H-E-B Visa Signature

If you shop at H-E-B, this is a simple no-annual-fee proposition: 5% back, but only on H-E-B and Central Market own-brand products in-store and on heb.com, plus Favor delivery orders. That gate is the whole story, because national brands sitting in the same cart don't qualify, and pharmacy prescriptions, fuel, gift cards, and in-store restaurants are excluded outright. Everything else earns a flat 1.5%, which is a serviceable backstop but trails a dedicated 2% cash back card. Cash back never expires, there's no foreign transaction fee, and the usual Visa Signature concierge, hotel, and rental car privileges come along for free. With an APR reaching 35.99%, the value holds only if you clear the balance every month.