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
   
   American Express Gold

   American Express

   4x points on groceries (up to $25,000/year, then 1%)
   4.8%4x points
5. #5
   
   Wyndham Rewards Earner Plus

   Barclays

   4x points on groceries
   4.0%4x points
6. #6
   
   Wyndham Rewards Earner Premier

   Barclays

   4x points on groceries

   Excludes Target and Walmart
   4.0%4x points
7. #7
   
   Wells Fargo Choice Privileges Select Mastercard

   Wells Fargo

   5x points on groceries
   3.5%5x points
8. #8
   
   AAA Travel Advantage Visa Signature

   Comenity Capital Bank

   3% on groceries
   3%
9. #9
   
   Aeroplan

   Chase

   3x points on groceries
   3.0%3x points
10. #10
    
    Bilt Obsidianif you select it

    Bilt

    3x points on groceries if you select it as a bonus category (up to $25,000/year, then 1%)

    Choose dining (default) or groceries as your 3x category annually (cap applies when groceries is selected). Earn up to 6x at participating Bilt Dining restaurants (limited network) when Dining is the selected category.
    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
    
    Venmo Credit Cardif it’s your top category

    Synchrony

    3% on groceries if it's your top eligible spend category that cycle

    Automatically on your highest-spend eligible category each statement period (8 eligible: transportation, travel, groceries, entertainment, dining & nightlife, bills & utilities, health & beauty, gas). Drugstores here represents health & beauty; bills & utilities maps to utilities.
    3%

Last updated July 28, 2026