Best Grocery Card now that SMMC died?

Anonymous · ‎10-05-2015

NO AMEX's.

I shop at Asian grocery stores and they don't take amex.

What would you guys choose?

Anonymous · ‎10-05-2015

Depends on how much you spend...there's a nice chart here: http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/td-p/4004725

Anonymous · ‎10-05-2015

@Anonymous wrote:
Depends on how much you spend...there's a nice chart here: http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/td-p/4004725

Thanks for that, but if you looked at the gas AND grocery chart, it's mainly filled with AMEX + SM and a CCU card.

I'm looking for the best card for groceries ONLY and one that isn't an AMEX.

celluloid17 · ‎10-05-2015

@Anonymous wrote:
NO AMEX's.

I shop at Asian grocery stores and they don't take amex.

What would you guys choose?

If you live within the footprint of Huntington Bank (Midwest?), there's the Huntington Voice Card that is a select your own 3% category card and one of the options is grocery stores and 1% back on evyerhing else. It's a MasterCard and there are also no FTF. https://www.huntington.com/landing/pas/creditcardrewards/ If you don't live in their geographic region, you won't be able to apply.

Other than that, the only options given your criteria are 2% cards (BOA Cash Rewards, US Bank Cash +, Citi Double Cash, etc.).

Chase Freedom did offer 5% back at grocery stores during the first quarter of this year. Perhaps they will do the same in Q1 2016?

kdong1996 · ‎10-05-2015

Honestly, now that the SM is gone, and Amex isn't an option, I think it'd be better to just get a flat 2% card since you're going to be looking at 2-3% max if we exclude cards with rotating categories. Might as well put the inquiry to use and get something with a bonus, since you'd have to spend quite a lot to match a decent bonus anyways.

14Fiesta · ‎10-05-2015

If you're looking for consistency in rewards (non rotating) and acceptance of the card, BOA has the cash rewards that earns 2% on groceries, however if you can get with Citi, the double cash card kinda wins because you can get 2% everything and not just groceries.

Do these Asian markets take Discover? You could do a Freedom + it combo with regards to 5% rotating cashback categories on groceries. Plus Discover has the double your cash back deal going on so you could get 10% during the grocery category.

EX FICO (AMEX): 728 (4/29/17) | TU FICO (Discover): 737 (4/7/17) | EQ FICO (Citi): 746 (3/28/17)

Anonymous · ‎10-05-2015

@14Fiesta wrote:
If you're looking for consistency in rewards (non rotating) and acceptance of the card, BOA has the cash rewards that earns 2% on groceries, however if you can get with Citi, the double cash card kinda wins because you can get 2% everything and not just groceries.

Do these Asian markets take Discover? You could do a Freedom + it combo with regards to 5% rotating cashback categories on groceries. Plus Discover has the double your cash back deal going on so you could get 10% during the grocery category.

Only Visa and MC.

Anonymous · ‎10-05-2015

@Anonymous wrote:
@Anonymous wrote:
Depends on how much you spend...there's a nice chart here: http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/td-p/4004725
Thanks for that, but if you looked at the gas AND grocery chart, it's mainly filled with AMEX + SM and a CCU card.

I'm looking for the best card for groceries ONLY and one that isn't an AMEX.

Good point; my bad!

As suggested above, Huntington Voice gets 3%. In addition, so do Golden1 Platinum Rewards and Consumer Credit Union Cash Rewards.

Anonymous · ‎10-05-2015

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Depends on how much you spend...there's a nice chart here: http://ficoforums.myfico.com/t5/Credit-Cards/Cash-Back-credit-card-charts/td-p/4004725
Thanks for that, but if you looked at the gas AND grocery chart, it's mainly filled with AMEX + SM and a CCU card.

I'm looking for the best card for groceries ONLY and one that isn't an AMEX.
Good point; my bad!

As suggested above, Huntington Voice gets 3%. In addition, so do Golden1 Platinum Rewards and Consumer Credit Union Cash Rewards.

I'm in California, so HV wouldn't be an option. Nor would Golden1, I believe.

Looks like its between CCU and Citi DC.

Thanks for everyone's input.

Anonymous · ‎10-05-2015

Actually it appears that Golden 1 is California-based; according to their website they are "California's leading financial cooperative" so you might be in luck!