Uncapped 6% Back Groceries Credit Card (3% On Everything Else)

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The no annual fee USAlliance Financial Visa Signature Card earns 6 points per dollar on grocery store purchases through the end of 2023, and 3 points per dollar on other purchases for the rest of this year.

That’s really strong, though for groceries my favorite card is actually the American Express® Gold Card (see rates and fees). It earns 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X); 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com; 1x on all other qualifying purchases.

I value Membership Rewards points at 1.7 cents apiece making the grocery rebate described here worth 6.8%. However it’s capped. If you spend more than the $25,000 a year cap on qualifying purchases, an alternative can make sense.

For ‘all other spend’ the Blue Business® Plus Credit Card from American Express is still better than 3% back, in my view. It earns 2X Membership Rewards® points on the first $50,000 in purchases per year (1 point per dollar thereafter). At 1.7 cents per point, I view that as a 3.4% rebate. Earning in that category is capped as well.

Still, the USAlliance Financial Visa Signature Card will have a unique home in wallets for some of you. Note thought that you need to redeem regularly – you don’t want to park a lot of points in your account with this card (beyond even the risk that using it only for groceries will lead them to decide they do not want you as a customer). Their points expire three years from the end of the calendar year in which they are earned.

(HT: Miles Earn and Burn)

For rates and fees of the American Express® Gold Card, click here

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.


  1. Grocery stores are a great way to assess the desirability of a place to live. If there is a Whole Foods in the area it’s a green flag.

  2. Website is vague on what one can redeem points for. It appears to be certain merchandise. Points don’t seem that valuable. Please correct me if I’m wrong.

  3. How much does the USA Alliance card reward on groceries beginning in 2024?
    I clicked the link and it didn’t mention anything about the 6% through 2023.

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