At Pointalize, we believe the right credit card can unlock smarter spending and bigger rewards.
That’s why we provide clear, independent guides and comparisons to help you make informed decisions.
When you apply for a card through links on our site, Pointalize may earn a commission. This compensation does not influence our reviews, rankings, or recommendations. All opinions and analyses are our own. Learn more in our Affiliate Disclosures and Privacy Policy.
At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
Best For
Rewards Rate - Cashback
- 6% cash back at U.S. supermarkets (up to $6k/yr)
- 6% cash back on select U.S. streaming subscriptions
- 3% cash back at U.S. gas stations
- 3% cash back on transit purchases
- Intro offer
- $250 statement credit after $3,000 spend in 6 months
- Annual fee
- $0 intro first year, then $95
- Regular APR
- 19.24% – 29.24% Variable APR
- Recommended credit
- 670–850 (Good to Excellent)
- Travel Perks
- Rental Car Insurance
Highlights
- Very high cash back at U.S. supermarkets and on select U.S. streaming subscriptions (with annual caps).
- Strong earn at U.S. gas stations and on transit purchases.
- Robust Amex purchase and shopping protections.
Who is this card good for?
- Families with large grocery and streaming bills.
- Commuters who spend regularly on gas and transit.
- Users comfortable paying an annual fee in exchange for higher earn.
Pointalize Opinion
Pros
- Market‑leading rates in key household categories.
- Useful commuter categories at 3%‑style levels.
- Amex protections and offers add ongoing value.
Cons
- Grocery earn is capped annually.
- Annual fee only makes sense if you maximize categories.
Pointalize Final Thoughts
Blue Cash Preferred is the grocery and streaming powerhouse. If your budget fits the categories, it can easily outrun its annual fee.