The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for big U.S. supermarket spenders
Groceries are among the most common household expenses, which is why having one of the best grocery credit cards in your wallet just makes sense. Stocking up on groceries presents a great opportunity to earn credit card rewards, whether you’re looking for cash back to go right back into your household’s bottom line or travel rewards for your next getaway.
To help you find the best card that suits your needs, our team of experts has compiled this list of contenders that will help you maximize earnings at the grocery store — and may offer other bonuses and perks as well.
Check out our curated selection and comprehensive guide on some of the best grocery cards from our partners below.
MoreDetails
“More details on the best grocery credit cards”
Credit pointers with Brian Kelly
48 sec video
Only cards with strong earning rates on grocery purchases made the cut, and we also looked at what other bonus categories were offered with each card.
A card is only worth it if the value it provides outweighs the annual cost of the card. We focused on including cards that won’t add hundreds of dollars in annual fees to your wallet.
New applicants can earn bonus rewards when they hit certain spending thresholds on the card. We took the welcome offer on each card into consideration when compiling our list of the best grocery cards.
We took into account how easy it is to redeem rewards and how much value cardholders can get from their redemption options for each card.
Other benefits — such as statement credits, travel protections, 0% APR introductory periods and more — were also considered when evaluating the best grocery credit cards.
Earning bonus rewards on your grocery shopping is a top priority for many consumers. In a recent survey, 63% of TPG readers reported earning bonus rewards on grocery purchases while 46% of TPG readers rank bonus earnings at grocery stores and supermarkets as the most important perk of a credit card. The best grocery cards offer elevated earning rates and can deliver significant value to any household’s wallet.
Choosing the right credit card — whether you’re looking for a grocery card, a travel card or something else — is all about knowing your goals and finding a card that will add value to your wallet and your lifestyle. A lot of credit cards earn rewards on groceries, so it’s important to look at more than just one bonus category when making a decision to apply for a card. Knowing what you want to gain from your credit card will help you determine which card is the right choice for you.
Here are some of the main points to consider when choosing a grocery card:
Depending on your grocery and overall food expenses, a card with an annual fee may be well worth its cost. Is the value of your earned rewards higher than your annual fee? If yes, then it is a considerable contender for your wallet. If not, we have included several great no annual fee cards so that you can get the most out of your spending.
One of the primary factors in determining a card’s value is its welcome bonus. Select cards on this list offer a significant welcome bonus which should be a consideration in the card making decision. You don’t want to miss the chance to earn a welcome bonus on a card so make sure your spending aligns with you chosen credit card’s requirements.
All of the cards on this list feature an elevated reward rate on groceries, whether it is cash back or points and miles. Many of the cards also feature additional bonus categories like dining and travel. Consider a card that earns rewards on your most common spending categories to maximize the value of those purchases.
Check out our tips to earn more rewards at the supermarket
The short answer? No.
Each credit card issuer has its own criteria for what it classifies as a grocery store or supermarket purchase. For example, while you may buy a lot of groceries at a big-box store such as Walmart or Target, many credit cards that earn rewards on groceries actually exclude those chains.
Additionally, some issuers include specialty markets like butchers in their definition of grocery stores, but others do not.
Before signing up for a grocery store credit card, make sure to check that you’ll be able to earn rewards with it at your local grocery store and that it suits your specific needs.
The best card for you will depend on various factors, including your spending habits and financial goals. However, there are plenty of great options included in our list of best grocery credit cards if you’re interested in a card that doesn’t carry an annual fee:
Additionally, you might be interested in specific store cards that carry no annual fee, if you are a loyal shopper at these retailers for groceries:
The information for the Prime Visa and Target RedCard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
If you’re someone who spends a lot of money on groceries each month, making sure you’re earning bonus rewards on those purchases with a grocery store credit card is definitely worth the investment.
Even for those with lower monthly budgets, many no-annual-fee credit cards will help you save money on groceries without costing you anything (so long as you avoid interest fees by paying off your card in full each month).
Madison Blancaflor is the managing editor for TPG's content operations team. She focuses on helping TPG's broader editorial team bring news, features and advice to readers. She has nearly six years of experience covering the credit cards and travel industries.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Daisy is a credit cards editor at TPG. Her expertise spans earning and redeeming rewards across rotating categories on multiple cards.Prior to this, she wrote news stories, how-to guides and tested and reviewed gear for Popular Mechanics, Sports Illustrated, Bicycling and Runner's World.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
Best for big U.S. supermarket spenders
| Rate | Category |
|---|---|
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
As High As 100,000 points. Find Out Your Offer.
$325
See Pay Over Time APR
Excellent to Good
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Best for big U.S. supermarket spenders
As High As 100,000 points. Find Out Your Offer.
$325
See Pay Over Time APR
Excellent to Good
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Best for cash back
| Rate | Category |
|---|---|
| 6% | Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%). |
| 6% | Earn 6% cash back on select U.S. streaming subscriptions. |
| 3% | Earn 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases. |
| 1% | Earn 1% cash back on other purchases. |
As High As $300 Cash Back. Find Out Your Offer.
$0 intro annual fee for the first year, then $95.
19.74%-28.74% Variable
Excellent to Good
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card.
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card.
Best for cash back
As High As $300 Cash Back. Find Out Your Offer.
$0 intro annual fee for the first year, then $95.
19.74%-28.74% Variable
Excellent to Good
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our full review of the Blue Cash Preferred Card.
Best for Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card
| Rate | Category |
|---|---|
| 5X | Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com. |
| 3X | Earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. |
| 3X | Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. |
| 2X | Earn 2 ThankYou® Points for each $1 spent at Restaurants. |
| 1X | Earn 1 ThankYou® Point for each $1 spent on All Other Purchases. |
Earn 20,000 bonus Points
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Best for Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card
Earn 20,000 bonus Points
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
The Citi Strata℠ Card offers solid reward rates and a welcome bonus of 20,000 points after spending $1,000 on purchases in the first three months from account opening — not bad for a card that doesn’t charge an annual fee. Plus, the Citi Strata allows cardholders the flexibility to self-select an eligible bonus category of their choice that earns 3 points per dollar spent, making it an even more valuable prospect for potential applicants.
Best for earning Chase points
| Rate | Category |
|---|---|
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, vacation homes at top brands, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs). |
| 2x | Earn 2x on all other travel purchases. |
| 1x | Earn 1x on all other purchases. |
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
Excellent/Good
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for earning Chase points
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
Excellent/Good
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for low annual fee
| Rate | Category |
|---|---|
| 12X | Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. |
| 6X | Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. |
| 4X | Earn 4X Hilton Honors Bonus Points for each dollar of U.S. Online Retail purchases. |
| 3X | Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. |
Earn 130,000 Hilton Honors Points + a Free Night Reward
$150
19.74%-28.74% Variable
Good to Excellent
The Hilton Honors Surpass Card stands out in the crowded mid-tier category of cobranded hotel credit cards. It comes with elite-like perks at a reasonable annual fee. Read our full review of the Hilton Honors American Express Surpass Card.
The Hilton Honors Surpass Card stands out in the crowded mid-tier category of cobranded hotel credit cards. It comes with elite-like perks at a reasonable annual fee. Read our full review of the Hilton Honors American Express Surpass Card.
Best for low annual fee
Earn 130,000 Hilton Honors Points + a Free Night Reward
$150
19.74%-28.74% Variable
Good to Excellent
The Hilton Honors Surpass Card stands out in the crowded mid-tier category of cobranded hotel credit cards. It comes with elite-like perks at a reasonable annual fee. Read our full review of the Hilton Honors American Express Surpass Card.
Best for simple cash back
| Rate | Category |
|---|---|
| 3% | Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). |
| 1% | Earn 1% cash back on all other eligible purchases. |
As High As $200 Cash Back. Find Out Your Offer.
$0
19.74%-28.74% Variable
Excellent to Good
The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of the Blue Cash Everyday Card from American Express.
The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of the Blue Cash Everyday Card from American Express.
Best for simple cash back
As High As $200 Cash Back. Find Out Your Offer.
$0
19.74%-28.74% Variable
Excellent to Good
The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of the Blue Cash Everyday Card from American Express.
Best for starter travel
| Rate | Category |
|---|---|
| 10X | Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. |
| 3X | Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. |
| 1X | Earn 1 Point per $1 spent on all other purchases |
Earn 60,000 bonus ThankYou® Points
$95
19.74% - 27.74% (Variable)
670-850
Excellent, Good
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Best for starter travel
Earn 60,000 bonus ThankYou® Points
$95
19.74% - 27.74% (Variable)
670-850
Excellent, Good
The Citi Strata Premier has some valuable transfer partners to make the most of your rewards plus, you’ll get a $100 hotel credit for any single-stay hotel booking that exceeds $500 or more, excluding taxes and fees, when you book through the Citi Travel website.
Best for a no-annual-fee grocery card
| Rate | Category |
|---|---|
| 8% | Earn 8% cash back on Capital One Entertainment purchases |
| 5% | Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel |
| 3% | Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services |
| 1% | Earn 1% cash back on all other purchases |
Earn $200 Cash Back
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
The Capital One Savor is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.
The Capital One Savor is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.
Best for a no-annual-fee grocery card
Earn $200 Cash Back
$0
18.74% - 28.74% (Variable)
670-850
Excellent, Good
The Capital One Savor is a great cash back credit card for beginners looking for a solid rewards structure and no annual fee. Dining, entertainment and groceries are high-value bonus categories, and it’s rare for a card to hit all three. Read our full review of the Capital One Savor Cash Rewards Credit Card.
Best for no annual fee
| Rate | Category |
|---|---|
| 7X | Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. |
| 5X | Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. |
| 3X | Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. |
Earn 70,000 Bonus Points plus a Free Night Reward
$0
19.74%-28.74% Variable
Excellent to Good
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
Best for no annual fee
Earn 70,000 Bonus Points plus a Free Night Reward
$0
19.74%-28.74% Variable
Excellent to Good
The Hilton Honors Amex Card is a decent entry-level hotel card with no annual fee. It’s a card that is ideal for beginners and offers an array of perks for those loyal to the Hilton brand. Read our review of the Hilton Honors Amex Card.
Best for rotating bonus categories
| Rate | Category |
|---|---|
| 5% | 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! |
| 5% | 5% cash back on travel purchased through Chase Travel℠. |
| 3% | 3% cash back on dining and drugstores. |
| 1% | 1% cash back on all other purchases. |
$250 bonus
$0
18.49% - 27.99% Variable
670-850
Excellent, Good
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Travel℠. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex.
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Travel℠. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex.
Best for rotating bonus categories
$250 bonus
$0
18.49% - 27.99% Variable
670-850
Excellent, Good
The Chase Freedom Flex delivers a formidable 5% cash back on select bonus categories and travel purchased through Chase Travel℠. This card is an excellent addition to your wallet as it provides ongoing rewards, a welcoming sign-up bonus and no annual fee to worry about. Read our full review of the Chase Freedom Flex.
What’s your favorite grocery credit card — and why?
Blue Cash Preferred® Card from American Express“The Blue Cash Preferred is my go-to card when making grocery purchases — and one that I often recommend to friends and family. I love to cook and test new recipes, and when my grocery bill gets pricey, the generous cash back in this category comes in clutch.”
American Express® Gold Card“I love Amex Membership Rewards, so it’s amazing to earn 4 points per dollar spent at U.S. supermarkets on up to $25k in spending per year. I never come close to that cap, but my earnings go a long way toward funding my family’s travels around the globe.”
Blue Cash Everyday® Card from American Express“I recommended my parents get this card since they don’t like paying credit card annual fees and weren’t earning bonus rewards on their purchases at U.S. supermarkets (including their local Publix) and U.S. gas stations.”
Best for earning rewards on dining, groceries and everyday essentials
The Bilt Obsidian Card is built for members who want to earn more from everyday spending categories like dining or groceries while still earning rewards on rent or mortgage payments. It offers elevated category earnings and added travel perks within the Bilt ecosystem.
Best for earning rewards on dining, groceries and everyday essentials
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
| big U.S. supermarket spenders | As High As 100,000 points. Find Out Your Offer. | 1 - 5X points | $325 | Apply now at American Express's secure siteSee rates & fees | |
Limited-Time Offer | |||||
Limited-Time Offer | |||||
Limited-Time Offer |
| Rate | Category |
|---|---|
| 1.25X | Earn up to 1.25X points on rent and mortgage payments with no transaction fee |
| 1X | Earn 1X points on everyday purchases |
| 2X | Earn 2X points on travel |
| 3X | Earn 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year. |
$200 of Bilt Cash
$95
26.74 - 34.74% variable
Good Credit, Excellent Credit
The Bilt Obsidian Card is built for members who want to earn more from everyday spending categories like dining or groceries while still earning rewards on rent or mortgage payments. It offers elevated category earnings and added travel perks within the Bilt ecosystem.
$200 of Bilt Cash
$95
26.74 - 34.74% variable
Good Credit, Excellent Credit
The Bilt Obsidian Card is built for members who want to earn more from everyday spending categories like dining or groceries while still earning rewards on rent or mortgage payments. It offers elevated category earnings and added travel perks within the Bilt ecosystem.
| cash back |
| As High As $300 Cash Back. Find Out Your Offer. |
| 1 - 6% cash-back |
| $0 intro annual fee for the first year, then $95. |
| at American Express's secure siteSee rates & fees |
| Citi ThankYou points enthusiasts who want flexibility and a no-annual-fee card |
| Earn 20,000 bonus Points |
| 1 - 5X points |
| $0 |
| at Citi's secure siteSee rates & fees |
| earning Chase points |
| 75,000 bonus points. |
| 1 - 5X points |
| $95 |
| at Chase's secure siteSee rates & fees |
| low annual fee |
| Earn 130,000 Hilton Honors Points + a Free Night Reward |
| 3 - 12X points |
| $150 |
| at American Express's secure siteSee rates & fees |
| simple cash back |
| As High As $200 Cash Back. Find Out Your Offer. |
| 1 - 3% cash-back |
| $0 |
| at American Express's secure siteSee rates & fees |
| starter travel |
| Earn 60,000 bonus ThankYou® Points |
| 1 - 10X points |
| $95 |
| at Citi's secure siteSee rates & fees |
| earning rewards on dining, groceries and everyday essentials |
| $200 of Bilt Cash |
| 1 - 3X points |
| $95 |
| at Bilt's secure siteSee rates & fees |
| a no-annual-fee grocery card |
| Earn $200 Cash Back |
| 1 - 8% cash-back |
| $0 |
| at Capital One's secure siteSee rates & fees |
| no annual fee |
| Earn 70,000 Bonus Points plus a Free Night Reward |
| 3 - 7X points |
| $0 |
| at American Express's secure siteSee rates & fees |
| rotating bonus categories |
| $250 bonus |
| 1 - 5% cash-back |
| $0 |
| at Chase's secure siteSee rates & fees |
