money
Groceries
Amex Blue Cash Preferred
Reward6%
U.S. supermarkets, on up to $6,000 a year, then 1%. $0 the first year, then $95.
CARDS / USD
Rewards, not yield.
If you skip the annual fee and the category caps, Citi Double Cash and Wells Fargo Active Cash are the straightforward 2%.
Winners
Everything, no fee
Citi Double Cash and Wells Fargo Active Cash
Reward2%
Unlimited 2% and no annual fee. Citi pays 1% when you buy and 1% as you pay. Wells charges a 3% foreign transaction fee.
Dining and streaming
Capital One Savor
Reward3%
Unlimited 3% at grocery stores (not Walmart or Target), dining, entertainment, and popular streaming. No annual fee.
This quarter
Discover it Cash Back
Reward5%
Oct–Dec 2026: restaurants, entertainment, and utilities, on up to $1,500, and only if you activate it.
All cards
CARDWHAT TO KNOW
Citi Double Cash
$0 fee
Everyday2%
Best5%
Unlimited 2%: 1% when you buy and 1% as you pay. 5% is only hotels, cars, and attractions booked through Citi Travel.
Wells Fargo Active Cash
$0 fee
Everyday2%
Best2%
Unlimited 2% on net purchases. 3% foreign transaction fee.
Fidelity Rewards Visa
$0 fee
Everyday2%
Best2%
2% only if you deposit the points into an eligible Fidelity account. Other redemptions pay a different, unpublished value.
Apple Card
$0 fee
Everyday2%
Best3%
2% when you pay with Apple Pay, 1% with the physical card. 3% at Apple and listed merchants. No foreign transaction fee.
Chase Freedom Unlimited
$0 fee
Everyday1.5%
Best5%
1.5% on other purchases. 3% at restaurants and drugstores. 5% only through Chase Travel.
Capital One Quicksilver
$0 fee
Everyday1.5%
Best5%
Unlimited 1.5%. 5% only on hotels, cars, and activities booked through Capital One Travel. No foreign transaction fee.
Amex Blue Cash Preferred
$95 after year one
Everyday1%
Best6%
6% at U.S. supermarkets on up to $6,000 a year, then 1%. 6% on select streaming. $0 the first year, then $95.
Amex Blue Cash Everyday
$0 fee
Everyday1%
Best3%
3% at U.S. supermarkets, U.S. online retail, and U.S. gas, each up to $6,000 a year, then 1%.
Capital One Savor
$0 fee
Everyday1%
Best5%
Unlimited 3% at grocery stores (not Walmart or Target), dining, entertainment, and popular streaming. 5% only through Capital One Travel.
Chase Freedom Flex
$0 fee
Everyday1%
Best5%
5% on up to $1,500 in this quarter's categories, and only if you activate. Oct–Dec 2026: grocery stores (not Walmart or Target), dining, and American Red Cross.
Discover it Cash Back
$0 fee
Everyday1%
Best5%
5% on up to $1,500 in this quarter's categories, and only if you activate. Oct–Dec 2026: restaurants, entertainment, and utilities. New cardmembers get a first-year match.