Credit Cards for Groceries

Credit cards suitable for grocery shopping provide attractive rewards, cash back, or discounts on grocery purchases, allowing cardholders to maximize their savings on essential household expenses. These cards typically offer higher rewards rates or cash back percentages specifically for grocery store purchases. Some cards may also include additional benefits such as bonus points or cash back on other related expenses like dining out or purchasing gas. Cardholders can accumulate rewards or cash back on their grocery spending and redeem them for statement credits, deposits into their bank accounts, or other rewards. By using these credit cards for grocery shopping, individuals can earn valuable rewards or cash back while buying everyday essentials, helping to stretch their budget and enhance their overall shopping experience.

The Best Credit Cards

  • Prime Visa: best for Amazon Prime members, 5% cashback on Amazon and Whole Foods + welcome offer
  • Choice Privileges® Select Mastercard® : best for Choice Hotel loyalists and 5x on gas, grocery, and home improvement
  • Custom Cash℠: best for up to 5% cashback on purchases in a top spend category + 0% intro APR
  • Instacart Mastercard®: best for frequent Instacart users, 5% cashback on Instacart and Chase Travel purchases
  • Freedom Flex: best for up to 5% cashback on rotating quarterly bonus categories + 0% intro APR

Prime Visa

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On Chase's Secure Website

Prime Visa
4.9

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership. Earn 2% cashback at restaurants, gas stations, and on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $150 Amazon gift card instantly upon approval.

$150 Amazon Gift Card

Prime Membership Required: You must have an Amazon Prime membership to apply.

Welcome Offer

Get a $150 Amazon gift card instantly upon approval.


Rewards

  • 5% Cashback on Select Categories (with an eligible Prime membership):
    • 5% Cashback at Amazon.com and Amazon Fresh.
    • 5% Cashback at Whole Foods Market.
    • 5% Cashback at Audible.com.
    • 5% Cashback on Chase Travel purchases.
  • 2% Cashback on Select Categories:
    • 2% Cashback at Restaurants.
    • 2% Cashback at Gas Stations.
    • 2% Cashback on Local Transit and Commuting.
  • 1% Cashback on All Other Purchases.

Redemption Options

  • Redeem rewards for cash, gift cards, travel, or purchases at Amazon.com.
  • Points post and can be redeemed as soon as the next day.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.74% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

  • Visa Signature® Experiences: Enjoy Luxury Hotel Collection and Concierge Services.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Roadside Assistance, Travel and Emergency Assistance Services, Travel Accident Insurance, Baggage Delay Insurance, and Lost Luggage Reimbursement.

Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.

Exclusive Offers

  • Prime Exclusive Offers: Earn 10% or more on a rotating selection of items and categories at Amazon with an eligible Prime membership.
  • Chase Offers: Access great deals in the Chase Mobile app and at chase.com with no coupons, codes, or vouchers required.

Additional Features

  • Get it Now, Pay over Time: Enjoy 0% intro APR for 6-12 months on eligible Amazon purchases of $50 or more or at eligible retailers with Amazon Pay. Note: you won’t earn rewards if you choose equal monthly payments at checkout.
  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Zero liability protection, fraud protection, automatic account alerts, 24/7 customer service, contactless checkout, compatibility with digital wallets, free credit score and identity monitoring with Credit Journey®, and chip-enabled for enhanced security.

Terms and Conditions

Click Apply Now to see the terms and conditions.

If you're an Amazon Prime member and frequently shop at Amazon.com or Whole Foods Market, this card offers excellent rewards with 5% back on these purchases. It also provides 2% back at restaurants, gas stations, and on local transit and commuting expenses, and 1% on other purchases. The card includes valuable travel and purchase protections, as well as a generous sign-up bonus upon approval, making it a great choice for frequent Amazon shoppers.

Choice Privileges® Select Mastercard®

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On Wells Fargo's Secure Website

Choice Privileges® Select Mastercard®
4.2

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 29.49% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 10x points on stays at participating Choice Hotels® properties and on Choice Privileges point purchases. Earn 5x points at gas stations, grocery stores, home improvement stores and phone plan services. Earn 1x on all other purchases.

1x - 10x Points

Welcome Offer Earn 60,000 bonus points after spending $3,000 in the first 3 months, which is enough to redeem for up to 7 reward nights at Choice Hotels®.

60,000 Points

  • Welcome Offer: Earn 60,000 bonus points after spending $3,000 in the first 3 months, which is enough to redeem for up to 7 reward nights at Choice Hotels®.
  • 10x Points: On stays at participating Choice Hotels® properties and on Choice Privileges point purchases.
  • 5x Points: At gas stations, grocery stores, home improvement stores and phone plan services.
  • 1x Points: On all other purchases.
  • Anniversary Bonus: Earn 30,000 bonus points every account anniversary, enough for at least one night at any eligible Choice Hotels property.
  • Automatic Platinum Elite Membership: Receive 20 Elite night credits each year, which qualifies you for Choice Platinum Elite status. Enjoy the perks of Elite Platinum Status and earn 25% bonus points every time you book a qualifying stay with Choice® hotels.
  • Annual Fee: $95.
  • Foreign Transaction Fees: None.
  • Redeem Points at Choice Privileges.
  • Global Entry®/TSA PreCheck®: Get up to $100 in Airport Security Statement Credits towards TSA PreCheck® or Global Entry Application fees every four years.
  • Cell Phone Protection: Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Travel Benefits: Include Global Service™, Concierge Service, Mastercard Travel and Lifestyle Services, Mastercard Airport Concierge™, Mastercard Golf, Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Protection, Lost Baggage Reimbursement, and $1,000,000 Worldwide Automatic Common Carrier Travel Accident Insurance.
  • Protection Benefits: Include Mastercard ID Theft Protection.
  • Regular APR: 20.24% - 29.49% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
Wells Fargo Choice Privileges® Mastercard® might be a good choice if you are staying at Choice Hotels frequently and want to earn points on your stays and everyday spending. Great additions are a welcome bonus, Choice Platinum Elite status, TSA PreCheck or Global Entry, and Mastercard Travel benefits.

Custom Cash℠

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On Citi's Secure Website

Custom Cash℠
4.2

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

18.49% - 28.49% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on purchases in your top eligible spend category each billing cycle, up to the first $500 spent each billing cycle. Earn unlimited 1% cashback on all other purchases. Special travel offer: Earn an additional 4% cashback on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

1% - 5% Cashback

Welcome Offer Earn a $200 cashback after spending $1,500 in the first six months of account opening.

$200

  • Welcome Offer: Earn a $200 cash bonus after spending $1,500 in the first six months of account opening.
  • 5% Cashback on Top Eligible Category: Earn 5% cashback on purchases in your top eligible spend category each billing cycle, up to the first $500 spent each billing cycle. The eligible categories are Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
  • 1% Cashback on All Other Purchases.
  • 4% Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
  • Annual Fee: None.
  • Foreign Transaction Fees: 3% of each purchase transaction in U.S. dollars.
  • 0% Intro APR on Purchases: For 15 months from account opening.
  • 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 120 days.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
  • Redeem Points: For cashback (100 ThankYou® Points = $1) as a statement credit, direct deposit, or mailed check. You can also use them for gift cards and travel, or shop with points at Amazon.com and PayPal, and more. Redemption rates may vary. Cash rewards do not expire.
  • Choose Your Payment Due Date: Choose to pay your bill on any available due date in the beginning, middle, or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
  • Authorized Users: Add authorized users at no cost and earn points on purchases they make.
  • Citi Entertainment®: Purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
  • Additional Features: Include automatic account alerts, contactless pay, Digital Wallets, the ID theft protection, zero liability protection, free access to your FICO® Score, 24-hour fraud protection, Citi® Quick Lock, and 24/7 customer service.
  • Click ‘Apply Now’ to see the full terms and conditions.
Citi Custom Cash℠ Card is a decent reward card with good earning potential. Great additions are a welcome bonus and 0% APR intro offers on purchases and balance transfers.

Instacart Mastercard®

Apply now

On Chase's Secure Website

Instacart Mastercard®
4.7

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on Instacart purchases. Earn 5% cashback on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, and on select streaming services. Earn 1% cashback on all other purchases.

1% - 5% Cashback

Welcome Offer Get a $50 Instacart credit automatically upon approval.

$50 Instacart Credit

  • Welcome offer: Get a $50 Instacart credit automatically upon approval.
  • Earn 5% cashback on Instacart purchases.
  • Earn 5% cashback on Chase Travel purchases.
  • Earn 2% cashback at restaurants, gas stations, and on select streaming services.
  • Earn 1% cashback on all other purchases.
  • Redeem rewards: For cash, travel, or Instacart orders.
  • No annual fee.
  • No foreign transaction fees.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends the U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Assistance, Travel and Emergency Assistance Services, and Travel Accident Insurance.
  • World Elite® Concierge: 24/7 concierge service for personal assistance like reserving tables and locating hard-to-find items.
  • Authorized users: Add authorized users at no cost to maximize your earning potential.
  • Additional features: Contactless checkout and digital wallets.
  • Regular APR: 19.49% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Instacart Mastercard® offers unbeatable 5% cashback rewards on Instacart purchases, making it highly beneficial for saving on groceries and household items. It also provides 5% cashback on Chase Travel purchases, competitive travel benefits, purchase protection, and extended warranty coverage. This card is ideal for individuals who frequently use Instacart, travel often, and value added benefits and protections.

DoorDash Rewards Mastercard

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On Chase's Secure Website

DoorDash Rewards Mastercard
4.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 28.24% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 4% cashback on DoorDash and Caviar orders, 3% on dining, 2% on grocery stores, and 1% on all other purchases.

1% - 4% Cashback

Welcome Offer Approved applicants receive a free year of DashPass membership ($96 value), which will auto-renew at the current rate. Cancel anytime.

Free Year of DashPass Membership ($96 value)

Welcome Offer

Approved applicants receive a free year of DashPass membership ($96 value), which will be auto-renewed at the current rate. DashPass members enjoy $0 delivery fees, reduced service fees, and exclusive benefits on every eligible order. Cancel anytime.


Rewards (if applicable)

  • 4% Cashback on DoorDash and Caviar orders.
  • 3% Cashback on Dining.
  • 2% Cashback on Grocery Stores.
  • 1% Cashback on All Other Purchases.

DoorDash Benefits and Offers

  • DashPass Anniversary Bonus: Receive a complimentary DashPass membership every year with $10,000 in annual card spend.
  • Monthly 10% Off: Get 10% off one Convenience, Grocery, Alcohol, Retail or DashMart order every month through December 31, 2024, on DoorDash only. Maximum value of discount is $15 each month.
  • Lyft Credits: Receive a $5 Lyft credit after paying for 3 Lyft rides in a calendar month with your card. Offer valid through September 30, 2025.
  • Priceless®: Immerse yourself in virtual and in-person experiences with Mastercard Priceless Experiences®.

Redemption Options

Redeem rewards for DoorDash and Caviar orders, cash, and gift cards.


Fees and APR

  • Annual Fee: $0.
  • Regular APR: 19.49% - 28.24% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: None.

Travel Benefits

Includes Auto Rental Collision Damage Waiver and Trip Cancellation/Interruption Insurance.


Purchase Protections

  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
  • Cell Phone Protection: Coverage effective when the monthly bill is paid with the eligible card.

Exclusive Offers

  • Exclusive World Elite Mastercard Offers: Exclusive discounts and more.
  • Chase Offers: Access great deals in the Chase Mobile app and at chase.com with no coupons, codes, or vouchers required.

Additional Features

  • Authorized Users: Add authorized users at no cost to maximize your earning potential.
  • Contactless checkout, fraud alerts, automatic account alerts, 24/7 customer service, digital wallets, and World Elite concierge service.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The DoorDash Rewards Mastercard® is an excellent option for frequent DoorDash and Caviar users, offering 4% cashback on these services. It also includes a complimentary year of DashPass membership (valued at $96), which provides $0 delivery fees and reduced service fees on eligible orders. Beyond that, the card delivers competitive cashback on dining and groceries, as well as valuable benefits like purchase protection, extended warranty, and travel insurance. It's an ideal choice for those who regularly order takeout, shop for groceries, and appreciate added financial protections.

Amazon Visa

Apply now

On Chase's Secure Website

Amazon Visa
5.0

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3% cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases. Earn 2% cashback at restaurants, gas stations, on local transit and commuting. Earn 1% cashback on all other purchases.

1% - 3% Cashback

Welcome Offer Earn a $60 Amazon Gift Card instantly upon approval.

$60 Amazon Gift Card

Welcome Offer

Earn a $60 Amazon gift card instantly upon approval.


Rewards

  • 3% Cashback at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases.
  • 2% Cashback at restaurants, gas stations, and on local transit and commuting.
  • 1% Cashback on all other purchases.

  • No annual fee.
  • No foreign transaction fees.
  • Interest-free payments: Choose 3% cashback or 0% intro APR for 6-12 months on purchases $50 or more at Amazon.com or eligible retailers with Amazon Pay.
  • Redeem your points: For cashback, gift cards, travel, or purchases at Amazon.com. Points can be redeemed the next day.
  • Chase offers: Access great deals without needing coupons, codes, or registration. Just add the offer to your card and use it.
  • Authorized users: Add users for free and share your credit line while earning rewards on their purchases.
  • Extended Warranty Protection: Adds one year to the manufacturer’s U.S. warranty on eligible warranties of three years or less.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Baggage Delay Insurance, Lost Luggage Reimbursement, Roadside Dispatch®, Travel Accident Insurance, and Travel and Emergency Assistance Services.
  • Visa Signature® Experiences: Access to Luxury Hotel Collection and Concierge Services.
  • Additional features: Digital Wallet, fraud protection, zero liability protection, 24/7 customer service, automatic accounts alerts, Chase Credit Journey, chip-enabled for enhanced security, and contactless checkout.
  • Regular APR: 19.74% - 28.49% Variable APR.
  • Balance Transfer Fees: $5 or 4% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
If you are an Amazon shopper who buys groceries at Whole Foods Market but doesn't have an Amazon Prime membership, this card could be a great option for you. You can earn 3% cashback at Amazon.com and Whole Foods Market, making it highly rewarding for frequent shoppers. Additionally, the card offers standout travel benefits, an extended warranty, and purchase protection against damage or theft. these features making it a strong choice for those who shop and travel frequently. However, be aware of the potentially high APR on purchases and balance transfers.

Marriott Bonvoy Bountiful

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On Chase's Secure Website

Marriott Bonvoy Bountiful
4.7

Annual fee:
$250

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 18.5x total points at Marriott: Earn 6x points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Additionally, earn up to 10x points for being a Marriott Bonvoy® member, and up to 2.5x points for Gold Elite Status, a benefit of being a Marriott Bonvoy Bountiful™ cardmember. Earn 4x points for every $1 on the first $15,000 in combined purchases each year at grocery stores and dining. Plus, earn 2x points for every $1 spent on all other purchases.

2x - 6x Points

Welcome Offer Earn 85,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

85,000 Points

  • Welcome offer: Earn 85,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.
  • Earn up to 18.5x total points at Marriott: Earn 6x points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®. Additionally, earn up to 10x points from Marriott for being a Marriott Bonvoy® member, and up to 2.5x points from Marriott for Gold Elite Status, a benefit of being a Marriott Bonvoy Bountiful™ cardmember.
  • Earn 4x points: For every $1 on the first $15,000 in combined purchases each year at grocery stores and dining.
  • Earn 2x points: For every $1 spent on all other purchases.
  • Additional Marriott Bonvoy® Stay Points: Earn 1,000 bonus points per eligible stay at hotels participating in Marriott Bonvoy®.
  • Annual fee: $250.
  • No foreign transaction fees.
  • Redeem your rewards: For free nights at Marriott hotels. You can also redeem points for flights, experiences and more. Points will not expire as long as you make purchases on your credit card every 24 months.
  • Free night award every year: Complimentary free night award (valued up to 50,000 points) after spending $15,000 in purchases each calendar year. Certain hotels have resort fees.
  • Elite Status: Receive automatic Gold Elite status and 15 Elite Night Credits every calendar year.
  • Chase Offers: Access great deals in the Chase Mobile app and at chase.com. There are no coupons, codes, or vouchers to remember, and no registration is required. Just choose an offer, add it to your card, and then use it to pay in stores, online, or through mobile apps and wallets.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends the time period of the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
  • DoorDash: Complimentary DashPass membership from DoorDash for one year when you activate it with a Chase Marriott Bonvoy® card by December 31, 2024.
  • Visa Concierge: Get complimentary Visa Signature® Concierge Service 24 hours a day.
  • Hertz car rental: Rent a car through Marriott’s travel partner, Hertz and earn up to 20,000 points along with special savings when using Marriott Bonvoy® credit card.
  • Add an authorized user at no cost.
  • Travel benefits: Include Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Baggage Delay Insurance, Lost Luggage Reimbursement, and Trip Delay Reimbursement.
  • Additional features: Include 24/7 customer service, digital wallet, zero liability protection, fraud protection, emergency cash advance or a card replacement, lost/stolen card reporting, account alerts, Credit Journey, embedded chip-enhanced security, and contactless checkout.
  • Regular APR: 20.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the terms and conditions.
The Marriott Bonvoy Bountiful™ card offers a generous welcome bonus, complimentary Gold Elite status, and enhanced rewards on Marriott, grocery, and dining purchases. Cardholders can earn up to 18.5 total points at Marriott hotels, 4x points on the first $15,000 spent each year at grocery stores and dining, and 2x points on all other purchases. With no foreign transaction fees, extensive travel and purchase protections, and additional perks like a free night award and access to exclusive offers, this card is an excellent option for frequent Marriott travelers looking to maximize their rewards.

Marriott Bonvoy Boundless®

Apply now

On Chase's Secure Website

Marriott Bonvoy Boundless®
4.8

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn up to 17x total points at Marriott: Get 6x points for every $1 spent at over 7,000 Marriott Bonvoy® hotels, up to 10x points for being a Marriott Bonvoy® member, and 1x point for Silver Elite Status, a benefit of being a Marriott Bonvoy Boundless® cardmember. Earn 3x points for every $1 spent on the first $6,000 in combined purchases each year on groceries, gas, and dining. Earn 2x points for every $1 spent on all other purchases.

2x - 6x Points

Welcome Offer Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 in the first 3 months.

3 Free Night Awards

  • Welcome offer: Earn 3 free nights (each night valued up to 50,000 points) after spending $3,000 in the first 3 months from account opening.
  • Earn up to 17x total points at Marriott: Get 6x points for every $1 spent at over 7,000 Marriott Bonvoy® hotels, up to 10x points for being a Marriott Bonvoy® member, and 1x point for Silver Elite Status, a benefit of being a Marriott Bonvoy Boundless® cardmember.
  • 3x points for every $1 on the first $6,000 in combined purchases each year on groceries, gas, and dining.
  • 2x points for every $1 spent on all other purchases.
  • Annual Fee: $95
  • Foreign Transaction Fees: None.
  • Redeem Rewards: For free nights at Marriott hotels. You can also redeem points for flights, experiences, and more. Points will not expire as long as you make purchases on your credit card every 24 months.
  • Annual Free Night Award: Complimentary Free Night Award (valued up to 35,000 points) every year after your account anniversary.
  • Elite Status: Receive automatic Silver Elite Status and 15 Elite Night Credits every calendar year. Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends the manufacturer’s U.S. warranty by an additional year on eligible warranties of three years or less.
  • Travel Benefits: Include Baggage Delay Insurance, Lost Luggage Reimbursement, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver, and Travel and Emergency Assistance Services.
  • Visa Concierge: Get complimentary Visa Signature® Concierge Service 24/7. Find tickets to top sports and entertainment events, make dinner reservations and get help sending the perfect gift.
  • DoorDash: Enjoy complimentary DashPass membership from DoorDash for one year when activated by December 31, 2024.
  • Hertz Car Rental: Rent a car through Marriott’s travel partner, Hertz, and earn up to 20,000 points along with special savings when using your Marriott Bonvoy credit card.
  • Chase Offers: Browse and activate deals on things you love with the Chase Mobile® app or by logging in to chase.com.
  • Add an Authorized User: Expand your earning potential by adding your friends and family as authorized users to your Marriott Bonvoy account.
  • Additional Features: Include digital wallets, fraud protection, 24/7 customer service, emergency cash and card replacement, lost/stolen card reporting, account alerts, Credit Journey, embedded chip for enhanced security, and contactless checkout.
  • Regular APR: 20.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Marriott Bonvoy Boundless® card offers a generous welcome bonus of 3 Free Night Awards, complimentary Silver Elite Status, and enhanced rewards on Marriott stays, groceries, gas, and dining purchases. Additionally, it includes valuable travel benefits, purchase protection, and no foreign transaction fees, making it an excellent option for frequent Marriott travelers.

Freedom Flex

Apply now

On Chase's Secure Website

Freedom Flex
4.5

Annual fee:
$0

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.74% - 28.49% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5% cashback on different categories like gas stations, grocery stores (excluding Target® and Walmart®), and select online merchants on up to $1,500 in total combined purchases each quarter you activate, 5% on travel purchased through Chase Travel, 3% on dining and drugstore purchases, plus 1% on all other purchases.

1% - 5% Cashback

Welcome Offer Earn a $200 bonus after spending $500 in the first 3 months.

$200

Welcome Offer

Earn a $200 bonus after spending $500 in the first 3 months.


  • 5% Cashback on Quarterly Bonus Categories: Earn 5% cashback on purchases in quarterly bonus categories such as gas stations, grocery stores (excluding Target® and Walmart®), car rental agencies, movie theaters, purchases made using PayPal, and select online merchants, up to $1,500 in total combined purchases. You must activate your 5% bonus cash back each quarter by the activation deadline.
  • Earn 5% cashback on travel purchased through Chase Travel.
  • Earn 3% cashback on dining and drugstore purchases.
  • Earn 1% cashback on all other purchases.
  • Lyft: 5% on qualifying Lyft rides through 03/31/2025.
  • Annual Fee: None.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars.
  • 0% Intro APR on Purchases and Balance Transfers: For 15 months from account opening.
  • Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 60 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Regular APR: After the introductory period, a variable APR of 19.74% - 28.49% applies to purchases and balance transfers.
  • Redeem Your Rewards: For cash, travel, gift cards, products, services, and more. Cashback rewards do not expire.
  • DoorDash: Get a complimentary three-months DashPass membership. After that, you’ll be automatically enrolled in DashPass at 50% discount for the next 9 months. Activate by January 31, 2024. Plus, get up to $10 off quarterly on non-restaurant DoorDash orders.
  • Cell phone protection: Receive up to $800 per claim and $1,000 per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when paid with your eligible credit card. Maximum of 2 claims in a 12-month period with a $50 deductible per claim.
  • Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of 3 years or less.
  • Travel benefits: Include Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Trip Cancellation and Interruption Insurance.
  • Additional Features: Include free credit score and identity restoration services with Chase Credit Journey, 24/7 fraud monitoring, and zero liability protection.
  • Click ‘Apply Now’ to see the full terms and conditions.
Chase Freedom Flex℠ offers 5% cashback on rotating quarterly bonus categories like gas stations, grocery stores, and more. It comes with a generous welcome bonus, introductory 0% APR offers on purchases and balance transfers, along with valuable cell phone protection, purchase, and travel benefits. This card is ideal for individuals who frequently spend in varied categories and seek rewards flexibility, as well as for those looking to benefit from strong introductory APR offers and comprehensive purchase and travel protections.

Sapphire Preferred®

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On Chase's Secure Website

Sapphire Preferred®
4.7

Annual fee:
$95

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable APR

Buy Now, Pay Later Break up eligible credit card purchases into equal monthly payments. Two plan options - "after purchase" in the bank account, or "at checkout" with select merchants (e.g., Amazon). Eligibilty requirements vary.

Chase Pay Over Time℠

Credit Score

670-850 (Good/Excellent)

Rewards Earn 5x points on travel through Chase Travel and 2x points on other travel purchases. Earn 3x points on dining, eligible online grocery purchases, and select streaming services. Earn 1x point on all other purchases.

1x - 5x Points

Welcome Offer Earn 60,000 bonus points after spending $4,000 in the first three months. That's worth $750 when redeemed for travel through Chase Travel or $600 for cash.

60,000 Points

Welcome offer

Earn 60,000 bonus points after spending $4,000 in the first three months. That’s worth $750 when redeemed for travel through Chase Travel or $600 for cash.


  • Points on travel: 5x points on travel through Chase Travel, 2x points on other travel purchases.
  • Points on dining and more: 3x points on dining, eligible online grocery purchases (excluding Target, Walmart, and wholesale clubs), and select streaming services.
  • Points on other purchases:: 1x point on all other purchases.
  • Lyft rides: Earn 5x points on qualifying Lyft rides through 03/2025.
  • Peloton purchases: Earn 5x total points on Peloton equipment and accessory purchases over $150 through March 31, 2025.
  • Annual fee: $95.
  • Foreign transaction fees: None.
  • Authorized user fee: None.
  • Annual travel credit: Get up to $50 in statement credits each year for hotel stays through Chase Travel.
  • Anniversary points bonus: Earn bonus points equal to 10% of your total spend in points from the previous year, at a rate of 1 point for each $1 spent.
  • Redeem your rewards: For cash, gift cards, travel, or pay with points. Get 25% more value when redeemed for travel.
  • Points transfer: 1:1 points transfer for Chase’s airline and hotel partners.
  • DoorDash: Complimentary DoorDash Pass membership for one year (a $120 value) when activated by December 31, 2024.
  • Exclusive offers: Early-access tickets, priority seating, and exclusive access to events with Sapphire offers, Chase Dining℠, and more.
  • Purchase protection: Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection: Extends U.S. manufacturer’s warranty by an additional year on eligible warranties of three years or less.
  • Travel benefits: Includes Auto Rental Collision Damage Waiver, Trip Cancellation and Interruption Insurance, Baggage Delay Insurance, Trip Delay Reimbursement, Travel and Emergency Assistance Services, Travel Accident Insurance, Lost Luggage Reimbursement, and Roadside Assistance.
  • Ennismore hotel benefits: VIP access to benefits at Delano, Hyde, Mondrian, Morgans Originals and SLS hotels and resorts. Enjoy complimentary 4th night, room upgrades, late checkouts, priority cabana reservations, a $30 food and beverage credit, and more.
  • Visa Concierge: Get complimentary Visa Signature® Concierge Service 24 hours a day.
  • Additional card features: 24/7 customer service, digital wallets, fraud protection, zero liability protection, chip-enabled for enhanced security, and contactless checkout.
  • Regular APR: 20.74% - 27.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
Chase Sapphire Preferred® is a premium travel rewards credit card that stands out among its peers. With a generous sign-up bonus, flexible redemption options, purchase protection benefits, and valuable travel benefits, it's the go-to choice for frequent travelers and adventurers. Enjoy earning valuable points on travel, dining, and online grocery purchases. Benefit from no foreign transaction fees and access to exclusive travel perks. Maximize your rewards and enjoy added peace of mind with Chase Sapphire Preferred®.