App showing best card by category?

dlister70 · ‎03-24-2023

I currently get 3% cashback on groceries, and I was compiling a list of any cards that got better than that as it's my highest spending category that I don't get 5% in. I THINK that for me, the Citi Custom Cash is probably my best bet for a 5% card, since I don't buy enough groceries per year to make the annual fee on AMEX BCP 6% make sense.

Then I started to wonder what the best card was for each category. I started compiling THAT list, and realized that surely someone has already made this list before!

Is there an app or a website where you can just plug in "grocery" and it spits out the highest % cashback cards for grocery? Or any other category for that matter.

cws-21 · ‎03-24-2023

Reddit has relatively comprehensive lists for the best cash back cards by category.

ptatohed · ‎03-24-2023

There are not a whole lot of cards that get 5% on groceries all year long. The AAA Daily Advantage Visa Sig definitely comes to mind.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

dlister70 · ‎03-24-2023

@cws-21 wrote:
Reddit has relatively comprehensive lists for the best cash back cards by category.

That's a nice list, thank you for the link!

dlister70 · ‎03-24-2023

@ptatohed wrote:
There are not a whole lot of cards that get 5% on groceries all year long. The AAA Daily Advantage Visa Sig definitely comes to mind.

Wow, I haven't heard of that one, that's a nice reward card! Looks like it's backed by Comenity Bank though. Isn't that one of the banks people don't like? I don't think I've ever had one of their cards, it's just something I've read.

ptatohed · ‎03-25-2023

@dlister70 wrote:
@ptatohed wrote:
There are not a whole lot of cards that get 5% on groceries all year long. The AAA Daily Advantage Visa Sig definitely comes to mind.

Wow, I haven't heard of that one, that's a nice reward card! Looks like it's backed by Comenity Bank though. Isn't that one of the banks people don't like? I don't think I've ever had one of their cards, it's just something I've read.

I've read that too. But I think, for the most part, most of those who have received the AAA cards have been happy with minimal/no complaints.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Tcal · ‎03-25-2023

@ptatohed wrote:
@dlister70 wrote:
@ptatohed wrote:
There are not a whole lot of cards that get 5% on groceries all year long. The AAA Daily Advantage Visa Sig definitely comes to mind.

Wow, I haven't heard of that one, that's a nice reward card! Looks like it's backed by Comenity Bank though. Isn't that one of the banks people don't like? I don't think I've ever had one of their cards, it's just something I've read.

I've read that too. But I think, for the most part, most of those who have received the AAA cards have been happy with minimal/no complaints.

That card is amazing. Other than them classifying it as a charge card on my report for some reason. The cashback comes pretty quick and I can easily add it to my bank account.

The rewards category are astounding as well