher than average balance transfer fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 4% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each Cash Advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Cellphone Protection

Concierge Service

Extended Warranty Program

Purchase Protection

Travel Assistance

Get Started with Fifth Third Bank TRIO

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Discover it Student Cash Back Credit Card Review

Rating: 4 Stars

Bottom Line:
High Cash Back for Students

Apply Now

Card Details

Regular APR:	14.99% – 23.99% (Variable)
Intro APR (Purchases):	10.99% for 6 months
Intro APR (Balance transfers):	10.99% for 6 months
Rewards Rate:	5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to $1,500 per quarter each time you activate 1% unlimited cash back on all other purchases. Discover has cash back match at end of first year
Credit Needed:	(300-669) Bad/Fair
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO?
Credit Score, number of recent inquiries and more.
Freeze It? on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% ? 23.99%.

Is Discover it Student Cash Back Credit Card worth it?

Discover it Student Cash Back is a great card for students who want to build credit and take advantage of rotating cash back categories. For students who are more interested in ongoing rewards, this card provides 5% cash back in rotating categories and 1% unlimited cash back and Discover will match all cash back at the end of the year.

Pros

Build your credit
Higher than average cash back rewards for a student card

Cons

5% cash back categories must be activated, online or by phone, to take effect

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Student Cash Back

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Discover it Cash Back Credit Card Review

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Finance Purchases

Apply Now

Card Details

Regular APR:	13.99% – 24.99% (Variable)
Intro APR (Purchases):	0% for 14 months
Intro APR (Balance transfers):	0% for 14 months
Rewards Rate:	5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
No annual fee.

Is Discover it Cash Back Credit Card worth it?

Discover it Cash Back is a solid cash back card with the option to pay off purchases or debt at 0% for 14 months. This card has 5% cash back in popular, rotating categories up to the quarterly max. The ongoing unlimited cash back is 1%, which is an average cash back rate.

Here?s the 2020 Discover 5% cash back Calendar:

Jan – Mar 2020	Grocery Stores, Walgreens, and CVS
Apr – Jun 2020	Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020	Restaurants and PayPal
Oct – Dec 2020	Amazon.com, Walmart.com and Target.com

Pros

Discover doubles all earned cash back at end of first year
0% Intro APR for 14 months on purchases and balance transfers
No annual fee

Cons

Quarterly cap for 5% cash back is $1,500
No intro bonus

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Cash Back

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American Express Blue Cash Preferred Review

American Express Blue Cash Preferred Credit Card

Rating: 5 Stars

Bottom Line:
Superior Cash Back on Groceries

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 12 months
Rewards Rate:	6% cash back at U.S. supermarkets on up to $6,000 per year, (then 1%) 6% cash back on select U.S. streaming subscriptions 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more 3% cash back at U.S. gas stations 1% cash back on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$95
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $300 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
New 6% Cash Back on select U.S. streaming subscriptions.
New 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express Cards in 2018.
$95 annual fee.
Terms Apply.

Is American Express Blue Cash Preferred worth it?

Blue Cash Preferred from American Express is simply a superior card for cardholders who spend a lot on groceries and gas.

Pros

6% cash back on up to $6,000 in purchases at U.S. supermarkets (then 1%) and on selected streaming subscriptions
3% cash back at U.S. gas stations and on transit including taxis/rideshare, parking, tolls, trains, buses and more.

Cons

Travel (flights) rewards fall in 1% cash back category
Annual fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7%
Balance Transfer Fee	3% of the transaction amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	29.99% Variable

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Return Protection

Travel and Emergency Assistance

Get Started with American Express Blue Cash Preferred

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American Express Blue Cash Everyday Review

American Express Blue Cash Everyday Credit Card

Rating: 5 Stars

Bottom Line:
Cash Back On Groceries and 0% Intro Interest on Purchases and Balance Transfers

Apply Now

Card Details

Regular APR:	14.99% – 25.99% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	3% Cash Back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%) 2% cash back at U.S. gas stations & select U.S. department stores 1% cash back on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a $175 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
3% Cash Back at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%)
2% cash back at U.S. gas stations & select U.S. department stores
1% cash back on other purchases
You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express? Cards in 2018.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
$95 annual fee.
Terms Apply.

Is Blue Cash Everyday from American Express worth it?

Blue Cash Everyday from American Express is a solid no annual fee card for cardholders who spend a lot on groceries and gas. With 0% Intro APR for 15 months, this is also a solid card for paying off big purchases over time.

Pros

3% cash back on up to $6,000 in purchases at U.S. supermarkets, then 1%
2% cash back at U.S. gas stations and select U.S. department stores, including Kohl’s, J.C. Penney, and Macy?s. In store and online purchases at these department stores receive cash back.
No annual fee

Cons

Travel (flights) rewards fall in 1% cash back category

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	2% of the amount of each transaction
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Travel and Emergency Assistance

Get Started with American Express Blue Cash Everyday

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American Express Gold Card Review

Rating: 4 Stars

Bottom Line:
Eat Out, Buy A Lot Of Groceries, And Get Travel In Return

Apply Now

Card Details

Regular APR:	If you activate Pay Over Time: 17.49% to 24.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	4 Membership Rewards points per dollar when you dine at restaurants worldwide 4 Membership Rewards points per dollar at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X) 3 Membership Rewards points per dollar on flights booked directly with airlines or on amextravel.com
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$250
Card Brand:	American Express

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 35,000 Membership Rewards Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
Earn 4X Membership Rewards points when you dine at restaurants worldwide. Earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com.
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth?s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
You can carry a balance with interest on eligible charges of $100 or more, giving you more control over the amount you pay. When your payment is due, you can choose to pay your Account Total New Balance, the minimum due or any amount in between, with interest
No Foreign Transaction Fees.
Annual Fee is $250.

Is American Express Gold Card worth it?

American Express Gold is a great card for cardholders who spend a lot on dining out and grocery shopping. These categories earn four points per dollar (up to $25,000 per year in purchases for supermarkets, then one point per dollar).

American Express offers the following charge cards: American Express Plum Card, American Express Business Green Rewards, American Express Business Platinum and American Express Platinum, and American Express Business Gold and American Express Gold Card. Just like for the others, If you need to carry a balance with American Express Gold, you can use American Express Pay Over Time feature, which for American Express Gold uses an APR of 17.49% to 24.49% (Variable). You essentially now have a credit card, but not all charges will get carried over into the next month. You choose between the Extended Payment Option, where charges over $100 are automatically moved into your Pay Over Time balance, Select & Pay Later, where you manually choose charges over $100 to move into your Pay Over Time balance, or Sign & Travel, where airline tickets, hotel stays, car rentals, cruises and charges in other countries are moved into your Pay Over Time balance. It’s not the simplest program but whichever choice you select, you basically now have a credit card, where you can choose to pay the full balance, the minimum payment, or anything in between. This is in contrast to what would normally happen with a charge card, where you are required to pay the full balance every month, and if you don’t, you incur a late fee even if you pay an amount that would be above what would be considered the normal minimum payment if the card were a credit card. Charge cards also don’t impact your credit, because you are not extended a credit line.

Pros

High four points per dollar on dining and groceries
Higher than average three points per dollar travel rewards, redeemable on Amex Travel, which in most cases offers competitive rates with Expedia and Orbitz

Cons

$250 Annual fee
Inflexible rewards requirements: other cards offer a similar rewards rate on all travel purchases – but unlike other cards – American Express Gold will not earn rewards on bookings through third-party travel sites

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	Either 5% of transaction amount or $10, whichever is greater
Penalty APR	See Terms

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Travel Assistance

Get Started with American Express Gold Card

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American Airlines AAdvantage MileUp Credit Card Review

Rating: 4 Stars

Bottom Line:
Travel Without An Annual Fee

Apply Now

Card Details

Regular APR:	17.49% to 25.49%
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases Earn 1 AAdvantage mile for every $1 spent on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 10,000 American Airlines AAdvantage Bonus Miles and Receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services
Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases
Earn 1 AAdvantage mile for every $1 spent on other purchases
25% savings on inflight purchases of drinks and snacks when you use your card on American Airlines flights
There’s no limit to the number of AAdvantage miles you can earn
Use your miles for award travel to over 1,000 destinations worldwide, with flexible redemption options for one-way or round trip awards on American Airlines. Your AAdvantage miles can also be redeemed for Business and First Class upgrades, car rentals, hotel stays or vacation packages. The choice is yours
No Annual Fee.
Terms Apply.

Is American Airlines AAdvantage MileUp Credit Card worth it?

American Airlines AAdvantage MileUp is a great card for people who fly American Airlines from time to time, but don’t want an annual fee card. Cardholders earn 2 AAdvantage miles on every dollar spent on American Airlines purchases and at grocery stores, including grocery delivery services.

The card has no annual fee, and as a result you get no first free checked bag and no preferred boarding, which is offered by the other AAdvantage cards issued by Citi. That said, the welcome bonus takes only $500 in spend to hit, so if you’re looking to fly American Airlines and don’t want to shell out for a more premium travel card, American Airlines AAdvantage MileUp is a great card for you.

Pros

Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services
Earn 10,000 American Airlines AAdvantage Bonus Miles and Receive a $50 statement credit after making $500 in purchases within the first 3 months

Cons

Foreign transaction fee – not good for a travel card, unless you only travel domestically
No first free checked bag
No preferred boarding

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty APR	Up to 29.99% APR

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Get Started with American Airlines AAdvantage MileUp Credit Card

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Citi Rewards+ Student Credit Card Review

Rating: 4 Stars

Bottom Line:
Student Grocery and Gas

Apply Now

Card Details

Regular APR:	16.49% – 26.49% (Variable)
Intro APR (Purchases):	0% for 7 months
Intro APR (Balance transfers):	None
Rewards Rate:	2 ThankYou Points per dollar at Supermarkets and Gas Stations for the first $6,000 per year, then 1 point per dollar 1 point per dollar on all other purchases Every purchase is rounded up to nearest 10 points ($3 cup of coffee earns 10 points, $12 pizza earns 20 points)
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
The Citi Rewards+ Student Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.49% – 26.49%, based on your creditworthiness
Earn 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year
No annual fee

Is Citi Rewards+ Student Credit Card worth it?

Citi Rewards+ Student is a solid card for cardholders who shop at supermarkets and gas stations with high frequency. This card is also good for students to pay off purchases over time with 0% Intro APR for 7 months.

Pros

0% Intro APR on purchases for 7 months
2,500 bonus points after you spend $500 within 90 days of account opening
10% points back for the first 100,000 points you earn every year
No annual fee

Cons

ThankYou points convert to cash back at a lower than average rate than other points

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	Up to 29.99% (Variable)

Benefits

$0 Fraud Liability

Get Started with Citi Rewards+ Student Credit Card

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Capital One Savor Cash Rewards Credit Card Review

Capital One Savor Cash Rewards Credit Cards

Rating: 5 Stars

Bottom Line:
High Cash Back On Dining And Entertainment

Apply Now

Card Details

Regular APR:	16.74% – 25.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	4% unlimited cash back on dining and entertainment 2% at grocery stores 1% on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$0 intro for first year; $95 after that
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening
Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through May 2020.
Receive a monthly statement credit for a Postmates Unlimited monthly membership through Dec. 2019 with the Capital One Savor Card
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won?t expire for the life of the account and there’s no limit to how much you can earn
No foreign transaction fees
Capital One cardholders get access to premium experiences in dining, entertainment and more
$0 intro annual fee for the first year, $95 after that

Is Capital One Savor Cash Rewards Credit Card worth it?

Savor Cash Rewards from Capital One is a great card for people who spend a lot on going out for dining and for entertainment.

Pros

4x rewards on dining and entertainment
$300 cash bonus when you spend $3,000 in purchases in the first 90 days after account opening

Cons

No travel rewards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	$0
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Purchase Protection

Travel Assistance

Get Started with Capital One Savor Cash Rewards Credit Card

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Discover it Balance Transfer Review

Discover It Balance Transfer Credit Card

Rating: 5 Stars

Bottom Line:
Rotating Cash Back and Pay Off Debt

Apply Now

Card Details

Regular APR:	14.24% – 25.24% (Variable)
Intro APR (Purchases):	0% for 6 months
Intro APR (Balance transfers):	0% for 18 months
Rewards Rate:	5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate 1% unlimited cash back on all other purchases automatically
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There?s no signing up. And no limit to how much is matched.
arn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back any amount, any time. Rewards never expire.
100% U.S. based customer service.
Get your free Credit Scorecard with your FICO Credit Score, number of recent inquiries and more.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
No annual fee.

Is Discover it Balance Transfer worth it?

Discover it Balance Transfer is a strong balance transfer card with a 0% balance transfer intro APR offer for 18 months. With the cash back match, 5% cash back in activated categories, and ongoing 1% cash back, this is a strong rewards card too.

Discover it? Balance Transfer has a shorter 0% Intro APR period on purchases, 6 months, and a longer 0% period on balance transfers, 18 months, versus Discover It Cash Back, which has 14 months of no interest on both purchases and balance transfers. The cards are otherwise the same, so the only decision to make is whether financing or paying off debt is more important to you. You can’t go wrong with either one when it comes to cash back as they earn the same amount and have the same calendar of cash back categories.

Here’s the 2020 Discover 5% cash back Calendar:

Jan – Mar 2020	Grocery Stores, Walgreens, and CVS
Apr – Jun 2020	Gas Stations, Uber, Lyft and Wholesale Clubs
Jul – Sep 2020	Restaurants and PayPal
Oct – Dec 2020	Amazon.com, Walmart.com and Target.com

Pros

0% Intro APR on balance transfers for 18 months
No annual fee
Cash back match – Discover will match the cash back you earn the first year

Cons

3% balance transfer fee
5% cash back requires activating categories

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

4 Stars

Overall

5 Stars. ?????

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Balance Transfer

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World Wildlife Fund Credit Card Review

Rating: 5 Stars

Bottom Line:
Support World Wildlife Fund and Earn Cash Back

Apply Now

Card Details

Regular APR:	15.74 – 25.74% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
2% cash back at grocery stores and wholesale clubs
1% cash back on all other purchases
You?ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
For each new World Wildlife Fund credit card account that is opened and activated through this offer, World Wildlife Fund receives a minimum of $3. World Wildlife Fund also receives 0.08% of all net retail purchases made with this card and $3 for each annual renewal of the card
No annual fee
0% Intro APR for 15 billing cycles for purchases and transfers in first 60 days
Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
Preferred Rewards members earn 25%-75% more cash back on every purchase

Is World Wildlife Fund Credit Card worth it?

World Wildlife Fund Credit Card is a solid card for people who like supporting endangered species conservation and earning cash back. World Wildlife Fund receives a minimum of $3 every time someone activates this card, 0.08% of all net retail purchases made with this card, and another $3 for each annual renewal of the card.

This card is basically Bank of America? Cash Rewards, with the charitable benefits mentioned added. If you spent $10,000 on this card in one year, you would have contributed $8 to the World Wildlife Fund. With this in mind, there are other ways to make an impact, but if you are looking to make passive contributions to support endangered species and earn cash at the same time, World Wildlife Fund Credit Card is a solid card for you.

Pros

3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter
0% Intro APR for 15 billing cycles for purchases and transfers in first 60 days
No annual fee

Cons

3% rewards rate is capped at $2,500 per quarter
Cash back is not redeemable for deposit into bank accounts outside of Bank of America or Merrill Lynch. Cash back is also redeemable for statement credit
Automatic donations from credit card purchases are not tax deductible

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $10 or 3% of the amount of each transaction, whichever is greater.
Cash Advance Fee	See Terms (has exception)
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with World Wildlife Fund Credit Card

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Kroger 1-2-3 REWARDS World Mastercard Review

Rating: 4 Stars

Bottom Line:
For Kroger Shoppers Who Buy Gas

Apply Now

Card Details

Regular APR:	13.49 – 25.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	3 points per eligible net $1 on the Kroger Family of Companies Own Brand Products 2 points per eligible net $1 spend in the Kroger Family of Companies (excluding fuel centers) 1 point per eligible net $1 spent anywhere Mastercard is accepted
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Every 1,000 points = $5 in FREE groceries
3 points per eligible net $1 on the Kroger Family of Companies Own Brand Products
2 points per eligible net $1 spend in the Kroger Family of Companies (excluding fuel centers)
1 point per eligible net $1 spent anywhere Mastercard is accepted
An additional 25? off per gallon for one year each time you redeem at least 100 fuel points at participating Kroger Family of Companies Fuel Centers
No annual fee

Is Kroger 1-2-3 REWARDS World Mastercard worth it?

Kroger 1-2-3 REWARDS World Mastercard is a solid card for people who shop at Kroger frequently. The bulk of Kroger stores are located mainly in the midwest and south.

Kroger 1-2-3 REWARDS World Mastercard earns 3 points per dollar on Kroger’s own products including Heritage Farm, “p$$t check this out”, Luvsome, Bakery Fresh Goodness, Fresh Foods Market, Fresh Selections by Kroger, Home Sense, Comforts for Baby, Simple Truth Organic, Simple Truth, Abound, Private Selection, HemisFares, Big K, Pet Pride, and Kroger. If you don’t regularly buy at least a few of those brands, this card may be less valuable for you.

Cardholders also get 2 points per dollar at the Kroger Family of Companies (excluding fuel centers), which includes Kroger Marketplace, Fred Meyer, Ralphs, King Soopers, Dillons, Smith’s Food & Drug Stores, Smith?s Marketplace, Fry’s Food and Drug Store, Fry’s Marketplace, QFC – Quality Food Centers, City Market, Baker’s, Owen’s, JayC Food Stores, Gerbes, Pay Less Super Markets, Food4Less (So CA, NV, IN and IL stores only), Foods Co, Fred Meyer Jewelers, Littman Jewelers, Barclay Jewelers, and Kroger.

Cardholders also get an additional 25 cents off per gallon for one year each time you redeem at least 100 fuel points at participating Kroger Family of Companies Fuel Centers. To earn fuel points, you buy groceries with your Kroger 1-2-3 REWARDS World Mastercard and earn 1 point per dollar. If you bought $100 of groceries, you would earn the 25 cent discount for one year. Note fuel points do not count towards rewards points, and you would not receive another 25 cents off that already discounted price for redeeming more fuel points.

The Kroger points rewards are issued as Rewards Certificates that can be redeemed at the Kroger Family of Companies, not including Kroger fuel centers. The points are worth one half cent per dollar. Note that the average credit card point is worth one cent per dollar. Rewards Certificates can not be used to purchase alcohol, cigarettes, tobacco or prescription products.

The rewards rate is only 3 points per $1 x one half cent per point = 1.5%, and strictly from a financial perspective you would be better off with a flat-rate cash back card that gives you unlimited cash back on all purchases.

For example, Citi Double Cash gives you 2% cash back on anything, not just Kroger products: 1% when you buy, plus 1% as you pay the balance. If you don’t spend that much at Kroger, you can do even better on groceries and gas specifically with Bank of America Cash Rewards, which gets you 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs up to $2,500 in combined purchases each quarter, followed by 1% cash back on everything else.

If the 25 cent gas benefit is important to you, and if you shop at Kroger or its other companies often and want a store-specific Kroger card, Kroger 1-2-3 REWARDS World Mastercard is a solid card for you.

Pros

3 points per eligible net $1 on the Kroger Family of Companies Own Brand Products
An additional 25 off per gallon for one year each time you redeem at least 100 fuel points at participating Kroger Family of Companies Fuel Centers

Cons

Points are worth one half cent

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either 4% of the amount of each transfer or $10 minimum, whichever is greater
Cash Advance Fee	Either 4% of the amount of each advance or $10 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Insurance

Concierge Service

Emergency Card Replacement and Cash Advance

Extended Warranty Program

Identity Fraud Expense Reimbursement

Identity Theft Resolution Services

Purchase Protection

Price Protection

Roadside Assistance

Travel Accident Insurance

Trip Cancellation/Interruption Insurance

Travel Assistance

Get Started with Kroger 1-2-3 REWARDS World Mastercard

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JetBlue Plus Card Review

Rating: 5 Stars

Bottom Line:
JetBlue Rewards

Apply Now

Card Details

Regular APR:	17.49%, 21.49% or 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for 12 billing cycles for transfers in first 45 days
Rewards Rate:	Earn 6X points on JetBlue purchases Earn 2X points at restaurants and grocery stores Earn 1X points on all other purchases
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$99
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 40,000 bonus points after spending $1,000 on purchases in the first 90 days and paying the annual fee
Earn 6X points on JetBlue purchases
2X points at restaurants and grocery stores and 1X points on all other purchases
Earn 5,000 bonus points every year after your account anniversary
Enjoy Mosaic benefits after spending $50,000 or more on purchases each calendar year with your card
Enjoy an annual $100 statement credit after purchasing a JetBlue Vacations package of $100 or more with your JetBlue Plus Card
50% inflight savings on cocktails and food purchases
Free first checked bag for you and up to 3 companions on the same reservation when you use your JetBlue Plus Card to purchase tickets
Get 10% Points Back After Taking Award Flights

Is JetBlue Plus Card worth it?

JetBlue Plus Card is a great card for JetBlue travelers. It has a $99 annual fee and earns 6X points on JetBlue purchases, 2X points at restaurants and grocery stores, and 1X points on all other purchases. JetBlue Plus Card is like the JetBlue Card, except JetBlue Plus’ signup bonus is 4X higher and the earning rate on JetBlue purchases is 2X higher.

Valuing JetBlue points conservatively at one cent per point, the signup bonus is worth $400 in JetBlue travel. You get Points Pooling with TrueBlue points as well, which allows you and up to 7 friends and family members to combine points to earn awards faster with no point transfer fee.

One thing that is particular to JetBlue among airlines is that you can’t transfer JetBlue points to any other airlines, but you can redeem them on Hawaiian Airlines.

Besides JetBlue flights, you can earn points by the mile flown by adding your TrueBlue number during the booking process on Hawaiian Airlines, Emirates, Singapore Airlines, Icelandair, JSX, Silver Airways, Singapore Airlines, and South African Airways. Most partners offer earnings starting at 1 Point / 2 miles flown and different seating areas have different rewards. If you’re in frequent flyer programs with any of these other airlines, check the value of your ticket before you make the TrueBlue purchase to make sure it’s worth it to book with TrueBlue, because you can only earn rewards from one program for your flight.

If you rarely fly JetBlue but are interested in JetBlue Plus to get started, consider that JetBlue tied with Southwest Airlines for the top place in customer satisfaction among North American low-cost carriers, according to JD Power. Even if you don?t fly JetBlue regularly, if you fly JetBlue at all and get $100 of value on waived first checked bag fees, flight redemptions, or through pooling JetBlue points, this is a great card for you.

Pros

Earn 40,000 bonus points after spending $1,000 on purchases in the first 90 days and paying the annual fee
Earn 6X points on JetBlue purchases
Earn 5,000 bonus points every year after your account anniversary
No foreign transaction fee

Cons

Fewer perks than other travel cards
$99 annual fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

World Luxury Hotels & Resorts

Get Started with JetBlue Plus Card

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JetBlue Card Review

Rating: 5 Stars

Bottom Line:
Starter JetBlue Rewards

Apply Now

Card Details

Regular APR:	17.49%, 21.49% or 26.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	0% for 12 billing cycles for transfers in first 45 days
Rewards Rate:	3X points on JetBlue purchases 2X points at restaurants and grocery stores and 1X points on all other purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
3X points on JetBlue purchases
2X points at restaurants and grocery stores and 1X points on all other purchases
50% inflight savings on cocktails and food purchases
No foreign transaction fee

Is JetBlue Card worth it?

JetBlue Card is a great card for JetBlue travelers. It has no annual fee and earns 3X points on JetBlue purchases, 2X points at restaurants and grocery stores, and 1X points on all other purchases. Valuing JetBlue points conservatively at one cent per point, the signup bonus is worth $100 in JetBlue travel.

You get Points Pooling with TrueBlue points as well, which allows you and up to 7 friends and family members to combine points to earn awards faster with no point transfer fee. Even if you don?t fly JetBlue regularly, if you fly JetBlue at all or would like to pool JetBlue points, this is a great card for you.

Pros

3X points on JetBlue purchases
2X points at restaurants and grocery stores and 1X points on all other purchases
No annual fee
Earn 10,000 bonus points after spending $1,000 on purchases in the first 90 days
Get 10% points rebate when you redeem your points for an award flight

Cons

Fewer perks than other travel cards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Travel Assistance

Get Started with JetBlue Card

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