H-E-B Visa Signature

The H-E-B Visa Signature is a strong no-annual-fee pick for regular H-E-B shoppers, earning 5% back on H-E-B and Central Market own-brand products in-store and on heb.com, plus Favor delivery orders. Be clear on the limits of that 5%: it applies only to own-brand items, not your whole grocery bill, and it excludes pharmacy prescriptions, fuel, gift cards, and in-store restaurants. Everything else earns a flat 1.5%, which is decent for a store card but trails the best flat-rate cards on the market. Cash back never expires, and there's no foreign transaction fee, but the regular APR can reach 35.99%, so it's only a good deal if you pay in full. If you fill your cart with H-E-B brand products every week, it earns its spot; otherwise a general cash back card will do more for you.