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Money Crashers

Money Crashers






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Money Crashers
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<title>Money Crashers</title>
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<description>Personal Finance Guide to Turn the Tables on Money</description>
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<title>10 Best 0% APR No-Interest Credit Cards – Reviews &amp; Comparison</title>
<link>https://www.moneycrashers.com/best-0-apr-no-interest-credit-cards/
<guid ispermalink=”false”>https://www.moneycrashers.com/?p=150520</guid>
<description>&lt;p class=”mc-adv-disc-post-top”&gt;&lt;small&gt;Advertiser Disclosure: &lt;em&gt;This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.&lt;/em&gt;&lt;/small&gt;&lt;/p&gt;&lt;p&gt;Under ideal circumstances, the best way to avoid excessive&lt;a href=”https://www.moneycrashers.com/pay-off-credit-card-debt-fast-plan/”&gt; credit card debt&lt;/a&gt; is simply to avoid using credit cards to make purchases you can’t afford. But circumstances aren’t always ideal.&lt;/p&gt;
&lt;p&gt;Unforeseen emergencies such as car problems that require expensive repairs or medical treatments that demand high out-of-pocket payments can blindside even the most responsible consumers. If you can’t afford to pay for an urgent purchase or expense out of your own pocket, you may have no choice but to use a credit card.&lt;/p&gt;
&lt;p&gt;The good news is there’s no shortage of credit cards that make it easy to charge big-ticket purchases or expenses without accumulating interest from day one. Dozens of credit cards come with 0% introductory purchase APRs periods, many of which last 12 months or longer. Although every introductory APR period eventually comes to an end, the opportunity to get a head start on repaying purchases without worrying about ballooning interest is invaluable.&lt;/p&gt;
&lt;h2&gt;Best Credit Cards With 0% APR Interest on Purchases&lt;/h2&gt;
&lt;p&gt;These are the best credit cards with 0% purchase APR promotions on the market today.&lt;/p&gt;
&lt;p&gt;Although most charge no annual fee, some carry miscellaneous fees and charges that can raise the cost of card ownership prior to the end of the intro APR period and beyond.&lt;/p&gt;
&lt;p&gt;Pay attention to each card’s regular (post-promotion) purchase APR too. Some of these cards stake their reputations on low ongoing APRs, while others are less generous.&lt;/p&gt;
&lt;h3&gt;1. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/us-bank-platinum”&gt;U.S. Bank Visa® Platinum Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;b&gt;&lt;i&gt;0% Intro Purchase and Balance Transfer APR for 20 Months&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;It’s hard to get simpler than the &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/us-bank-platinum”&gt;&lt;b&gt;U.S. Bank Visa® Platinum Card&lt;/b&gt;&lt;/a&gt;. For a limited time, it comes with a 20-month 0% purchase and balance transfer APR, after which variable APR applies, depending on your creditworthiness and prevailing rates. Qualifying balance transfers must be made within 60 days of account opening to snag the intro APR.&lt;/p&gt;
&lt;p&gt;Additional perks include no annual fee, a free credit score accessible through your account dashboard, and a cell phone protection plan that provides up to $600 in coverage.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Introductory APR&lt;/b&gt;: There is a 0% intro APR on purchases and balance transfers for 20 months from account opening. After that, variable regular APR applies.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Key Fees&lt;/b&gt;: There is no annual fee. Foreign transaction fees range from 2% to 3%, depending on how the transaction is denominated.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Sign-Up Bonus&lt;/b&gt;: There’s presently no sign-up bonus.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Other Perks&lt;/b&gt;: The cell phone protection plan provides up to $600 in coverage per incident and $1,200 in coverage per year once the $25 deductible (per incident) has been met.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our&lt;a href=”https://www.moneycrashers.com/us-bank-platinum-card-review/”&gt; U.S. Bank Visa® Platinum Credit Card review&lt;/a&gt; for more information. &lt;b&gt;Learn more about this card and find out how you can apply &lt;/b&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/us-bank-platinum”&gt;&lt;b&gt;here&lt;/b&gt;&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/us-bank-platinum”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3&gt;2. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-simplicity”&gt;Citi Simplicity® Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;b&gt;&lt;i&gt;0% Intro Purchase and Balance Transfer APR for 18 Months&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-simplicity”&gt;&lt;b&gt;Citi Simplicity® Card&lt;/b&gt;&lt;/a&gt; has one of the best purchase APR promotions around: 0% APR for 18 months from account opening, after which variable APR applies, depending on prevailing rates and your creditworthiness. Citi Simplicity also comes with an 18-month 0% balance transfer APR for transfers made within four months of account opening, after which rates align with the regular purchase APR.&lt;/p&gt;
&lt;p&gt;Although this card is great for cardholders looking to avoid interest charges for as long as possible, it’s not ideal for folks who crave&lt;a href=”https://www.moneycrashers.com/best-cash-back-credit-cards/”&gt; cash back&lt;/a&gt;,&lt;a href=”https://www.moneycrashers.com/best-travel-rewards-credit-cards/”&gt; travel rewards&lt;/a&gt;, or&lt;a href=”https://www.moneycrashers.com/best-credit-card-bonus-offers-deals-promotions/”&gt; sign-up bonuses&lt;/a&gt;. What you see is what you get here.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Introductory APR&lt;/b&gt;: There is a 0% APR on purchases and balance transfers for 18 months. After that, variable regular APR applies.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Key Fees&lt;/b&gt;: There are no annual or late payment fees. Foreign transactions cost 3%.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Sign-Up Bonus&lt;/b&gt;: There’s presently no sign-up bonus.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Other Perks&lt;/b&gt;: This card comes with a nice lineup of standard Citi perks, including Apple Pay&lt;a href=”https://www.moneycrashers.com/mobile-contactless-cards-payment-technology/”&gt; mobile wallet&lt;/a&gt; integration, customizable account alerts,&lt;a href=”https://www.moneycrashers.com/emv-chip-credit-cards-technology-security/”&gt; EMV chip&lt;/a&gt; protection, and the ability to choose your payment due date.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our&lt;a href=”https://www.moneycrashers.com/citi-simplicity-card-review/”&gt; Citi Simplicity® Card review&lt;/a&gt; for more information. &lt;b&gt;Learn more about this card and find out how you can apply &lt;/b&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-simplicity”&gt;&lt;b&gt;here&lt;/b&gt;&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-simplicity”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3&gt;3. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;Citi® Double Cash Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;b&gt;&lt;i&gt;0% APR on Balance Transfers for 18 Months; 1% Cash Back When You Spend and 1% Cash Back When You Pay Your Balance&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;&lt;b&gt;Citi® Double Cash Card&lt;/b&gt;&lt;/a&gt;‘s 18-month 0% APR balance transfer promotion is among the best in the cash-back category. If you’re struggling with high-interest credit card debt and seek a payoff method that earns a nice return on spending in the bargain, Double Cash is a top contender.&lt;/p&gt;
&lt;p&gt;To be sure, Citi Double Cash’s two-tiered cash-back program is the main attraction for most new applicants. Cardholders earn 1% cash back on all eligible purchases when they make them, then another 1% cash back when they pay off those purchases. Pay your statement in full each month to effectively earn 2% cash back on virtually all card transactions, but be mindful that cash back expires after 12 months of account dormancy (meaning no purchases or redemptions).&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Introductory APR&lt;/b&gt;: Enjoy 0% APR on balance transfers for 18 months, then variable regular APR applies. Qualifying transfers must be made within four months of account opening.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Key Fees&lt;/b&gt;: There’s no annual fee. The foreign transaction fee is 3%.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Sign-Up Bonus&lt;/b&gt;: There’s presently no sign-up bonus on the Citi Double Cash Card.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Other Perks&lt;/b&gt;: This card comes with a standard package of Citi perks.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/citi-double-cash-card-review/”&gt;Citi Double Cash Card review&lt;/a&gt; for more information. &lt;b&gt;Learn more about this card and find out how to apply&lt;/b&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt; &lt;b&gt;here&lt;/b&gt;&lt;/a&gt;&lt;b&gt;.&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3&gt;4. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/wells-fargo-cash-wise”&gt;Wells Fargo Cash Wise Visa® Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;b&gt;&lt;i&gt;0% Intro Purchase and Balance Transfer APR for 15 Months; Unlimited 1.5% Cash Back on Purchases&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/wells-fargo-cash-wise”&gt;&lt;b&gt;Wells Fargo Cash Wise Visa® Card&lt;/b&gt;&lt;/a&gt; has a 15-month 0% APR introductory promotion on purchases and balance transfers. Following the end of the introductory period, variable APR applies, depending on prevailing rates and your personal creditworthiness.&lt;/p&gt;
&lt;p&gt;If a year of 0% APR interest doesn’t do it for you, perhaps the prospect of a $150 cash bonus with $500 in eligible purchase spending within three months of account opening and unlimited 1.5% cash back in perpetuity will.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Introductory APR&lt;/b&gt;: There is a 0% APR on purchases and balance transfers for 15 months.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Key Fees&lt;/b&gt;: There is no annual fee. The foreign transaction fee is 3%.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Sign-up Bonus&lt;/b&gt;: When you make at least $500 in qualifying purchases within three months of account opening, you get a $150 cash bonus.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Other Perks&lt;/b&gt;: Enjoy complimentary cell phone protection, up to $600 per incident and $1,200 per year after the $25 deductible. You’re also entitled to complimentary rental car insurance when you pay for the rental in full with your card.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/wells-fargo-cash-wise-card-review/”&gt;Wells Fargo Cash Wise Visa® Credit Card review&lt;/a&gt; for more information. &lt;b&gt;Find out how you can apply for this card &lt;/b&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/wells-fargo-cash-wise”&gt;&lt;b&gt;here&lt;/b&gt;&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/wells-fargo-cash-wise”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3&gt;5. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom-unlimited”&gt;Chase Freedom Unlimited® Credit Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;b&gt;&lt;i&gt;0% Intro Purchase APR for 15 Months; Unlimited 1.5% Cash Back on Purchases&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;&lt;i&gt;The information related to the Chase Freedom Unlimited credit card has been collected by Money Crashers and has not been reviewed or provided by the issuer of this card.&lt;/i&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom-unlimited”&gt;&lt;b&gt;Chase Freedom Unlimited® Credit Card&lt;/b&gt;&lt;/a&gt; is first and foremost a cash-back credit card. With no annual fee and a flat return of unlimited 1.5% cash back on all eligible purchase spending, it’s among an elite cadre of premium cash-back products for everyday spending.&lt;/p&gt;
&lt;p&gt;But Freedom Unlimited also has a strong 0% APR introductory offer: 15 months at 0% APR on purchases. If you’re planning to finance a major purchase in the near future, why not opt for a 0% APR offer that earns cash back too?&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Introductory APR&lt;/b&gt;: There is a 0% APR on purchases and balance transfers for 15 months. After that, variable regular APR applies.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Key Fees&lt;/b&gt;: There is no annual fee, but foreign transactions cost 3%. Balance transfers cost the greater of $5 or 5% of the transferred amount, while cash advances cost the greater of $10 or 5%. The late payment fee ranges from $15 to $37, depending on balance. The returned payment fee is always $37.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Sign-up Bonus&lt;/b&gt;: Earn $150 bonus cash (15,000 bonus Ultimate Rewards points) when you spend $500 on qualifying purchases within three months of account opening.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Other Perks&lt;/b&gt;: For up to 120 days after you purchase an item with your Chase Freedom card, Chase’s Purchase Protection covers it against theft, damage, and loss up to $500 per claim and $50,000 per account. Other perks include extended warranty coverage and complimentary coverage on car rentals purchased in full with your card.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/chase-freedom-unlimited-review/”&gt;Chase Freedom Unlimited® Credit Card review&lt;/a&gt; for more information. &lt;b&gt;Find out how you can apply for this card &lt;/b&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom-unlimited”&gt;&lt;b&gt;here&lt;/b&gt;&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom-unlimited”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3&gt;6. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom”&gt;Chase Freedom® Credit Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;b&gt;&lt;i&gt;0% Intro Purchase APR for 15 Months; Up to 5% Cash Back on Purchases&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;&lt;i&gt;The information related to the Chase Freedom Unlimited credit card has been collected by Money Crashers and has not been reviewed or provided by the issuer of this card.&lt;/i&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom”&gt;&lt;b&gt;Chase Freedom® Credit Card&lt;/b&gt;&lt;/a&gt;‘s introductory APR promotion mirrors that of the Freedom Unlimited card: 0% APR interest on all purchases and balance transfers for 15 months from account opening. Qualifying balance transfers can be made at any time during the 15-month window. Once the promotional period ends, variable regular APR applies, depending on your creditworthiness and prevailing interest rates.&lt;/p&gt;
&lt;p&gt;Chase Freedom’s cash-back rewards program is worth highlighting. Purchases in select quarterly rotating categories, such as&lt;a href=”https://www.moneycrashers.com/best-gas-credit-cards/”&gt; gas&lt;/a&gt; and restaurant meals, earn 5% cash back, up to $1,500 total per quarter. All other purchases, including 5% category purchases above the $1,500 quarterly cap, earn an unlimited 1% cash back.&lt;/p&gt;
&lt;p&gt;A word of warning: to earn at the 5% rate, you need to manually activate your bonus cash back each quarter.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Introductory APR&lt;/b&gt;: There is a 0% APR on purchases and balance transfers for 15 months. After that, variable regular APR applies.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Key Fees&lt;/b&gt;: There is no annual fee, but foreign transactions cost 3%.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Sign-up Bonus&lt;/b&gt;: Earn $150 bonus cash (15,000 bonus Ultimate Rewards points) when you spend $500 on qualifying purchases within three months of account opening.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Other Perks&lt;/b&gt;: For up to 120 days after you purchase an item with your Chase Freedom card, Chase’s Purchase Protection covers it against theft, damage, and loss up to $500 per claim and $50,000 per account. You’ll also enjoy complimentary extended warranty coverage, coverage on car rentals purchased in full with the card, and other Visa-backed benefits.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/chase-freedom-credit-card-review/”&gt;Chase Freedom® Credit Card review&lt;/a&gt; for more information. &lt;b&gt;Find out how you can apply for this card &lt;/b&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom”&gt;&lt;b&gt;here&lt;/b&gt;&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3&gt;7. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-everyday”&gt;Blue Cash Everyday® Card from American Express&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;b&gt;&lt;i&gt;0% Intro Purchase APR for 15 Months; Up to 3% Cash Back on Purchases&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-everyday”&gt;&lt;b&gt;Blue Cash Everyday® Card from American Express&lt;/b&gt;&lt;/a&gt; is a no-annual-fee cash rewards credit card that boasts a 15-month 0% introductory APR on purchases. To qualify, balance transfers must be made within 60 days of account opening. After the intro period ends, variable regular APR applies, depending on creditworthiness and prevailing rates.&lt;/p&gt;
&lt;p&gt;Blue Cash Everyday has more to offer than a generous introductory APR promotion. Its three-tiered cash back program rewards users as follows:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Supermarket purchases earn 3% cash back up to a $6,000 annual limit, and an unlimited 1% cash back after that&lt;/li&gt;
&lt;li&gt;Gas station and department store purchases earn unlimited 2% cash back&lt;/li&gt;
&lt;li&gt;All other eligible purchases earn unlimited 1% cash back.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Plus, there’s a nice welcome offer: a $150 statement credit for spending at least $1,000 within three months of opening your account.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Introductory APR&lt;/b&gt;: The purchase APR is 0% for the first 15 months your account is open. After that, variable regular APR applies.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Key Fees&lt;/b&gt;: There is no annual fee. The foreign transaction fee is 2.7%.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Welcome Offer&lt;/b&gt;: Get a $150 statement credit when you spend at least $1,000 within three months of opening your account.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Other Perks&lt;/b&gt;: American Express’s generous Return Protection policy refunds an item’s entire purchase price, up to $300 per item and $1,000 per calendar year, when you attempt to return it within 90 days of purchase and the merchant rejects it for any reason. Other benefits include complimentary rental car insurance when you charge the full cost of the rental to your card, and complimentary travel accident insurance — a bare-bones form of&lt;a href=”https://www.moneycrashers.com/what-is-travel-insurance-need-to-buy/”&gt; travel insurance&lt;/a&gt;.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/american-express-blue-cash-everyday-review/”&gt;Blue Cash Everyday® Card from American Express review&lt;/a&gt; for more information. &lt;b&gt;Find out how you can apply for this card &lt;/b&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-everyday”&gt;&lt;b&gt;here&lt;/b&gt;&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-everyday”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3&gt;8. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-business-plus”&gt;The Blue Business Plus® Credit Card from American Express&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;b&gt;&lt;i&gt;0% Intro Purchase APR for 12 Months; 2x Membership Rewards Points on the First $50,000 in Annual Purchases&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-business-plus”&gt;&lt;b&gt;The Blue Business Plus® Credit Card from American Express &lt;/b&gt;&lt;/a&gt;is one of the only&lt;a href=”https://www.moneycrashers.com/best-small-business-credit-cards/”&gt; small-business credit cards&lt;/a&gt; to make this list. With a 12-month 0% APR purchase promotion, it’s easy to see why. Following the promotional period’s end, variable regular APR applies.&lt;/p&gt;
&lt;p&gt;Blue Business Plus has a nice rewards program too: 2x Membership Rewards points on the first $50,000 in eligible business purchases each year, then unlimited 1x Membership Rewards points on all subsequent purchases. Depending on your redemption method, your return on spending for 2x purchases will be close to 2%.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Introductory APR&lt;/b&gt;: There is a 0% introductory purchase APR for the first 12 months.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Key Fees&lt;/b&gt;: There is no annual fee. Foreign transactions cost 2.7%.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Sign-Up Bonus&lt;/b&gt;: There’s presently no sign-up bonus.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Other Perks&lt;/b&gt;: This card comes with a slew of exclusive benefits for business cardholders, including customizable account alerts, year-end spending reports, employee card controls, and complimentary employee cards.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our&lt;a href=”https://www.moneycrashers.com/american-express-blue-business-card-review/”&gt; The Blue Business Plus® Credit Card from American Express review&lt;/a&gt; for more information. &lt;b&gt;Learn more about this card and find out how to apply&lt;/b&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-business-plus”&gt; &lt;b&gt;here&lt;/b&gt;&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-business-plus”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3&gt;9. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-rewards-plus”&gt;Citi Rewards+℠ Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;b&gt;&lt;i&gt;0% Intro Purchase and Balance Transfer APR for 15 Months; 2x Points on Supermarket &amp;amp; Gas Station Purchases&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-rewards-plus”&gt;&lt;b&gt;Citi Rewards+℠ Card&lt;/b&gt;&lt;/a&gt; has a generous introductory APR promotion for purchases and balance transfers: 15 months at 0% APR on both types of transactions, with the balance transfer APR kicking in only after the first transfer. Once the introductory period ends, variable regular APR applies, depending on your creditworthiness and prevailing interest rates.&lt;/p&gt;
&lt;p&gt;This card’s rewards program is worth calling out here. Eligible supermarket and gas station spending earns 2 points per $1 spent, up to $6,000 in combined category spending per year. All other eligible spending earns unlimited 1 point per $1 spent.&lt;/p&gt;
&lt;p&gt;Plus, Citi rounds up rewards earned on every purchase to the nearest 10 points — turning (for example) a 5-point purchase into a 10-point purchase — and kicks back 10% of redeemed points up to the first 100,000 points redeemed each year. Depending on how you spend and redeem, your rate of return on spending can exceed 2% on supermarket and gas station purchases and top 1% on all other purchases.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Introductory APR&lt;/b&gt;: There is a 0% introductory purchase and balance transfer APR for the first 15 months. After that, variable regular APR applies.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Key Fees&lt;/b&gt;: There is no annual fee. Foreign transactions cost 3%.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Sign-up Bonus&lt;/b&gt;: Earn 15,000 bonus points after spending $1,000 on purchases within three months of account opening (worth up to $150 at redemption).&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Other Perks&lt;/b&gt;: Citi Entertainment entitles you to specially priced and/or exclusive tickets, reservations, and experiences. Fees and restrictions may apply.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our&lt;a href=”https://www.moneycrashers.com/citi-rewards-plus-credit-card-review/”&gt; Citi Rewards+℠ Card review&lt;/a&gt; for more information. &lt;b&gt;Find out how you can apply for this card &lt;/b&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-rewards-plus”&gt;&lt;b&gt;here&lt;/b&gt;&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-rewards-plus”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3&gt;10. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-preferred”&gt;Blue Cash Preferred® Card from American Express&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;b&gt;&lt;i&gt;0% Intro Purchase APR for 12 Months; Up to 6% Cash Back on Purchases&lt;/i&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-preferred”&gt;&lt;b&gt;Blue Cash Preferred® Card from American Express&lt;/b&gt;&lt;/a&gt; is one of the only cards on this list with an annual fee: $95. It makes up for this extra cost with an extremely generous cash-back rewards program.&lt;/p&gt;
&lt;p&gt;First things first: the introductory purchase APR is 0% for 12 months, after which variable regular APR applies, depending on prevailing rates and your creditworthiness.&lt;/p&gt;
&lt;p&gt;Now, for the goods: Blue Cash Preferred has the most generous cash-back program of any card on this list. Supermarket purchases earn 6% cash back up to an annual limit of $6,000, and an unlimited 1% cash back thereafter. Gas station and department store purchases earn an unlimited 3% cash back. All other purchases earn an unlimited 1% cash back.&lt;/p&gt;
&lt;p&gt;And don’t sleep on the welcome offer: when you spend at least $1,000 in eligible purchases within three months of account opening, you’ll earn a $300 bonus statement credit.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;b&gt;Introductory APR&lt;/b&gt;: There is a 0% APR on purchases for 12 months, after which variable regular APR applies.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Key Fees&lt;/b&gt;: The annual fee is $95, and the foreign transaction fee is 2.7%.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Welcome Offer&lt;/b&gt;: When you make at least $1,000 in qualifying purchases within three months of account opening, you get a $300 statement credit.&lt;/li&gt;
&lt;li&gt;&lt;b&gt;Other Perks&lt;/b&gt;: American Express’s Return Protection policy refunds up to $300 per item and $1,200 per calendar year for attempted returns rejected by merchants within 90 days of purchase.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/american-express-blue-cash-preferred-review/”&gt;Blue Cash Preferred® Card from American Express Review&lt;/a&gt; for more information. &lt;b&gt;Find out how you can apply for this card &lt;/b&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-preferred”&gt;&lt;b&gt;here&lt;/b&gt;&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-preferred”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h2&gt;Final Word&lt;/h2&gt;
&lt;p&gt;Credit cards with 0% intro purchase APR promotions are great for financing big-ticket purchases — such as supplies for&lt;a href=”https://www.moneycrashers.com/7-home-improvements-to-increase-its-value/”&gt; home improvement projects&lt;/a&gt; or&lt;a href=”https://www.moneycrashers.com/save-money-wedding/”&gt; wedding expenses&lt;/a&gt; — that you’d normally struggle to pay for out of pocket.&lt;/p&gt;
&lt;p&gt;However, it’s essential to pay off these big-ticket items before the promotional APR expires. If you don’t, you could find yourself struggling just to make the minimum payments on your card — and facing a pile of interest-accumulating credit card debt that could stay with you for years.&lt;/p&gt;
&lt;p&gt;Create a plan to pay off purchases made during your 0% APR period before the rate rises. And if you expect to make many large purchases over time — perhaps to finish off that home improvement project or turn your wedding dreams into reality — look into &lt;a href=”https://www.moneycrashers.com/low-apr-interest-credit-cards/”&gt;low-APR credit cards&lt;/a&gt; with affordable regular interest rates that reduce the cost of carrying a monthly balance.&lt;/p&gt;
&lt;p&gt;&lt;small&gt;Editorial Note: &lt;em&gt;The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.&lt;/em&gt;&lt;/small&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;a href=”https://blockads.fivefilters.org”&gt;&lt;/a&gt;&lt;/strong&gt; &lt;a href=”https://blockads.fivefilters.org/acceptable.html”&gt;(Why?)&lt;/a&gt;&lt;/p&gt;</description>
<pubdate>Tue, 22 Dec 2020 22:46:02 +0000</pubdate>
<dc:creator>Brian Martucci</dc:creator>
<dc:language>en-US</dc:language>
<dc:format>text/html</dc:format>
<dc:identifier>https://www.moneycrashers.com/best-0-apr-no-interest-credit-cards/</dc:identifier>
<category>Credit and Debt</category>
<category>Credit Cards</category>
<media:content url=”https://www.moneycrashers.com/wp-content/uploads/2018/05/using-credit-card-phone.jpg” expression=”full”></media:content>
</item>
<item>
<title>8 Best Credit Cards to Use for Everyday Spending</title>
<link>https://www.moneycrashers.com/best-credit-cards-use-everyday-spending/
<guid ispermalink=”false”>https://www.moneycrashers.com/?p=248445</guid>
<description>&lt;p class=”mc-adv-disc-post-top”&gt;&lt;small&gt;Advertiser Disclosure: &lt;em&gt;This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.&lt;/em&gt;&lt;/small&gt;&lt;/p&gt;&lt;p&gt;Most of your daily purchases qualify as &lt;a href=”https://www.moneycrashers.com/stop-wasting-money-save-common-everyday-expenses/”&gt;everyday expenses&lt;/a&gt;. They’re unremarkable and non-impulsive, and you make them without a second thought. They happen at places like the supermarket, gas station, drugstore, quick-service restaurant, and parking meter.&lt;/p&gt;
&lt;p&gt;You also make larger purchases that require more planning and forethought, such as travel reservations, date nights, or supplies for various home improvement projects. But a random purchase picked from your credit card statement at random is likelier than not to meet the definition of “everyday.”&lt;/p&gt;
&lt;p&gt;For these everyday purchases, you can be rewarded for your spending by using the right &lt;a href=”https://www.moneycrashers.com/best-cash-back-credit-cards/”&gt;cash back credit cards&lt;/a&gt;&amp;nbsp;or &lt;a href=”https://www.moneycrashers.com/best-travel-rewards-credit-cards/”&gt;travel rewards credit cards&lt;/a&gt;. These cards earn cash back or travel rewards at flat, predictable rates, with no strings attached and no confusing categories or tiers to keep track of. As long as you &lt;a href=”https://www.moneycrashers.com/how-to-use-credit-card-wisely-rewards/”&gt;use these cards wisely&lt;/a&gt;, you can turn your commonplace purchases into extra cash, travel, or merchandise.&lt;/p&gt;
&lt;h2 id=”h.opxu4vpkcqzp”&gt;Best Credit Cards to Use for Everyday Spending&lt;/h2&gt;
&lt;p&gt;These are the best credit cards to use for everyday purchases – whatever “everyday” means to you.&lt;/p&gt;
&lt;h3 id=”h.r4duwn4pd2pk”&gt;1. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;Citi Double Cash Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;Up to 2% Cash Back on Purchases When You Pay Your Statement Balance in Full Each Month&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;For those who have no trouble paying their statement balances in full each month, the &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;&lt;strong&gt;Citi Double Cash Card&lt;/strong&gt;&lt;/a&gt;&amp;nbsp;is the best everyday spending credit card on this list. That’s due to an unusually generous rewards program that promises a 2% return on all card charges paid in full by the statement due date, and a redemption menu with few strings other than a $25 minimum redemption threshold. Enjoying 2% cash back on every purchase doesn’t get any easier.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Sign-Up Bonus&lt;/strong&gt;: There’s currently no sign-up bonus. Check this article regularly for the latest offers.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;: Earn 1% cash back at the time of purchase on all eligible purchases made with your card. Then, earn another 1% cash back on payments against your statement balance, provided you pay at least the required minimum payment each month. If you pay your balance in full each month, you’ll earn a 2% rate of return on spending.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;: You can redeem your accumulated cash back rewards beginning at the $25 minimum redemption threshold. Redemption options include gift cards, statement credits, bank deposits, and paper checks.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;: Pay no interest (0% APR) on balance transfers for 18 months from account opening. Variable regular APR applies after that.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;: There is no annual fee. Foreign-denominated transactions cost 3% of the transaction amount.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;: The complimentary Citi Entertainment feature promises preferred access to exclusive presales, tickets to sold-out shows, and VIP experiences at thousands of venues each year.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/citi-double-cash-card-review/”&gt;Citi Double Cash Card review&lt;/a&gt;&amp;nbsp;for more information. &lt;strong&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;Learn more about this card and find out how to apply here&lt;/a&gt;.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.mad69me4l8wn”&gt;2. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/capital-one-venture-rewards”&gt;Capital One Venture Rewards Credit Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;Unlimited 2x Miles on All Eligible Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/capital-one-venture-rewards”&gt;&lt;strong&gt;Capital One Venture Rewards Credit Card&lt;/strong&gt;&lt;/a&gt;&amp;nbsp;is one of the most popular travel credit cards on the market. With an early spend bonus worth up to $500 at redemption and unlimited 2 miles per $1 spent on all eligible purchases, it’s no wonder. Venture Rewards is the best everyday spending card for frequent travelers.&lt;/p&gt;
&lt;p&gt;And unlike most premium travel rewards credit cards, it earns an attractive rate of return on all spending – not just favored traveler-friendly categories like airfare and hotel purchases.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Early Spend Bonus&lt;/strong&gt;: When you spend at least $3,000 on eligible purchases within the first three months of opening your account, you’ll earn 50,000 bonus miles – worth $500 when redeemed for travel.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;: All eligible purchases earn unlimited 2 miles per $1 spent.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;: You can redeem for travel in two ways: statement credits against prior travel purchases or direct travel bookings made through Capital One’s online travel portal. Other redemption options include cash back and gift cards, but travel is the best value.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;: None.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;: The annual fee is $0 for the first year and $95 after that. There is no foreign transaction fee.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;: Get a statement credit up to $100 against the application fee for one of two travel preclearance memberships: &lt;a href=”https://www.moneycrashers.com/tsa-precheck-global-entry-compare/”&gt;Global Entry or TSA PreCheck&lt;/a&gt;.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/capital-one-venture-rewards-credit-card-review/”&gt;Capital One Venture Rewards Credit Card review&lt;/a&gt;&amp;nbsp;for more details. &lt;strong&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/capital-one-venture-rewards”&gt;Learn more about this card and find out how to apply here&lt;/a&gt;.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/capital-one-venture-rewards”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.bruq0947ficg”&gt;3. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom-unlimited”&gt;Chase Freedom Unlimited Credit Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;strong&gt;&lt;em&gt;Unlimited 1.5% Cash Back on Eligible Purchases; Transfer Points to Travel Partners With a Chase Travel Card&lt;/em&gt; &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom-unlimited”&gt;&lt;strong&gt;Chase Freedom Unlimited Credit Card&lt;/strong&gt;&lt;/a&gt;&amp;nbsp;earns unlimited 1.5% cash back on all eligible purchases, with no caps or restrictions on earning potential. A sign-up bonus worth $150 packs an additional punch for new cardholders, who also benefit from a 15-month 0% APR promotion on purchases.&lt;/p&gt;
&lt;p&gt;For cardholders with multiple Chase cards, a signature Freedom Unlimited perk is its point transfer program. If you have a premium Chase travel card (&lt;a href=”https://www.moneycrashers.com/chase-sapphire-reserve-card-review/”&gt;Chase Sapphire Reserve&lt;/a&gt;&amp;nbsp;or &lt;a href=”https://www.moneycrashers.com/chase-sapphire-preferred-credit-card-review/”&gt;Chase Sapphire Preferred&lt;/a&gt;) or a premium Chase business card (&lt;a href=”https://www.moneycrashers.com/chase-ink-cash-business-credit-card-review/”&gt;Chase Ink Business Cash&lt;/a&gt;&amp;nbsp;or &lt;a href=”https://www.moneycrashers.com/chase-ink-business-preferred-credit-card-review/”&gt;Chase Ink Business Preferred&lt;/a&gt;), you can transfer loyalty currency earned with your Freedom Unlimited card to any of about a dozen travel loyalty partners at a 1-to-1 ratio. That potentially boosts your points’ value by a factor of two or three, depending on the loyalty partner and eventual redemption method.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Sign-Up Bonus&lt;/strong&gt;: Earn $150 bonus cash when you spend at least $500 on eligible purchases within the first three months your account is open.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;: Earn unlimited 1.5% cash back on all eligible purchases.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;Redeem in any amount for statement credits, bank account deposits, mailed checks, credits against purchases with Amazon and other merchant partners, gift cards, travel, general merchandise, and more.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;Pay no interest (0% APR) on purchases and balance transfers for 15 months from your account opening date.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;:&amp;nbsp;There’s no annual fee. Foreign-denominated transactions cost 3% of the total transaction amount.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Enjoy credit-building tools and perks, including a free credit score each week, with Chase Credit Journey. Other benefits include purchase protection on select purchases and complimentary rental car coverage when you pay for the rental in full with your card.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/chase-freedom-unlimited-review/”&gt;Chase Freedom Unlimited Credit Card review&lt;/a&gt;&amp;nbsp;for more information. &lt;strong&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom-unlimited”&gt;Find out how to apply for this card here&lt;/a&gt;.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/chase-freedom-unlimited”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.wj2jh4r483ns”&gt;4. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/capital-one-quicksilver”&gt;Capital One Quicksilver Cash Rewards Credit Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;Unlimited 1.5% Cash Back on All Eligible Purchases; Great Shopping Benefits&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/capital-one-quicksilver”&gt;&lt;strong&gt;Capital One Quicksilver Cash Rewards Credit Card&lt;/strong&gt;&lt;/a&gt;&amp;nbsp;bears more than a passing resemblance to the Chase Freedom Unlimited Credit Card. Its $150 early spend bonus, unlimited 1.5% cash back rate, and 15-month 0% APR window on purchases and balance transfers all match Freedom Unlimited.&lt;/p&gt;
&lt;p&gt;Quicksilver has some unique shopping benefits too – notably, &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/capital-one-shopping”&gt;Capital One Shopping&lt;/a&gt;&amp;nbsp;(a multi-merchant price scanner in the palm of your hand) and &lt;a target=”_blank” href=”https://paribus.co/”&gt;Paribus&lt;/a&gt;&amp;nbsp;(which may uncover savings on purchases you’ve already made).&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Early Spend Bonus&lt;/strong&gt;:&amp;nbsp;Earn a $150 bonus when you spend at least $500 on eligible purchases within the first three months of opening your account.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn unlimited 1.5% cash back on all eligible purchases made with your card.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;You can redeem in any amount for statement credits, gift cards, or paper checks. You can also schedule automatic redemptions at the following thresholds: $25, $50, $100, or $200.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;Pay no interest (0% APR) on purchases and balance transfers for 15 months from account opening. You can make qualifying balance transfers at any time during the 15-month introductory window.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;: There is no annual fee or foreign transaction fee. The balance transfer fee is 3% during the 15-month introductory period and $0 after that.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;: Use Capital One Shopping to automatically scan hundreds of merchants’ inventories for the best possible pricing. Use Paribus to find opportunities to save on completed purchases. Other benefits include extended warranties on select purchases and complimentary rental car coverage when you pay in full with the card.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/capital-one-quicksilver-cash-rewards-card-review/”&gt;Capital One Quicksilver Cash Rewards Credit Card review&lt;/a&gt;&amp;nbsp;for more details. &lt;strong&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/capital-one-quicksilver”&gt;Find out how to apply for this card here&lt;/a&gt;.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/capital-one-quicksilver”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.znezanio34″&gt;5. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/wells-fargo-cash-wise”&gt;Wells Fargo Cash Wise Credit Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;Unlimited 1.5% Cash Back on All Eligible Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/wells-fargo-cash-wise”&gt;&lt;strong&gt;Wells Fargo Cash Wise Credit Card&lt;/strong&gt;&lt;/a&gt;&amp;nbsp;is yet another everyday spending card that offers:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;A sign-up bonus worth $150&lt;/li&gt;
&lt;li&gt;Unlimited 1.5% cash back on all eligible purchases&lt;/li&gt;
&lt;li&gt;0% APR financing on purchases and balance transfers for 15 months from account opening.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;If you have a bank account with Wells Fargo, consider opting your Cash Wise card into the bank’s low-cost overdraft protection program.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Sign-Up Bonus&lt;/strong&gt;:&amp;nbsp;Make $500 in eligible purchases within three months of opening your account to earn a $150 cash bonus.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn unlimited 1.5% cash back on all eligible purchases.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;Redeem for paper checks, statement credits, or deposits into your Wells Fargo bank account starting at $25. Redeem for ATM cash withdrawals starting at $20.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;Pay no interest (0% APR) on purchases and balance transfers for 15 months.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;:&amp;nbsp;There’s no annual fee. The foreign transaction fee is 3%.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Wells Fargo bank account holders enjoy low-cost overdraft protection using the Cash Wise card’s cash advance feature. Other benefits include a generous cell phone protection plan and basic travel protections.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/wells-fargo-cash-wise-card-review/”&gt;Wells Fargo Cash Wise Credit Card review&lt;/a&gt;&amp;nbsp;for more information. &lt;strong&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/wells-fargo-cash-wise”&gt;Find out how to apply for this card here&lt;/a&gt;.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/wells-fargo-cash-wise”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.puj56pttnbgo”&gt;6. Bank of America Travel Rewards Credit Card&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;Unlimited 1.5x Points on All Eligible Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The &lt;strong&gt;Bank of America Travel Rewards Credit Card&lt;/strong&gt;&amp;nbsp;earns 1.5 points per $1 spent on all eligible purchases, travel and otherwise. Like Capital One’s Venture Rewards card, it’s a great everyday spending card for travel enthusiasts. Unlike Venture, it lacks an annual fee. That’s an irresistible proposition for frugal travelers.&lt;/p&gt;
&lt;p&gt;There’s also a sign-up bonus worth $250 in the form of a statement credit against prior travel purchases – one of the best sign-up bonuses offered by any no-annual-fee credit card, period.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Sign-Up Bonus&lt;/strong&gt;:&amp;nbsp;Earn 25,000 online bonus points when you make at least $1,000 in eligible purchases during the first 90 days. That’s enough to redeem for a $250 statement credit against travel purchases.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn unlimited 1.5 points $1 spent on all eligible purchases.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;Redeem for statement credits against any eligible travel purchase, such as airfare, hotel stays, car rentals, vacation packages, cruises, and incidentals like baggage fees.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;See terms for the most recent rate and fee information.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;: There’s no annual fee and no international transaction fee.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Bank of America deposit account holders qualify for overdraft protection coverage through the card.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/bankamericard-travel-rewards-credit-card-review/”&gt;Bank of America Travel Rewards Credit Card review&lt;/a&gt;&amp;nbsp;for more information. &lt;strong&gt;Find out how to apply for this card here.&lt;/strong&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.siguu13qkt67″&gt;7. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-cash-magnet”&gt;American Express Cash Magnet Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;1.5% Cash Back on All Eligible Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-cash-magnet”&gt;&lt;strong&gt;American Express Cash Magnet Card&lt;/strong&gt;&lt;/a&gt;&amp;nbsp;earns 1.5% cash back on all eligible purchases. A welcome offer worth $150 bonus cash and a 15-month 0% APR promotion on purchases and balance transfers combine to make Cash Magnet a worthy competitor to Freedom Unlimited, Quicksilver, and Cash Wise.&lt;/p&gt;
&lt;p&gt;Whether you opt for Cash Magnet or stick to one of its competitors may depend on your issuer preference. If you live in an American Express household, the choice is clear.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Welcome Offer&lt;/strong&gt;:&amp;nbsp;For a limited time, earn $150 bonus cash back when you make at least $1,000 in eligible purchases within the first three months of card membership.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn 1.5% cash back on all eligible purchases.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;You can redeem for statement credits in any amount over $25.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;Pay no interest (0% APR) on purchases and balance transfers for 15 months. Qualifying balance transfers must be made within 60 days of account opening.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;: There’s no annual fee. The foreign transaction fee is 2.7%.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Enjoy exclusive discounts with popular merchants through Amex Offers. Other cardholder benefits include complimentary rental car coverage for loss and damage when you pay for a rental in full with your card, travel accident insurance (subject to limitations and exclusions), extended warranties on certain covered items, and a cell phone protection plan.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/american-express-cash-magnet-card-review/”&gt;American Express Cash Magnet Card review&lt;/a&gt;&amp;nbsp;for more information. &lt;strong&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-cash-magnet”&gt;Find out how to apply for this card here&lt;/a&gt;.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-cash-magnet”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.s7wuqsfngnww”&gt;8. PayPal Cashback Mastercard&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;2% Cash Back on All Eligible Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;Like the Citi Double Cash Card, the &lt;strong&gt;PayPal Cashback Mastercard&lt;/strong&gt;&amp;nbsp;earns 2% cash back on all eligible purchases. Unlike the Citi Double Cash Card, it comes with a catch: a PayPal account is required to apply.&lt;/p&gt;
&lt;p&gt;That’s not the end of the world, but if you don’t want to take the extra step of opening a PayPal account, or if you’d prefer other ways to redeem your rewards, this isn’t your ideal everyday spending card.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Sign-Up Bonus&lt;/strong&gt;:&amp;nbsp;There’s currently no sign-up bonus. Check this article regularly for the latest offers.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn 2% cash back on all eligible purchases with your card.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;You can redeem in any amount for deposits into your PayPal account.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;See terms for the latest rate and fee information.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;. There is no annual fee.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Through Mastercard Global Service, you’ll enjoy emergency card replacement and cash advances, among other vital travel benefits.&lt;/li&gt;
&lt;/ul&gt;
&lt;hr&gt;
&lt;h2 id=”h.xbrcaiu08wce”&gt;Final Word&lt;/h2&gt;
&lt;p&gt;These everyday spending credit cards are equal opportunity. Their rewards programs don’t discriminate by spending category or transaction type. To them, every dollar has equal value. And that makes them ideal for generalized, everyday spending.&lt;/p&gt;
&lt;p&gt;That’s not to say credit cards with more complex rewards programs aren’t useful for everyday spending. If your “everyday” expenses are likely to involve a trip to the supermarket, gas pump, or drugstore, you’d be well-served by a credit card that favors those sorts of purchases.&lt;/p&gt;
&lt;p&gt;For all other purchases, you can always turn to a flat-rate credit card like Chase Freedom Unlimited, Capital One Quicksilver, or American Express Cash Magnet.&lt;/p&gt;
&lt;p&gt;&lt;small&gt;Editorial Note: &lt;em&gt;The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.&lt;/em&gt;&lt;/small&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;a href=”https://blockads.fivefilters.org”&gt;&lt;/a&gt;&lt;/strong&gt; &lt;a href=”https://blockads.fivefilters.org/acceptable.html”&gt;(Why?)&lt;/a&gt;&lt;/p&gt;</description>
<pubdate>Tue, 22 Dec 2020 22:36:50 +0000</pubdate>
<dc:creator>Brian Martucci</dc:creator>
<dc:language>en-US</dc:language>
<dc:format>text/html</dc:format>
<dc:identifier>https://www.moneycrashers.com/best-credit-cards-use-everyday-spending/</dc:identifier>
<category>Credit and Debt</category>
<category>Credit Cards</category>
<category>Lifestyle</category>
<category>Shopping</category>
<media:content url=”https://www.moneycrashers.com/wp-content/uploads/2020/12/asian-woman-using-credit-card-coffee-shop.jpg” expression=”full”></media:content>
</item>
<item>
<title>9 Best Credit Cards for Groceries – Rewards &amp; Offers</title>
<link>https://www.moneycrashers.com/best-credit-cards-groceries/
<guid ispermalink=”false”>https://www.moneycrashers.com/?p=253866</guid>
<description>&lt;p class=”mc-adv-disc-post-top”&gt;&lt;small&gt;Advertiser Disclosure: &lt;em&gt;This post includes references to offers from our partners. We receive compensation when you click on links to those products. However, the opinions expressed here are ours alone and at no time has the editorial content been provided, reviewed, or approved by any issuer.&lt;/em&gt;&lt;/small&gt;&lt;/p&gt;&lt;p&gt;Grocery shopping is a great equalizer. Rich and poor, adventurous cooks and microwave-only eaters — pretty much everyone knows what it’s like to browse supermarket shelves. By now, most know how to play the &lt;a href=”https://www.moneycrashers.com/grocery-delivery-services-cost-benefits/”&gt;grocery delivery&lt;/a&gt;&amp;nbsp;game too.&lt;/p&gt;
&lt;p&gt;It’s no surprise, then, that supermarket credit cards are so popular up and down the income scale. From entry-level spending aids like the &lt;a href=”https://www.moneycrashers.com/american-express-blue-cash-everyday-review/”&gt;Blue Cash Everyday card from American Express&lt;/a&gt;&amp;nbsp;to prime products like the &lt;a href=”https://www.moneycrashers.com/amazon-prime-rewards-card-review/”&gt;Amazon Prime Rewards Visa Signature card&lt;/a&gt;, there’s almost certainly a rewards-bearing card tailored to your grocery shopping habits.&lt;/p&gt;
&lt;p&gt;These are among the best credit cards to use for grocery store and supermarket purchases. Unless otherwise noted, grocery purchases made at superstores like Walmart, Target, and Meijer and &lt;a href=”https://www.moneycrashers.com/warehouse-store-costco-samsclub-bjs-membership-worth-it/”&gt;warehouse clubs&lt;/a&gt;&amp;nbsp;like Sam’s Club and Costco don’t qualify as supermarket purchases.&lt;/p&gt;
&lt;h2&gt;Best Credit Cards for Groceries&lt;/h2&gt;
&lt;h3 id=”h.aldnsmmbznev”&gt;1. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-preferred”&gt;Blue Cash Preferred® Card From American Express&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;6% Cash Back at U.S. Supermarkets; Up to $6,000 in Annual Category Spending&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-preferred”&gt;&lt;strong&gt;Blue Cash Preferred® card from American Express&lt;/strong&gt;&lt;/a&gt; rewards grocery store purchases better than any major credit card on the market: 6% cash back on the first $6,000 in annual purchases at U.S. supermarkets. That’s $360 in grocery store cash back, or $265 after accounting for the $95 annual fee. It’s a solid haul by any stretch — one most multiperson households can easily achieve.&lt;/p&gt;
&lt;p&gt;Key features of the card include:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Welcome Offer&lt;/strong&gt;: When you spend at least $1,000 in eligible purchases within three months of opening your account, you receive a $250 statement credit.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;: Earn 6% cash back on purchases at U.S. supermarkets, up to the first $6,000 in eligible purchases per calendar year. Earn 6% cash back on digital media and streaming services, including Amazon Prime, Netflix, HBO, Audible, and Apple Music. Earn 3% cash back on U.S. gas station and local transportation and transit purchases, including parking, tolls, and ridesharing fares. Earn 1% cash back on all other eligible purchases, including grocery store purchases above the annual spending cap.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;: Redeem for statement credits starting at $25 in reward dollars. Alternatively, redeem for alternate rewards, such as gift cards and merchandise, through Amex’s rewards portal.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;: Enjoy 0% APR on purchases for the first 12 months. After that, regular variable APR applies (currently 14.74% to 25.74% variable APR).&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;: The annual fee is $95. The foreign transaction fee is 2.7%.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;: Enjoy complimentary rental car insurance when you pay for the rental in full with your card, extended warranties on select covered items, and reimbursement for stolen or damaged items within a post-purchase eligibility window.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/american-express-blue-cash-preferred-review/”&gt;Blue Cash Preferred® card from American Express review&lt;/a&gt;&amp;nbsp;for more information. &lt;strong&gt;Learn more and find out how to apply for this card &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-preferred”&gt;here&lt;/a&gt;. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-preferred”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3&gt;2. &lt;a target=”_blank” href=”https://amzn.to/2wL2QUb”&gt;Amazon Prime Rewards Visa Signature Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;5% Cash Back on Grocery Purchases at Whole Foods and Amazon’s Website&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” href=”https://amzn.to/2wL2QUb”&gt;&lt;strong&gt;Amazon Prime Rewards Visa Signature Card&lt;/strong&gt;&lt;/a&gt; is the obvious choice for Amazon Prime members who do most or all their grocery shopping through Amazon Fresh, &lt;a href=”https://www.moneycrashers.com/amazon-prime-pantry-review/”&gt;Amazon Prime Pantry&lt;/a&gt;, or Whole Foods Market. All Amazon-ecosystem purchases, including both perishable and nonperishable groceries, earn 5% cash back.&lt;/p&gt;
&lt;p&gt;It’s easy to redeem cash back in any amount for purchase credits at checkout, making this a truly seamless rewards credit card for Amazon fans.&lt;/p&gt;
&lt;p&gt;Key features of the card include:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Sign-Up Bonus&lt;/strong&gt;: This card’s sign-up bonus offers are subject to change and may vary by prospective cardholder. Check offer details before you apply.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;: Earn unlimited 5% cash back on eligible purchases at Whole Foods Market locations and amazon.com, including Amazon Fresh and Amazon Prime Pantry. Earn unlimited 2% cash back on purchases made at restaurants, gas stations, and drugstores. Earn unlimited 1% cash back on all other eligible purchases.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;: Redeem accumulated cash back in any amount for statement credits, deposits to linked bank accounts, or credits against Amazon purchases at checkout.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;: None.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;: There is no annual fee for the card itself, but cardholders must be Amazon Prime members in good standing to earn 5% cash back on amazon.com and Whole Foods purchases. Prime membership costs $119 per year, subject to change. There is no foreign transaction fee.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Enjoy a host of &lt;a href=”https://www.moneycrashers.com/what-is-travel-insurance-need-to-buy/”&gt;travel insurance&lt;/a&gt;&amp;nbsp;perks, including lost luggage reimbursement, baggage delay insurance, and travel accident insurance. Other perks include extended warranties on select items with existing manufacturers’ warranties and complimentary car rental insurance when you pay for the rental in full with your card.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/amazon-prime-rewards-card-review/”&gt;Amazon Prime Rewards Visa Signature card&lt;/a&gt;&amp;nbsp;review for more information. &lt;strong&gt;Learn more and find out how to apply for this card &lt;a target=”_blank” href=”https://amzn.to/2wL2QUb”&gt;here&lt;/a&gt;. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” href=”https://amzn.to/2wL2QUb”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.ibgqg1nlg0s6″&gt;3. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/target-redcard”&gt;Target RedCard™ Credit Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;5% Discount on Target Purchases, Including Groceries&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;Store credit cards generally get a bad rap, but the &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/target-redcard”&gt;&lt;strong&gt;Target RedCard&lt;/strong&gt;&lt;/a&gt; is a notable exception. Delivering automatic, instantaneous 5% cash back on in-store and online Target purchases, it’s a fantastic spending aid for Target loyalists. Since most Target locations have well-stocked grocery sections, it’s also a realistic primary grocery store credit card for shoppers who buy most of their food staples at Target.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Sign-Up Bonus&lt;/strong&gt;:&amp;nbsp;There’s currently no welcome offer. Check with Target for the latest information.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Automatically earn 5% off all eligible Target purchases online and in-store, applied at checkout. Eligible Target purchases include full-price, on sale, and clearance grocery products.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;Your rewards are redeemed automatically.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;None.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;:&amp;nbsp;There is no annual fee.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Enjoy RedCard cardholder exclusives, like 10% off on your anniversary when you sign up for Target marketing emails and 10% off eligible Hotels.com purchases.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/target-redcard-credit-card-review/”&gt;Target RedCard™ review&lt;/a&gt;&amp;nbsp;for more information. &lt;strong&gt;Learn more and find out how to apply for this card &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/target-redcard”&gt;here&lt;/a&gt;. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/target-redcard”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.7qv2q8ec2sfa”&gt;4. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-gold”&gt;American Express® Gold Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;4x Points at U.S. Supermarkets; Up to $25,000 in Annual Category Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-gold”&gt;&lt;strong&gt;American Express® Gold card&lt;/strong&gt;&lt;/a&gt; earns 4 membership rewards points per $1 spent on the first $25,000 in U.S. supermarket purchases each year. That’s up to 100,000 bonus points, worth up to $0.01 per point at redemption — a 4% return on spending.&lt;/p&gt;
&lt;p&gt;Above the annual spending cap, you earn 1 point per $1 spent on U.S. supermarket purchases. Most frugal families don’t need to worry about running over.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Welcome Offer&lt;/strong&gt;:&amp;nbsp;Earn 35,000 membership rewards points after spending $2,000 in purchases on your card within the first three months of card membership.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn 4 membership rewards points per $1 spent on U.S. restaurant purchases and 4 points per $1 spent on U.S. supermarket purchases, up to $25,000 in annual supermarket spending. Earn 3 points per $1 spent on airfare purchased directly with the airline and at amextravel.com and 1 point per $1 spent on all other eligible purchases.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;There are multiple redemption options, including travel bookings, gift cards, Uber rides, general merchandise, and statement credits at the American Express membership rewards portal. Redemption minimums begin at 1,000 points. Most value points between $0.005 and $0.01 apiece.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;None. For specific rates and fees of the American Express® Gold card, see its &lt;a target=”_blank” href=”https://www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/gold-card/26129-10-0/?print#terms-details”&gt;terms and conditions&lt;/a&gt;.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;:&amp;nbsp;The annual fee is $250. There is no foreign transaction fee. Returned payments cost up to $39 each.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Enjoy a $100 annual airline fee credit with the airline of your choosing, good against incidental fees. Other perks include $10 in dining credits per month with select participating chains and apps, including Seamless.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/american-express-gold-card-review/”&gt;American Express® Gold card review&lt;/a&gt;&amp;nbsp;for more information. &lt;strong&gt;Learn more and find out how to apply for this card &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-gold”&gt;here&lt;/a&gt;. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-gold”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.svod6fqku53x”&gt;5. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-everyday”&gt;Blue Cash Everyday® Card from American Express&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;3% Cash Back on Supermarket Purchases; Up to $6,000 in Annual Category Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The no-annual-fee alternative to the &lt;strong&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-everyday”&gt;Blue Cash Everyday® card&lt;/a&gt;&lt;/strong&gt; is nearly as generous as its fee-bearing parent. Get 3% cash back on the first $6,000 in purchases made at U.S. supermarkets each year and 1% cash back on supermarket purchases thereafter. That’s $180 in bonus cash back in addition to baseline cash.&lt;/p&gt;
&lt;p&gt;Key features of this card include:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Welcome Offer&lt;/strong&gt;:&amp;nbsp;Earn $150 cash back as a statement credit when you spend at least $1,000 in eligible purchases during the first three months your account is open. Terms may change. Check with American Express for the latest information.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn 3% cash back on eligible U.S. supermarket purchases, up to $6,000 in total supermarket spending per year. Earn 2% cash back at U.S. gas stations and select U.S. department stores. Earn 1% cash back on all other eligible purchases, including supermarket purchases above the annual spending cap.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;Redeem accumulated cash back for statement credits on your Blue Cash Everyday account.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;Enjoy 0% intro APR on purchases and balance transfers for 15 months from your account opening date, then regular variable APR applies.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;:&amp;nbsp;There is no annual fee. Foreign transactions cost 2.7% of the transaction amount. Balance transfers cost $5 or 3% of the amount of each transfer, whichever is greater.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Enjoy multiple travel protections, including complimentary rental car coverage when you pay for the rental in full with your card and 24/7 roadside assistance (fees may apply).&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/american-express-blue-cash-everyday-review/”&gt;Blue Cash Everyday® card from American Express&lt;/a&gt;&amp;nbsp;review for more information. &lt;strong&gt;Learn more and find out how to apply for this card &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-everyday”&gt;here&lt;/a&gt;. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/american-express-blue-cash-everyday”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.5j5v7zd2sisy”&gt;6. Bank of America® Cash Rewards Credit Card&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;3% Cash Back on Online Purchases (Including Grocery Purchases) and 2% Cash Back on Supermarket Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The Bank of America Cash Rewards credit card earns 2% cash back on supermarket purchases. Designate “online shopping” as your permanent 3% cash back category, and you can earn even faster when you purchase groceries online.&lt;/p&gt;
&lt;p&gt;The creditor caps your 2% and 3% tier earnings at $2,500 in quarterly purchases, which is plenty for modest spenders. You can earn $75 per quarter when you max out the online shopping category with grocery spending or $50 per quarter when you spend $2,500 in brick-and-mortar supermarket purchases.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Sign-up Bonus&lt;/strong&gt;: Earn $200 cash back when you spend at least $1,000 in purchases during the first 90 days your account is open.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn 3% cash back in the category of your choice and 2% cash back on grocery store purchases on the first $2,500 in combined category spending per quarter. Earn 1% cash back on all other purchases, including grocery store and chosen category purchases above the spending cap.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;: There are multiple ways to redeem, including credit card statement credits, bank account deposits to qualifying Bank of America and Merrill Lynch accounts, deposits to qualifying tax-advantaged accounts, and paper checks (starting at $25).&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;: Enjoy 0% APR on purchases and balance transfers for 15 billing cycles from account opening.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;. There is no annual fee. Foreign transactions cost 3% of the transaction amount.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Enjoy complimentary trip cancellation and interruption insurance and extended warranties on select covered purchases with existing manufacturers’ warranties.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/bankamericard-cash-rewards-credit-card-review/”&gt;Bank of America® Cash Rewards credit card review&lt;/a&gt; for more information.&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.nptw8iwyuczr”&gt;7. Capital One® SavorOne® Cash Rewards Credit Card&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;2% Cash Back on Supermarket Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The Capital One SavorOne Cash Rewards credit card earns unlimited 2% cash back on supermarket purchases. It’s by no means the best value, but with no annual fee and a solid rate of return on dining and entertainment purchases, it’s a worthy contender for folks who like to eat — whether in the comfort of their own kitchens or out on the town.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Early Spend Bonus&lt;/strong&gt;:&amp;nbsp;Earn $150 bonus cash when you spend $500 on purchases within three months of your account opening date.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn unlimited 3% cash back on dining and entertainment purchases, unlimited 2% cash back on purchases at grocery stores, and unlimited 1% cash back on all other eligible purchases.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;Redeem for statement credits or bank account deposits in any amount.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;Enjoy 0% APR on purchases and balance transfers for the first 15 months from your account opening date.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;:&amp;nbsp;There is no annual fee or foreign transaction fee. Balance transfers cost 3% during the 15-month introductory period but otherwise carry no charge.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Other Perks&lt;/strong&gt;:&amp;nbsp;Enjoy money-saving perks such as 24/7 travel assistance services, potential savings on prior purchases through Capital One Shopping and Paribus, extended warranties on select purchased items. SavorOne comes in Visa and Mastercard varieties, and feature availability may vary by product.&lt;/li&gt;
&lt;/ul&gt;
&lt;hr&gt;
&lt;h3 id=”h.qz5oyno1rjwp”&gt;8. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/us-bank-cash-visa-signature”&gt;U.S. Bank Cash+ Visa® Signature Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;2% Cash Back on Purchases in the Category of Your Choice, Including Supermarket Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The U.S. Bank Cash+ Visa Signature card earns unlimited 2% cash back on supermarket purchases. That’s coupled with 5% cash back in two categories of your choosing on the first $2,000 in purchases per quarter. Together, they provide a solid rate of return for a no-annual-fee card.&lt;/p&gt;
&lt;p&gt;If you need more supermarket spending power, consider using Cash+ as a backup to a higher-earning grocery store credit card like Blue Cash Preferred or Blue Cash Everyday.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Sign-Up Bonus&lt;/strong&gt;:&amp;nbsp;Earn $150 bonus cash when you spend $500 in eligible net purchases during the first 90 days of account opening.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn 5% cash back on the first $2,000 in quarterly purchases in two categories of your choosing and unlimited 2% cash back on purchases in another category of your choice, including grocery stores. Earn 1% cash back on all other eligible purchases, including 5% category purchases above the quarterly spending cap.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;: You can redeem accrued cash back for credit card statement credits or deposits to eligible U.S. Bank accounts. Rewards expire 36 days after you earn them. There’s no minimum redemption requirement.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;Enjoy 0% APR on balance transfers for the first 12 billing cycles following account opening. There’s no corresponding purchase promotion.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;:&amp;nbsp;There is no annual fee. Foreign transactions cost 2% to 3% of the total transaction cost, depending on denomination.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/us-bank-cash-plus-card-review/”&gt;U.S. Bank Cash+ Visa® Signature Card review&lt;/a&gt;&amp;nbsp;for more information. &lt;strong&gt;Learn more and find out how to apply for this card &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/us-bank-cash-visa-signature”&gt;here&lt;/a&gt;. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/us-bank-cash-visa-signature”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h3 id=”h.sxwlf7fi36gf”&gt;9. &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;Citi Double Cash® Card&lt;/a&gt;&lt;/h3&gt;
&lt;p&gt;&lt;em&gt;&lt;strong&gt;2% Cash Back on All Eligible Purchases, Including Supermarket Purchases&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;The &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;&lt;strong&gt;Citi Double Cash® card&lt;/strong&gt;&lt;/a&gt; earns 2% cash back on all eligible purchases, including purchases at the supermarket. If you’re not interested in carrying a separate card solely for supermarket transactions, this is as good a choice as any.&lt;/p&gt;
&lt;p&gt;Just be sure to pay your entire balance in full each month, as you only earn the full 2% cash back allowance when you zero out your statement.&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;&lt;strong&gt;Sign-Up Bonus&lt;/strong&gt;:&amp;nbsp;There is currently no sign-up bonus. Check with Citi for the latest offer details.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Earning Rewards&lt;/strong&gt;:&amp;nbsp;Earn unlimited 1% cash back on all eligible purchases at the point of sale and another unlimited 1% cash back when you pay down your balances (provided you make the minimum payment). Eligible purchases include grocery store purchases.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Redeeming Rewards&lt;/strong&gt;:&amp;nbsp;Redeem for statement credits and other forms of cash back, subject to redemption minimums.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Introductory APR&lt;/strong&gt;:&amp;nbsp;Enjoy 0% APR on balance transfers for 18 months from your account opening date. After that, regular variable APR applies.&lt;/li&gt;
&lt;li&gt;&lt;strong&gt;Key Fees&lt;/strong&gt;:&amp;nbsp;There is no annual fee. The foreign transaction fee is 3%.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;See our &lt;a href=”https://www.moneycrashers.com/citi-double-cash-card-review/”&gt;Citi Double Cash® Card review&lt;/a&gt;&amp;nbsp;for more information. &lt;strong&gt;Learn more and find out how to apply for this card &lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;here&lt;/a&gt;. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a target=”_blank” rel=”nofollow” href=”https://www.moneycrashers.to/citi-double-cash”&gt;&lt;span class=”td_btn td_btn_md td_round_btn”&gt;Learn More&lt;/span&gt;&lt;/a&gt;&lt;/p&gt;
&lt;hr&gt;
&lt;h2 id=”h.phrzuth4gaxy”&gt;Final Word&lt;/h2&gt;
&lt;p&gt;Each of these supermarket credit cards rewards grocery store purchases consistently — month after month, quarter after quarter, year after year. And that consistency is vital to their value.&lt;/p&gt;
&lt;p&gt;It’s worth calling out the sometime-supermarket credit cards that didn’t make this list. It’s not that they’re never worth using at the grocery store. Rather, they only perform from time to time.&lt;/p&gt;
&lt;p&gt;Take the &lt;a href=”https://www.moneycrashers.com/chase-freedom-credit-card-review/”&gt;Chase Freedom Credit Card&lt;/a&gt;, for instance. Freedom reliably earns 5% cash back on grocery store purchases for one quarter per year, up to $1,500 in quarterly category spending. The catch: Grocery store earnings drop to just 1% the other nine months of the year, supplanted by another favored category.&lt;/p&gt;
&lt;p&gt;Cards like Chase Freedom are fine for cardholders who can adjust their spending as opportunity arises. Those who sideline their primary grocery card during Chase Freedom’s bonanza quarter can earn impressive average rates of return on grocery store spending throughout the year. But not everyone wants (or has the means) to juggle two supermarket credit cards.&lt;/p&gt;
&lt;p&gt;&lt;small&gt;Editorial Note: &lt;em&gt;The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.&lt;/em&gt;&lt;/small&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;a href=”https://blockads.fivefilters.org”&gt;&lt;/a&gt;&lt;/strong&gt; &lt;a href=”https://blockads.fivefilters.org/acceptable.html”&gt;(Why?)&lt;/a&gt;&lt;/p&gt;</description>
<pubdate>Tue, 22 Dec 2020 22:30:23 +0000</pubdate>
<dc:creator>Brian Martucci</dc:creator>
<dc:language>en-US</dc:language>
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<dc:identifier>https://www.moneycrashers.com/best-credit-cards-groceries/</dc:identifier>
<category>Credit Cards</category>
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</rss><body id=”readabilityBody”></body><p><strong><a href=”https://blockads.fivefilters.org”></a></strong> <a href=”https://blockads.fivefilters.org/acceptable.html”>(Why?)</a></p>

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