“Unlock Delicious Savings: The Best Transferable Points Credit Cards for Groceries and Dining”
Now that you have all your spending categories figured out, let's talk about which cards with transferable points to open. If you’re just starting and don’t have many cards opened in the last 24 months, I would focus on Chase cards because of their 5/24 rule. Please see our sign-up restrictions page that explains this in detail.
You can then work on the rest of the credit card companies after you hit your five cards in 24 months. The Pursuit is a marathon, not a sprint. You should open one card every 3-5 months until your top spending categories are covered. Over the course of a year, you will end up opening 3-4 credit cards. *Pro-Tip: As long as you don’t carry a balance on any of the cards, this will not affect your credit score negatively.
If you can use a two-player mode to open cards, you can accomplish your goals in half the time. Essentially, you would open one for yourself and one for your significant other.
Have an issue hitting the minimum spending requirements? Check out our hitting minimum spend page under Pro-Tips.
While we suggest beginning with Chase, not everyone will be in the same place in their Pursuit. Here is a list of our favorite cards that offer transferable points for groceries and dining with Chase, Amex, Citi, Capital One, and Bilt. *Pro-Tip: Most cards with grocery multipliers exclude Sams Club, Costco, Walmart, and Target. These stores would fall under all other categories.
Let’s start with groceries:
Chase has the Freedom Flex, which earns 5 points per $1 spent in rotating categories. Chase changes the category every quarter, but there is almost always one quarter per year dedicated to groceries. Other categories you will see are gas, Amazon, Lowe’s, hardware stores, etc.
American Express has a few good cards for groceries. Our favorite is the American Express Gold which earns 4 points per $1 at supermarkets up to $25k annually. The Amex Everyday Preferred earns 3 points per $1 at supermarkets up to $6k annually. The Amex Everyday earns 2 points per $1 at supermarkets up to $6k annually.
The Citi Premier card earns 3 points per $1 at supermarkets. The Citi Custom Cash earns 5 points per $1 in your highest spend category up to $500 per billing cycle. The Citi Rewards+ and Citi Double cash earn 2 points per $1 at supermarkets.
Capital One has Venture X and Venture, earning 2 points per $1 on all spending.
The BILT card earns 1 point per $1 at supermarkets.
Our favorite card in this category is the American Express Gold card.
Dining typically is one of the higher spending categories for many families. Here are our favorite cards for each company.
Chase Freedom Unlimited earns 3 points per $1 spent. Freedom Flex has rotating categories, including dining at 5 points per $1 spent. Sapphire Preferred earns 3 points per $1 spent. Sapphire Reserve earns 3 points per $1 spent.
American Express Gold Card earns 4 points per $1 spent, and their Green Card earns 3 points per $1 spent.
Citi Premier earns 3 points per $1 spent. The Double Cash earns 2 points per $1 spent. The Citi Custom Cash earns 5 points per $1 in your highest spend category up to $500 per billing cycle.
Capital One Venture One earns 1.25 points per $1 spent. The Venture and Venture X earn 2 points per $1 spent.
The Bilt card earns 3 points per $1 spent on all dining.
Our regular rotation includes the Chase Freedom Flex, American Express Gold Card, Citi Premier, and Venture X.
