Poll of the Day > One of my credit cards is giving me 9% back at the grocery store

(+) Yeah! (+)

What the FUCK is this?

1% back everywhere
4% back on the quarterly bonus category which is grocery
4% back on grocery stores for the first year(a bonus I didn't even know that I had).

God damn, Chase really wants to pay me to go to Las Vegas I guess.

I'm pretty sure the 1% everywhere doesn't stack with the other bonuses. I'm actually willing to bet none of them do. I've never seen cash back top 5% on anything.

I would have thought so, too, but the bonuses all stack. The breakdown is listed on my grocery purchases and indeed it says 9% on my rewards account summary

I saw a reddit post from 2020 about this glorious benefit...I am no expert churner, but I don't know why i havent heard of this before.

(the one bonus on quarterly categories expires in march and then a new category pops up, and the grocery benefit is on the first 12K for first year of card membership)

Whenever i do the basic math, categories rarely gives me a bigger benefit than 1.5% back on everything.
Now if there's a card that's 2%+ on everything, i want it. I think paypal or venmo had one for a brief period.
I spend mainly on food, but i also put big expenses on my card like insurance and stuff for the rewards, so whenever a card offers 1% on everything else, the bonus category doesn't benefit me enough.
My visa card gives bonus points like every other month for spending so much or using the card for a specific purpose. I got almost $60 last month due to Christmas and bills.

I know of two 2% back everywhere cards: the Wells fargo active cash, which I also own to use on purchases that only get 1% and don't fall into a defined category, and the Citi double cash(or whatever) that gets you 1% when you buy, and 1% when you pay. I do not own that one.

Thanks for that advice! I will avoid Wells Fargo for sure but Citi sounds interesting.
Is there limits for using your rewards?
I have 5 years to use mine and usually need to spend at least ten dollars to use them, but PayPal allows me to use any amount.