Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011

Re: Chase Points/Cash on Groceries

Depending on how much you spend on groceries take a look at the Amex BCP.  6% there and the 3% back on gas would be very good for the 6-9 months of the year it's not a Freedom category.

Regular Contributor
Posts: 233
Registered: ‎02-20-2013

Re: Chase Points/Cash on Groceries

I don't think I could justify the AF because I do most of my grocery shopping at Walmart and Target. I only do about 15% at a stand alone grocery store. So instead of the BCE, I think I'd rather the Penfed Platinum Rewards with 5x on Gas and 3x on Groceries.
Chase Sapphire Preferred $17,800; Discover IT $15,000; PenFed Plat Rewards Signature $14,000; AMEX BCE $11,800; AMEX SPG $8,100; Citi Simplicity $10,000; Chase United MileagePlus Explorer $5,000; Chase Ink Classic $3,000; GE Lumber Liquidators $7000; GE Care Credit $2000
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012

Re: Chase Points/Cash on Groceries

The Barclays Rewards MC gives 2 points per dollar on groceries. I just applied for it.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Established Contributor
Posts: 701
Registered: ‎09-12-2011

Re: Chase Points/Cash on Groceries

I chose the grocery category as my 2% category on my Cash+ card, and my local Walmart & Target Supercenters are both recognized as grocery for my purchases.  The nice part is that there is no cap on the 2% category rewards.  And until August 10th, I'm actually getting 2.75% cash back on grocery since I have a platinum checking pkg. and I also only redeem my rewards in $100 increments so that I get the $25 bonus.


My DH has a BofA Cash Rewards card and that also provides 2% cash back on grocery purchases (including Walmart & Target Superstores), but there is the cap of $1500 per quarter.



FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 809 3/4/15; EX08 812 3/8/15 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $19.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $11.6K; Citi Simplicity Visa $17.3K; Discover IT $26.5K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $17.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012

Re: Chase Points/Cash on Groceries

We spend a lot on groceries, so the cap on the BCP was a problem. 


My plan was to use BCP for the first $6K each year, then switch to the Penfed Platinum Rewards at 3% for the rest (this is uncapped and can also be used abroad).  That will probably be my plan next year now, since I got the TYP which has 5x on groceries for 12 months.


I'm hoping another time-limited good offer comes before that expires!


There are other good offers out there depending on spend, e.g. Sallie Mae is 5% on the first $250 grocery spend per month, which can be fine for a single (or people who eat out a lot rather than buy groceries!).


But as the OP says, Chase aren't really in this field, except sometimes as a category in Freedom, which is limited to $75 per quarter.

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