Similar question - I am only looking for pure cashback, currently have Citi Double Cash Card with 2% cashback for most purchases and AMEX Blue everyday for 3% cashback on groceries and gas. Are there better options?

Amex 6 percent grocery card

I don’t like their annual fee

I’m a huge fan of the 6% card. It has return protection if a store won’t take something back and purchase protection if something breaks. No issue buying final sale anymore

Citi custom cash. 5% back in top category with no annual fee. Max $500 spend per month at 5%. I have one in my name and one in my wife's, and we use them only for groceries. Probably not what citi had in mind 😂

Chase Freedom flex and Discover It both have rotating 5% categories that usually don't overlap, though it requires you to keep in mind to change cards/categories every quarter

The 3% back in drugstores is freedom unlimited, not the flex iirc

It's both(I have both and just checked)

Really? Good to know

Both the Amex 6% card and the Citi custom cash (5%) have a yearly maximum of $6000, just Citi is $500 each month whereas Amex is $6000 throughout the whole year The difference in benefit of the 2 cards is 1%, which for $6000 is $60, which is less than the $95 Amex fee. It seems like it is best to start with the Citi Card and then depending how much more than $6000 a year you spend in groceries to get the Amex card in addition. This obviously has to take into account other expenses, what other rewards you have, and where you shop A few examples: 1. Amex offers also 3% on gas, so depending how much gas you use and if you have another card with good gas rewards, that might be an additional benefit that makes it worth it to take Amex over Citi 2. The Citi card doesn't count Wholesale Clubs as grocery stores (not sure if Amex does) and therefore is only 1%, so if a large amount of your grocery bill is there, then the Citi card won't work 3. Citi has categories other than groceries that give you 5%. Whichever is the highest spend category is 5%, so if you have another category of expenses that is high enough, it could make it worth it to have Amex for groceries and Citi for that other category

This is correct, and the reason I switched. However, for most families, $6k/year is much simpler to deal with than $500/month. Requires two switches/year rather than two switches/month. Also, the Citi card can be treated as cash back, but technically it's points, which can be worth more than $0.01 each. Amex has 3% on gas with the Blue Cash Everyday (no annual fee) If only Citi had tuition as a category...

Do Amazon purchases get 3% back with Amex Blue cash everyday? Is it considered a U.S. online retail?