H-E-B Visa Signature

If you shop H-E-B regularly, the 5% back is the draw, but the fine print narrows it a lot: it applies to H-E-B and Central Market own-brand products in store and on heb.com plus Favor delivery orders, and it excludes pharmacy prescriptions, fuel, gift cards, and in-store restaurants. Name brands in your cart do not earn the top rate, so treat 5% as a store-brand rebate rather than a grocery rate. What makes the card easier to keep is the 1.5% on everything else, which is a decent flat base for a store card and better than most, alongside no annual fee and no foreign transaction fee. Cash back does not expire for the life of the account, and Visa Signature adds concierge, hotel collection, and travel assistance perks you may never use. The regular APR tops out at 35.99%, so this is a pay-in-full card only.