Best credit card to use at H-E-B.

1. #1
   
   Blue Cash Preferred

   American Express

   6% on groceries (up to $6,000/year, then 1%)

   U.S. supermarkets
   6%
2. #2
   
   H-E-B Visa Signature

   First Electronic Bank

   Co-branded H-E-B card

   H-E-B and Central Market own-brand products in-store and on heb.com, plus Favor delivery orders; excludes pharmacy prescriptions, fuel, gift cards, and in-store restaurants
   5%
3. #3
   
   AAA Daily Advantage Visa Signature

   Comenity Capital Bank

   5% on groceries (up to $10,000/year, then 1%)

   Combined $500/year cash back cap with wholesale clubs and gas/EV-charging stations; 1% thereafter
   5%
4. #4
   
   Chase Freedom Flexthis quarter

   Chase

   5% on groceries this quarter (Q4 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.

   Q4 2026: grocery stores (excluding Walmart and Target), dining, and donations to the American Red Cross
   5%
5. #5
   
   American Express Gold

   American Express

   4x points on groceries (up to $25,000/year, then 1%)
   4.8%4x points
6. #6
   
   Wyndham Rewards Earner Plus

   Barclays

   4x points on groceries
   4.0%4x points
7. #7
   
   Wyndham Rewards Earner Premier

   Barclays

   4x points on groceries

   Excludes Target and Walmart
   4.0%4x points
8. #8
   
   Wells Fargo Choice Privileges Select Mastercard

   Wells Fargo

   5x points on groceries
   3.5%5x points
9. #9
   
   AAA Travel Advantage Visa Signature

   Comenity Capital Bank

   3% on groceries
   3%
10. #10
    
    Air Canada Aeroplan

    Chase

    3x points on groceries

    Purchases posting through December 31, 2026 earn 3x, then 2x
    3.0%3x points
11. #11
    
    Blue Cash Everyday

    American Express

    3% on groceries (up to $6,000/year, then 1%)

    U.S. supermarkets
    3%
12. #12
    
    Capital One Savor Cash Rewards

    Capital One

    3% on groceries
    3%
13. #13
    
    Capital One Savor Student Cash Rewards

    Capital One

    3% on groceries
    3%
14. #14
    
    Capital One SavorOne Cash Rewards

    Capital One

    3% on groceries
    3%
15. #15
    
    Citi Strata

    Citi

    3x points on groceries
    3.0%3x points
16. #16
    
    Citi Strata Premier

    Citi

    3x points on groceries
    3.0%3x points
17. #17
    
    Hilton Honors American Express Surpass

    American Express

    6x points on groceries

    U.S. supermarkets
    3.0%6x points
18. #18
    
    Navy Federal More Rewards American Express

    Navy Federal

    3x points on groceries
    3.0%3x points
19. #19
    
    USAA Cashback Rewards Plus

    USAA

    3% on groceries

    First $3,000/year
    3%
20. #20
    
    Wyndham Rewards Earner

    Barclays

    3x points on groceries

    Excludes Target and Walmart; the 3x tier also covers eligible Wyndham Vacation Club purchases
    3.0%3x points

Last updated October 23, 2026