On a previous podcast, we discussed the most rewarding card for groceries and dining, picking ~4 cards we thought were good for both of these categories. We got a lot of feedback with other suggestions for cards readers thought we should have included. Were they right? Let’s discuss…
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Coffee Break: Best card for groceries & dining (commenters strike back)
Find podcast episode 20 here: The most rewarding card for groceries & dining | Coffee Break Ep20 | 7-30-24
(01:45) – Why did we leave out Citi Custom Cash?
Learn more about the Citi Custom Cash card here
(02:40) – What about the Amex Everyday Preferred card?
Learn more about the Amex Everyday Preferred card here
(03:28) – What about Bilt?
Learn more a out the Bilt card here
(04:08) – Why not include the Amex Hilton Surpass card?
Learn more about the Hilton Surpass Card here
(06:15) – Should we have included the Wyndham Earner Plus Card?
Learn more about the Wyndham Earner Plus Card here
(08:30) – Why doesn’t the Chase Sapphire Preferred card come up in these discussions?
Learn more about the Chase Sapphire Preferred Card here
(13:05) – Why was the Aeroplan card not discussed?
Learn more about the Aeroplan Card here
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Music Credit – Beach Walk by Unicorn Heads
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AMEX Blue Cash Preferred – $95 annual fee, but 6% back on groceries up to $6000 = 4.4%. So I use it until I hit the $6k, then switch to another good grocery card.
A decent one-card solution that gets basically zero attention is the AAA Travel Advantage. It’s not sexy, and it won’t get you outsized value from point transfers, but it has an unusually wide array of bonus categories for one card, which makes it a good option for those who want a simple cashback setup.
5% on gas/electric charging (capped at $7K annually).
3% on travel, groceries, dining, and AAA purchases (uncapped).
You do not have to be a AAA member, and no AF or FTF.
That is a great option. The reason we haven’t covered AAA cards much is that the details of what cards are available varies based on where you live in the US.
When I order on the app and do curbside pickup of groceries at Meijer (Midwest chain), my CSP gives 3 pts per dollar, counting it as online groceries. Also meal kits like Hello Fresh and the like.
Guys, I’d add a little gravy (pun intended) to your food card picks: transfer bonuses. Can’t be ignored when assessing the transferable point cards vs. others.
Bilt will let you 2x on groceries for 30 days at a time when you hit milestones for points earned, but I agree that it’s otherwise not efficient in that category.
BoA CCR: Get 2% on grocery/wholesale clubs and choose dining for 3% category. Platinum Honors makes that 3.5% grocery and 5.25% dining.
Rewards are capped.
And, getting Platinum Honors comes with baggage/hassle: Merrill Lynch. No thanks.
Regarding the Aeroplan Card, my local butcher codes as Grocery under Aeroplan (as well as IHG Premiere) while for Amex he is “Other purchases.” So even though I use a combination of Amex Everyday Preferred and Amex Gold for groceries, the butcher always goes to Aeroplan.