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Best CC for general grocery and household/clothes items?

jbloggs 9,659 4,515 November 17, 2015 at 07:45 AM in Grocery
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Which the best Credit card to use for general Grocery shopping (mainly Costco/Sams Club, local international grocery stores) and household/clothes (few Mall stores like Sears/JC Penny)?

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#2
Keep in min that you will NOT get bonus cash back % on groceries purchased at Costco/Sams/ Club. This is true for any of the general grocery cards including AmEx, Chase, Citibank, etc. - the purchase specifically has to come from a grocery store, not a warehouse store.

If you do most of your grocery shopping at Costco, much much better to get their branded credit card (AmEx now, soon to be Visa).


For Department stores, Chase Ultimate Rewards cards and Discover card often have quarterly promotion for 5% off from department stores. Keep in mind that 1) this is not a year-round promotion, but for 3 month periods at a time and 2) not all department stores are eligible - you need to check the list.
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#3
Sallie Mae for groceries/Amazon, Citi Forward for restaurants
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#4
AMEX Blue Preferred is the best for groceries that I'm aware of at 6% for the first $6K spent per year.
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#5
Quote from flatlight View Post :
Sallie Mae for groceries/Amazon, Citi Forward for restaurants
The traditional Barclay SallieMae has been suspended, possibly discontinued for new applications. This was definitely the best for individuals - 5% gas (up to $250), 5% groceries (up to $250) and 5% bookstores, including Amazon (up to $750). Some Wal-Mart's & Meijer's coded as grocery stores too. Went to open one for my wife and cannot find any active links to apply.

Quote from barebones View Post :
AMEX Blue Preferred is the best for groceries that I'm aware of at 6% for the first $6K spent per year.
Amex also has Blue Cash Everyday card that has 3% groceries, 2% gas with no annual fee. Breakpoint on the Preferred is $25 weekly to offset the annual fee. It also has a $150 sign-up bonus, so there's that.

Old reliable would be Citi DoubleCash - 2% on everything - no annual fee.
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#6
Quote from Cavball9 View Post :
The traditional Barclay SallieMae has been suspended, possibly discontinued for new applications.
Yeah I heard about that. I wonder if it means the CB rewards structure will change? I hope not... I know Barclay recently came out with a 1.5% CB card with $100 sign on bonus and 5% CB categories (which I don't know much about the details).
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#7
How do you find the code for type of merchant for a specific store? I know walmart would definitely be one but it varies from store to store still.
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#8
I have a Chase Freedom and Costco AE (mainly for Costco, gas and traveling items) CC, will switch to Chase if the Quarterly 5% reward category includes gas. I'm still waiting for Costco to roll out more info on their visa to see is it better than the freedom or not.
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#9
I use
Groceries:
2% (extra .25% to.75 if u have an a/c) cash back from BofA =2.xy%

Gas:
3% (extra .25% to.75 if u have an a/c) cash back from BofA =3.xy%
5% switch to my wife's Chase Freedom or use my Discover for 2016 Q1.

Blue Cash Preferred® Card from American Express 6% cash back at US supermarkets (up to $6,000 per year in purchases) annual fee of $75, Sign up bonus: Get $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.

If the idea of paying an annual fee for a credit card is unappealing, try the no-annual-fee Blue Cash Everyday® Card, which gets you 3% cash back at US supermarkets (up to $6,000 per year in purchases), 2% at U.S. gas stations & select U.S. department stores, and 1% on other purchases. Terms and limitations apply. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. There is no annual fee.
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Last edited by rocky_nnc December 18, 2015 at 05:30 PM
#10
AMEX Everyday Preferred - grocery/gas
Chase Sapphire - everything else
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#11
Quote from jbloggs View Post :
Which the best Credit card to use for general Grocery shopping (mainly Costco/Sams Club, local international grocery stores) and household/clothes (few Mall stores like Sears/JC Penny)?
Sallie Mae - 5% Safeway for sure and some local ones
(I know Amex has 6% however the thing with Amex is one never knows which grocery stores it recognizes as grocery store)
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#12
Quote from GreenBills View Post :
Sallie Mae - 5% Safeway for sure and some local ones
(I know Amex has 6% however the thing with Amex is one never knows which grocery stores it recognizes as grocery store)
Not true their website has a big list. Essentially a store that only sells groceries with the exception of some toiletries cleaning supplies and pharmacy, is what counts. So picture a Publix, Winn Dixie etc. Of it's similar it counts. Walmart, Sam's, Costco all sell more than just groceries, thus not a grocery store, but a store with groceries.
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#13
You are going to be limited with warehouse stores, essentially 1%-2% only. But if you do your grocery shopping at actual grocery stores Amex Preferred js top at 6% all year (to $6k) then -Chase Freedom April-June for 5% and Amex Blue (non fee one) for 3% all year. These also -Chase Double rewards for 2% on everything, 1% when you buy 1% when you pay.

Theres also another question, what do you want the most? Cash back or flights? Because you can get cards like -Chase United, that comes out with 60k pints for spending $1k in 3 months, which is equivalent to 2 international round trips, which could be $1-3k worth depending on where you go.
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