3% or better on Grocery forever?
#1
Original Poster
Join Date: Jun 2007
Posts: 1,406
3% or better on Grocery forever?
Is there a Chase UR card that will give you 3% or better on Grocery?
The Freedom card I have is old - it gave 5% and went into a quarterly system.
Is there a new card that comes close to that? Secondly is there a UR competitor has a similar card?,
The Freedom card I have is old - it gave 5% and went into a quarterly system.
Is there a new card that comes close to that? Secondly is there a UR competitor has a similar card?,
#2
Join Date: Apr 2021
Location: Manhattan, Palm Beach Island, San Francisco, Boston, & Hong Kong
Programs: Lifetime United Global Services, Delta Plat, Hyatt Globalist, Marriott Ambassador, & Hilton Diamond
Posts: 3,165
Amex Gold has 4x MR back on groceries but has a $250 AF that requires messy credits to justify.
Citi Custom Cash can earn 5%/5x TYP back on groceries if it’s your top spend category.
Citi Custom Cash can earn 5%/5x TYP back on groceries if it’s your top spend category.
#3
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,957
#4
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#5
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Meanwhile, there's also the Amex Everyday Preferred card, with a $95 AF that earns 4.5x MR on groceries if you make 30+ separate purchases each billing period. The no-AF Amex Everyday card earns 2.4x MR on groceries if you make 20+ separate purchases each billing period.
Last edited by sdsearch; Sep 12, 2021 at 11:04 am Reason: corrected Amex Everyday 20+ earning rate
#6
Join Date: Nov 2004
Location: Los Angeles, CA; Philadelphia, PA
Programs: OZ Diamond
Posts: 6,134
If one is Plat Honors with BofA, you earn 3.5% on grocery stores with a quarterly cap of $2.5K and no AF. It's worthwhile for some.
LAX
PS: BofA's overall CS is not very good based on my personal experience.
LAX
PS: BofA's overall CS is not very good based on my personal experience.
#7
Original Poster
Join Date: Jun 2007
Posts: 1,406
Potential Cards (wiki?):
1. Citi Custom Cash can earn 5%/5x TYP back on groceries if it’s your top spend category. No AF WasKnown
2. Amex Everyday Preferred card, with a $95 AF that earns 4.5x MR on groceries if you make 30+ separate purchases each billing period. sdsearch
3. Amex Gold has 4x MR back on groceries but has a $250 AF that requires messy credits to justify.
sdsearch says Not necessarily messy if you normally eat take-out food a lot. It's simply $10 monthly credit each with GrubHub and UberEats, adding up to $240 if you use both every month and use them in ways that don't raise your cost of eating take-out from other ways you'd order it
4. Plat Honors with BofA, you earn 3.5% on grocery stores with a quarterly cap of $2.5K and no AF. It's worthwhile for some. LAX
5. The no-AF Amex Everyday card earns 3x MR on groceries if you make 20+ separate purchases each billing period sdsearch
Thanks all - I signed up for the (1) above and got approved. So I am moving from (5) to (1). as I became dissatisfied with AMEX due to their harsh Churn policies. They will never approve me (or anyone) for Delta Skymiles though I had one nearly 11yrs ago. I checked it with their Exec team. So why not get 5% on groceries with TYP which seems to work much like Chase UR Travel.
1. Citi Custom Cash can earn 5%/5x TYP back on groceries if it’s your top spend category. No AF WasKnown
2. Amex Everyday Preferred card, with a $95 AF that earns 4.5x MR on groceries if you make 30+ separate purchases each billing period. sdsearch
3. Amex Gold has 4x MR back on groceries but has a $250 AF that requires messy credits to justify.
sdsearch says Not necessarily messy if you normally eat take-out food a lot. It's simply $10 monthly credit each with GrubHub and UberEats, adding up to $240 if you use both every month and use them in ways that don't raise your cost of eating take-out from other ways you'd order it
4. Plat Honors with BofA, you earn 3.5% on grocery stores with a quarterly cap of $2.5K and no AF. It's worthwhile for some. LAX
5. The no-AF Amex Everyday card earns 3x MR on groceries if you make 20+ separate purchases each billing period sdsearch
Thanks all - I signed up for the (1) above and got approved. So I am moving from (5) to (1). as I became dissatisfied with AMEX due to their harsh Churn policies. They will never approve me (or anyone) for Delta Skymiles though I had one nearly 11yrs ago. I checked it with their Exec team. So why not get 5% on groceries with TYP which seems to work much like Chase UR Travel.
#9
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#10
Join Date: Jun 2012
Posts: 3,381
US Bank reserve is probably best if you use contactless mobile wallet(or Samsung MST for places without, though samsung is starting to not include MST in newer phones)
3x points for any mobile payments. point worth $0.01 as cash, or $0.015 if redeemed via travel portal (so a little less than ~4.5%)
$400 annual fee, $325 travel/takeout/delivery/restaurant reimbursement, so ~$75 net fee
TSAPre/global entry every 4 years (~$20/year), 4 free Priority Pass lounge visits, 12 gogo passes
citi grocery is best if you can juggle different cards per category, US Bank reserve is best if you just want one card (on your phone), though it's painful at restaurants where they take your card away, hope USA starts to implement the europe-way of doing things (bring the portable register to the table)
3x points for any mobile payments. point worth $0.01 as cash, or $0.015 if redeemed via travel portal (so a little less than ~4.5%)
$400 annual fee, $325 travel/takeout/delivery/restaurant reimbursement, so ~$75 net fee
TSAPre/global entry every 4 years (~$20/year), 4 free Priority Pass lounge visits, 12 gogo passes
citi grocery is best if you can juggle different cards per category, US Bank reserve is best if you just want one card (on your phone), though it's painful at restaurants where they take your card away, hope USA starts to implement the europe-way of doing things (bring the portable register to the table)
#11
Join Date: Apr 2021
Location: Manhattan, Palm Beach Island, San Francisco, Boston, & Hong Kong
Programs: Lifetime United Global Services, Delta Plat, Hyatt Globalist, Marriott Ambassador, & Hilton Diamond
Posts: 3,165
Not necessarily messy if you normally eat take-out food a lot. It's simply $10 monthly credit each with GrubHub and UberEats, adding up to $240 if you use both every month and use them in ways that don't raise your cost of eating take-out from other ways you'd order it.
Meanwhile, there's also the Amex Everyday Preferred card, with a $95 AF that earns 4.5x MR on groceries if you make 30+ separate purchases each billing period. The no-AF Amex Everyday card earns 3x MR on groceries if you make 20+ separate purchases each billing period.
Meanwhile, there's also the Amex Everyday Preferred card, with a $95 AF that earns 4.5x MR on groceries if you make 30+ separate purchases each billing period. The no-AF Amex Everyday card earns 3x MR on groceries if you make 20+ separate purchases each billing period.
#12
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
There’s no UR card that gives 3x or better on groceries 12 months a year.
As other’s mentioned,
Citi Custom Cash is 5x TYP up to $500 a month for no AF.
Citi Premier is 3x TYP no limit for $95 AF
AMEX Gold 4x up to $25k/yr $250 AF and assorted dining/Uber credits
AMEX EDP 4.5x up to $6k/yr $95 AF
US Bank AR 3x (4.5%) with mobile wallet $400 AF and $325 annual credits + other goodies
If UR are your thing and you have some extra cash, you could get a bunch of Freedoms and stock up on grocery store gift cards when it is a 5x category. I bought $1000s of grocery store gift cards during the AMEX Platinum 10x grocery SUB to max out the $15k limit in time.
As other’s mentioned,
Citi Custom Cash is 5x TYP up to $500 a month for no AF.
Citi Premier is 3x TYP no limit for $95 AF
AMEX Gold 4x up to $25k/yr $250 AF and assorted dining/Uber credits
AMEX EDP 4.5x up to $6k/yr $95 AF
US Bank AR 3x (4.5%) with mobile wallet $400 AF and $325 annual credits + other goodies
If UR are your thing and you have some extra cash, you could get a bunch of Freedoms and stock up on grocery store gift cards when it is a 5x category. I bought $1000s of grocery store gift cards during the AMEX Platinum 10x grocery SUB to max out the $15k limit in time.
#13
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
5. The no-AF Amex Everyday card earns 3x MR on groceries if you make 20+ separate purchases each billing period sdsearch
#14
Join Date: Mar 2013
Location: EWR
Programs: World of Hyatt, Marriott Bonvoy, Hilton Honors, UA Mileage Plus
Posts: 1,255
Thankfully US Bank also has the Altitude Go which is a no fee card that earns 4% on restaurants.