Reply
Valued Contributor
Posts: 1,863
Registered: ‎09-20-2011
0

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: 229
Registered: ‎02-20-2013
0

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
0

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! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Contributor
Posts: 677
Registered: ‎09-12-2011
0

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 $10K; Citi Simplicity Visa $17.3K; Discover IT $24K; 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
0

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.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.