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The Top 5 No-Fee Credit Cards For Groceries

Credit Card Roundups /

Only a few credit cards are worth considering if you want maximum cash back on groceries without annual fees. A 2021 CNBC article said the average American household spends $5,174 per year on groceries. To optimize cash back rewards without annual fees, this page showcases the best options. Anything not on this page is likely worse.

As always, do your research to see which credit card is best for you. Everyone has different habits and lifestyles, so there isn’t a one-size-fits-all solution. If you do find something that should be on this list, feel free to contact us for updates.

Note: cash back for the “grocery” category typically excludes large wholesale clubs (Costco, Sam’s Club, Target, Wal-Mart). Some smaller shops also don’t count as grocery stores, although it’s pretty hit-or-miss.

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The Top 5 No-Fee Credit Cards For Gas

Credit Card Roundups /

Gas is a spending category which applies to most people. A 2021 CNBC article said the average American household spends $2,218 per year on gas. To maximize cash back rewards without annual fees, we’ll show you the best options here. Even cards with annual fees are rarely as good as these top credit cards.

If you happen to know about a credit card which should be here, feel free to let us know so we can update this list.

Note that gas-station-specific cards are rarely worthwhile, especially when gas prices are high. Sunoco for example gives a perpetual discount of $0.05 per gallon, but if gas is $3 per gallon, 5% cash back cards give triple the value (at $0.15 per gallon). Rewards programs (like through T-Mobile Tuesdays) may give additional discounts.

 

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The Top 10 No-Fee Credit Cards For Everyday Spending (2021-2022)

Credit Card Roundups /

For general spending, there are now many cards which offer unlimited 2+% cashback on everything (no category restrictions). Because of these options, any card promoting 2% back in a specific category is unnecessarily limiting. And for people seeking simplicity, they can ignore other cards entirely, and only look at the below cards.

Credit cards may have good earn rates in certain categories, but for spending which doesn’t fall into a specific category, you’ll need an “everyday” card to fill in the gaps.

These are the best 10 cards for non-category spending in 2021.

 

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Review: Costco Anywhere Visa by Citi

⭐⭐, Credit Card Reviews /

The Costco Anywhere Visa is a basic card with a restrictive rewards program. Although it technically doesn’t have an annual fee, the card is exclusively for Costco members. The credit card has reasonable earn rates for gas, dining, and travel. According to Business Insider, the Costco credit card is one of the most popular cards in terms of interest. Over 900,000 monthly searches are done for information on the card. Unfortunately, its value isn’t as straightforward as it first appears.

FEATURES AT A GLANCE

  • No annual fee (but requires a $60+ Costco membership)
  • No foreign transaction fees
  • 4% cash back on gas (up to $7,000 in annual spending)
  • 3% cash back on dining
  • 3% cash back on eligible travel
  • 2% cash back on Costco purchases
  • 1% cash back on everything else

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